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Hi! I’m Kate, the face behind KateFi.com—a blog all about making life easier and more affordable.
How I Paid Off My Credit Card Debt Without Cutting Out Starbucks
Every “get out of debt” blog told me to stop buying coffee. But let’s be real — Starbucks wasn’t the reason I was in debt.
The real issue? Sky-high interest. Credit cards were bleeding me dry even though I made consistent payments. So I stopped trying to budget my way out and found help instead.
💳 The Game-Changer: CuraDebt
CuraDebt gave me a free debt consultation and helped me consolidate everything into one lower monthly payment — no judgment, no pressure, and no impact to my credit for getting a quote.
Before CuraDebt, I was paying over $600/month across 4 cards. Now? One simple payment — and yes, I still get my iced brown sugar shaken espresso. ☕
See If You Qualify for a Lower Payment →
💬 Bonus Income Hack: SocialPaid
Once I got my payments under control, I looked for extra income. SocialPaid matched me with remote jobs where I literally got paid to chat online. No sales. No Zoom calls. Just replying to messages.
- 💸 $25–$50/hr
- 📱 Works on phone or laptop
- 📝 No resume or experience required
Take the Quiz to Find a Chat Job →
🎁 Why Not Try Your Luck? YouSweeps
I entered this giveaway during a late-night scroll. It’s free, takes 15 seconds, and you could win a $1000 prepaid Chase card.
Enter the $1000 Giveaway Now →
🕹️ Scroll + Earn = Freecash
I used Freecash to earn $25 just downloading apps and trying surveys while binging Netflix. It’s free to join and pays fast via PayPal, crypto, or gift cards.
Sign Up and Grab a Free Bonus →
📈 My Passive Move: Acorns
Even with debt, I wanted to build something. Acorns helped me invest my spare change — and gave me free Tesla stock just for signing up.
| ✅ Auto Investing | ✅ Free Tesla Stock | ✅ $5 to Start |
|---|---|---|
| Spare change investing | Bonus for new users | No ongoing fees |
You Don’t Have to Cut Coffee to Pay Off Debt
Debt isn’t about giving up what you love. It’s about finding smarter ways to manage it — and building income from things that work with your lifestyle, not against it.
This post contains affiliate links. If you sign up through them, I might earn a small commission (which I’ll probably spend on oat milk lattes). Thanks, love 💕
