When credit was first introduced, it became the gateway to the American dream. Now, credit cards have become the enemy. They entice you with rewards and low-interest rates, then reserve the right to change their minds. It’s no wonder 80% of Americans have debt. Luckily, there are some great ways to get that pesky debt paid off. Some of them you may have never thought of.

Be Smart About Payments

It can be easy to get into the rut of minimum payments. Maybe you’re living paycheck-to-paycheck and can’t afford to pay more. Still, adding even a few dollars to your monthly payment can lower your debt faster. That extra cash will go toward your principal balance, rather than interest. If you’re looking for ways to get that extra money, you’ll like this next tip.

Take Advantage Of Technolgy

Collecting change is a great way to save money over time. In the age of debit cards, the Acorns app is the way to do it. Simply link the app to your bank account. It will round up each purchase to the whole dollar amount and deposit the change into the app. Use this money to pay off your debts. You may need a quicker fix, though. Stay tuned for a trade secret that will give you just that.

Be Stealthy

Interest rates are what make paying off debt so difficult. If this is slowing you down, consider getting a balance transfer card. If you can find one with a promotional period of no interest, transfer your high-interest debts onto it. This way, your money will go toward the actual amount you owe. Later, we’ll let you in on another way to make credit cards do your bidding.

Get A Side Hustle

One of the best ways to pay off debt is to increase your income. If you start a side hustle, you can get rid of those credit cards fast. From a few hundred to a few thousand dollars per month, your hard work will earn you plenty of cash. Although, there is a technique that will get credit card companies to work for you.

Try To Haggle

In the end, lending companies want their money back. If you’re really behind on payments or owe a large amount, you can often negotiate with them. Some will even reduce your debt by thousands if you pay in a lump sum. Don’t be fooled, though. This is still a lot of work, and it may not go the way you want it to.