If you have credit cards . . . with or without balances . . . Get them out and research each card issuer and determine if there are any specials for new accounts -- the ones that offer reduced rates.
If you succeed than this is what I want you to do. Do not reduce your payments on an outstanding balance. Because the interest rate get hold of more moneys lower your minimum payment is reduced but ignore it. Always pay more than the minimum to reduce the balance.
GET HOLD OF MORE MONEY
Need more money? Here's a list of short term solutions. Sometimes referred to as ''side hustles.''
Sell stuff. Everyone has a lot of stuff just lying around the house collecting dust. Your stuff could be somebody else's treasure.
Sell at a flea market. Sometimes called swap meets you can find any number of flea markets by searching online.
Have a yard sale. No matter what you call them yard, tag, or garage sale once the stuff leaves the house it it never comes back. back.
Make stuff'. Are you a creative person? Like to work with your hands knitting, crocheting ,woodworking? I know one woman who does quite well by taking photographs and turning them into greeting cards and selling them on her own website. Search the web and you'll find many more groups willing to sell your stuff.
Get a part-time job. Part-time jobs have been known to lead to full-time jobs or a changes in careers.
Make it stand out
Is Debt Stealing Your Money?
To get hold of your money, you will have to understand what it is, how it works, how other people affect your money decisions, and how to stay in control when it seems the entire world is falling apart. Within the pages ofMONEY: Get It. Save It. Grow It., you are going to learn the real basics of money management. Basics that are rarely taught today—basics every adult needs to succeed financially.