Hi! I’m Kate, the face behind KateFi.com—a blog all about making life easier and more affordable.

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What Finally Helped Me Pay Off My Credit Card Debt (Hint: Not a Budget)

For years, I tried to budget my way out of debt.

Cutting out coffee. No vacations. Canceling subscriptions. All it did was make life miserable — and the debt barely moved.

What actually changed things? Asking for help — and getting smart with the tools I was ignoring.

💳 CuraDebt – Ask This Company to Pay Off Your Credit Card Debt

Credit card debt was suffocating. I’d make payments, but interest kept stacking. It felt endless.

Then I found CuraDebt. They help you combine your balances into one lower monthly payment — and potentially cut down interest.

You don’t need good credit. You don’t need to pay anything upfront. You just need to take the free debt relief assessment to see your options.

Start Your Free Debt Assessment Now →

💬 SocialPaid – Get Paid to Chat Online ($25–$50/hr)

Once I reduced my payments, I needed new income — fast. SocialPaid helps you land remote social media jobs where you chat with customers, no experience needed.

You take a quick 1-minute quiz, and they match you with the best-paying beginner-friendly gigs.

Take the Quiz to See What Jobs Fit You →

🎁 YouSweeps – Enter to Win a $1000 Prepaid Chase Card

Before you say “sweepstakes are a scam” — this one is free, takes 15 seconds, and has real winners every round. No credit card needed, just a valid email.

Enter to Win the $1000 Prepaid Card →

🕹️ Freecash – Get Paid to Try Games, Apps & Surveys

I used Freecash to make a quick $20 testing games on my phone. It’s easy to use, and there’s a $5 signup bonus when you join through my link.

Try Freecash Now →

📈 Acorns – I Got Free Tesla Stock Just for Signing Up

Once I got my debt under control, I wanted to finally grow something. Acorns helped me start investing spare change — and they gave me $5 in Tesla stock for opening my account.

Get Your Tesla Stock Bonus Here →

You Don’t Have to Do This Alone

Debt isn’t just numbers. It’s emotional. It steals sleep, joy, peace. But you can take control — and you don’t have to rely on budgeting alone.

Start with CuraDebt’s free assessment. Then stack extra cash with the other tools I used.

Some of the links above are affiliate links, which means I may earn a small commission if you sign up. No extra cost to you — and it helps support my work 🙏