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Hi! I’m Kate, the face behind KateFi.com—a blog all about making life easier and more affordable.
The Broke Girl’s Blueprint: How I Got Out of Debt & Built a Passive Income in My Pajamas
If you told me a year ago I’d be making passive income while watching Netflix in my pajamas, I would’ve laughed (while overdrafting my account). But here we are — and yes, I still wear pajamas more than I should.
This is the exact blueprint I followed to stop drowning in credit card debt and build income streams that pay me while I sleep. And no, you don’t need a degree, a following, or a pile of savings to do it.
💳 Step 1: Stop the Bleeding with CuraDebt
The first thing I did was deal with my credit card debt. I wasn’t making any progress just paying the minimums. CuraDebt helped me roll everything into one simple payment — and they even negotiated the total down.
- No upfront cost
- Free debt relief consultation
- Helped me cut my monthly payments in half
👉 Get your free debt relief consultation here
📱 Step 2: Start Posting for Cash with SocialPaid
Once I had room to breathe financially, I signed up for SocialPaid. They connect you with businesses that pay for simple tasks like Pinterest pinning, Facebook posts, and replying to DMs.
- Most gigs are $25–$50/hour
- No experience needed
- I made over $300 my first week
💬 Step 3: Stack Silent Income with ChatJobs
I added ChatJobs to the mix for extra income. It’s all text-based customer support — no phone calls, no awkward convos.
- Earn $25–$35/hr just responding to messages
- Great for night owls or introverts
- Works well as a second stream of income
🎮 Step 4: Use Freecash to Boost Your Earnings
Freecash helped me fill in the gaps. I’d make an extra $10–$30 a day by testing apps, playing games, and doing small offers. It’s actually kinda fun.
- Fast PayPal or crypto payouts
- Free to join
- No stress, no commitment
🍏 Step 5: Let Acorns Build Wealth in the Background
Finally, I set up Acorns. It rounds up my purchases and invests the change automatically. I started with $5, got a bonus stock, and now I’m building a legit portfolio without lifting a finger.
- Set-it-and-forget-it investing
- Free Apple stock bonus for new users
- Literally zero effort required
💡 Final Thoughts
Getting out of debt and building income didn’t happen overnight, but it also wasn’t complicated. These five steps changed everything for me — and they all started from my laptop in bed.
If you feel stuck, broke, or totally overwhelmed, just start with step one. You’ll be surprised how quickly things can change.
