Top 5 Ways to Pay Off Credit Card Debt Faster

On today's Ask Debbie, we talk about paying off debt faster.

Here's a question we get often:

"It really seems like paying off debt will take forever. How do I make the process faster?"

We know it feels like a long road ahead and that it's hard to see the light at the end of the tunnel. Besides rewarding yourself for wins along the way to stay motivated, here are our preferred ways of actually reducing the time you spend paying off debt.

Top 5 Ways to Pay Off Debt Faster

1. Create a debt payment plan.

Choose whether you want to take the snowball (lowest balances) or avalanche (highest interest cards) method to pay off debt. The first may keep you more motivated, while the second will save you more in interest

2. Pay more frequently.

If you pay every time your paycheck comes in, you can make quicker steps towards your goal


3. Get a side hustle.

See our list of side hustles here

4. Do a balance transfer or debt consolidation

It will reduce your interest burden and thus your time to pay off. See How to Pay Less Interest below for more details.

5. Reduce your spending.

See our list of spending reduction methods here.

6. Sign up for the Debbie app

The Debbie app rewards you for meeting your monthly debt payoff and savings goals, along with giving you money psychology tools. You can use that cash to pay off your debt faster! Sign up here.

To ask your own question and see it here, email us at or join our FB community.

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