Legal Ways to Be Debt-Free in 2023

Disclosure: We’re letting you know that this post contains sponsored links which The Smart Wallet receives compensation for, which may impact their order of appearance because talking about money should always be an honest discussion.

It’s totally possible because no matter how small or large your debt is, it can be chipped away with the right mindset, methods, and of course, management of the money you currently have and will make.

The most common are credit card debts, student loans, and hospital bills. Personal loans like cell phone bills, utility bills, auto loans, etc., can also add up and get overwhelming.

Besides the usual save more, put aside X of your paycheck, and other tips you may have heard before, try these unique methods we’ve rounded up below to make more money as well as consolidate your debt.

1. This Company Will Help Pay Off Your Credit Card Debt (Up to $50,000)

@nardly | Unsplash

Debt sucks but make sure it doesn’t get to Squid Game level debt, you know?

So if you have credit card debt of $50,000 or less, then AmONE can help by matching you with a low-interest loan to pay off all your balances.

This will leave you with just ONE bill each month, making it easier to manage as well as benefiting from a lower interest rate. AmOne starts at just 3.99% APR compared to credit cards that can go as high as 36%!

The lower the APR, the less interest over time you have to pay back which means getting out of debt even faster. Plus using AmONE has no credit score impact and repayment periods are flexible.

It only takes 2 minutes to check, and you can get the funds as quickly as 1 business day.

2. Earn Points on Rent with this Unique Credit Card

Rent is typically the largest monthly expense, but now, you can earn points just by paying rent!

Use the Bilt Mastercard,® which lets you earn points on rent wherever Mastercard is accepted. Even if your landlord only accepts checks, you can pay within the Bilt app, and they’ll send a check on your behalf!

  • Earn 1x points on rent payments without a transaction fee* (up to 50K pts/year)
  • Earn 2x points on travel purchases
  • Earn 3x points on dining (Get 3 months free DashPass and $5 off every month DoorDash)
  • Earn 1x points on everything else
  • Earn 6x dining, 4x travel, 2x everything (except on rent) on the 1st of every month

You can then use your points on travel (100+ airlines/hotels), pay upcoming rent, get the nation’s top fitness class, and forge a path to homeownership. All while building a credit history.

Bilt Points are even ranked the most valuable reward points (above AMEX Membership Rewards and Chase Ultimate Rewards) by Bankrate.com!

*When you make at least 5 posted transactions in a statement period using your Bilt Mastercard, you’ll earn points on rent and qualifying net purchases (purchases minus returns/credits) for that statement period
*Bilt’s Rewards and Benefits, along with Rates and Fees

3. This Free Bingo Game Pays Up to $100 Per Win

There’s no need for boring bingo when there’s Blackout Bingo, a fast-paced and competitive bingo game where you can win real money.

2 minutes. That’s all you need per game when you play against real people that match your skill level. Tap the numbers fast and correctly to get bonus points!

“You wanna cash out 1,000 bucks a month it’s very doable, but it’s not just gonna happen magically. Practice for free, get your game tight & then you will see the results you want. This app pays and makes plenty to go around ” – rainking76

Play for free for prizes and when you’re ready, switch over to cash games to win real money. Download Blackout Bingo for free to start playing!

BONUS: When you deposit for the first time, get a $5 bonus cash when you use code: TSW5

Cash games aren’t available in AZ, AR, CT, DE, LA, MT, SC, SD, and TN, but you can still play for prizes!

4. Join the Millions of People Earning Up to $20 Per Survey

Canva

Survey Junkie pays cash to members aged 18+ who participate in fun surveys about their shopping habits, cell phone usage, and more.

Signing up is free, takes only a few minutes, and you’ll earn your first 100 points ($1 value!) just by creating an account, answering some intro questions, and verifying your email address.

Once you hit 500 points (or $5) you can cash out for PayPal cash or e-gift cards!

Survey Junkie won’t get you rich quickly (no survey sites ever do), but it’s an easy way to make some extra cash by doing nothing other than giving your opinions.

5. Switch to Car Insurance as Low as $19/Month to Save Big

Whether your driving levels are back to normal or you’re driving less because of WFH status, you can still save on your auto insurance. People typically spend $800 a year MORE than what they need and that’s a lot of money.

See how much you can save at Smart Financial, a free auto insurance matching service. Answer a few questions related to your car, driving history, and some basic personal information, and they’ll search through the network which includes Progressive, Allstate, 21st Century, Nationwide, and more.

Your monthly rate could be as low as $19/month! It’s easy and free to check to see how you can save on the road!

6. Get Paid Up to $225/Month While Watching Viral Videos and Taking Fun Surveys

Founded in 2000, Inbox Dollars has been paying customers for their opinions for over 22 years and counting! They are one of the most trusted survey sites with fun, multiple ways to earn extra cash that set them apart.

Fast and easy. Love that I can cash out to my PayPal and easily transfer money to my bank account.” – Tefanie P

Take surveys, watch videos, play games, and even read emails for extra cash. Who wouldn’t want to watch viral videos for money and get paid up to $225/month?

Inbox Dollars is a great platform to make a little side money. It’s free to sign up, so give it a try today!

7. Get $35,000 Worth of Debt Paid Regardless of Your Credit

Owe $35,000 or less on credit cards? Find a personal loan using LoansUnder36 to pay off all your balances and consolidate them into one balance to make it easier on yourself.

It takes 2 minutes to find loans regardless of your credit status, with APRs from 5.99% up to 36% max. Their network has over 100 vetted lenders, and you’ll be able to compare side-by-side with no obligation quickly.

There’s no credit score impact by checking and the repayment periods are flexible, ranging from 61 days to 72 months (6 years). Plus, you can get the funds as fast as 24 hours!

8. The Money App That’s Backed by Paypal, Dwayne Johnson, Ashton Kutcher, and More

Celebrities and leading investors can be particular about where they put their money, but Acorns has caught the attention (and their investments) of Blackrock, Paypal, and major names like Dwayne Johnson and more. Not to mention, they already have 4.7 million+ customers!

That’s because Acorns Banking does more than other types of accounts as it automatically saves and invests for you. Every time you purchase on your new metal debit card, your spare change gets invested into an expert-designed, diversified portfolio of stocks and bonds. When you make your first investment, you’ll get a $20 bonus!

You can get started in under 3 minutes with no financial experience or expertise needed. You’ll also get access to retirement, investing for families, rewards, and more, all in one app.

With no hidden fees, Acorns makes it easy to invest in your future with your spare change.

9. Get Paid Up to $89 Playing Match 3 Games

Puzzle game lovers will love Match to Win, a free to play game where you can win cash rewards through 300+ exciting levels spanning across Hawaii, Paris, San Francisco, and more.

It’s simple. When you clear a level, you earn coins, which are redeemable for instant win scratchers, prize wheels, and sweepstakes up to $2,500! And yes, it’s legit – there are already over 135K reviews with a 4.5 average rating!

“I love the fact that you don’t have to purchase anything to win! Also, each level is different, so it doesn’t get monotonous! – Noelle Belmore

Also, join the daily Cash Dash event, where players enter a sweepstakes race by collecting in-game trophies. Be among the first Top 25 players for bonus prizes of $5 to $10! Cash out via PayPal when you reach $7. So download and play for free to start winning cash!

10. Turn Your Amazon Purchase History Into $20+ in No Time

Share information on what you buy on Amazon and get rewarded with the MSR app. Earn even more when you share how you use your smartphone too!

“I’ve made like 30 dollars on this app for only having it for a month. Not bad.. and the tasks are super simple.” – Sincere Asher Phifer

MSR uses simple “video tasks” instead of boring surveys like:

  • Amazon purchases
  • Screen time
  • Battery life settings
  • YouTube viewing history
  • Instagram ad clicks
  • And more!

You’ll earn points and redeem gift cards from 40+ brands, including Amazon, VISA, and more. Or you can earn straight cash via PayPal. Plus, it’s free to join! 

For extra rewards, refer friends to earn 40% of everything they get for passive earning!

11. Getting Gas = Free Cash Back

With the high gas prices lately, it’s smart to get cash back any chance you can get.

Turn on Upside, a free cash back app that partners with over 20,000 gas stations and local businesses which includes Shell, 76, along with Popeye’s, Papa John’s, and much more. You can earn an extra $148 a year (on average)!

Wherever you are, just use the app to see where you can get cash back! You can get up to 25¢ per gallon, up to 30% back on groceries, and up to 45% back at restaurants.

Easily cash out via bank transfer, Paypal, or gift card and there’s no limit to how much you can earn. Download Upside for free to start earning free cash back and new members can use a welcome code: TSW25 to get an additional 25¢ a gallon on their first gas purchase!

Gas offers are not currently available in NJ, WI, or UT.

12. Fetch All Your Receipts (Even Virtual) & Get Free Money Back

Alice Ly / The Smart Wallet

Check your pockets; check your purse. And keep receipts.

Grab all the recent receipts you have, even gas receipts, and scan them into Fetch Rewards to earn points towards free money. Even better? Connect your email inbox and it’ll count your email receipts too from Amazon, Instacart, Shipt, and more!

Basically, shop at any store (grocery, drugstore, warehouse, everywhere and online), snap a pic with the app, and boom, you’ve got points for money. Upload your gas station, restaurants, and drive-thru receipts too.

There’s no minimum spend, no need to manually select items, just scan in any receipt from any store or gas station, and it’ll automatically reward you. Use the free money to pay for your next tank of gas!

Be sure to grab 2,000 welcome points on us when you use promo code REWARD before scanning your first receipt!

13. This Solitaire App Pays Up to $200/Win (Seriously)

Solitaire, in general, is a great time killer, but play Solitaire Cube, which lets you play for and win real cash. The game matches you with players of the same skill level, so all is fair. Practice until you’re ready to participate in the cash tournaments!

“Overall, it’s a great game, not a scam, you just need to practice to be able to go up against some really good players.” -Arayev

“Win or lose, you still get tickets to stock up and redeem for prizes or cash bonuses!” – tkitchen84

So play for fun, and enjoy some cash games, but don’t expect to get rich. Cash out reliably with PayPal to receive your winnings! Download Solitaire Cube for free to start playing.

BONUS: When you deposit for the first time, get a $5 bonus cash when you use code: TSW5

Cash tournaments aren’t available in AZ, AR, CT, DE, LA, ME, MT, SC, SD, TN, IN, but you can still play for prizes!

14. Pay the Mortage Renting Out Extra Space to Neighbors

The housing market is insane right now & if you managed to snag one, here’s how to help pay it off. Turn any unused space (a closet, a portion of the garage, a shed, etc.) into passive income by becoming a Neighbor Host. It’s free to list your space and you’ll earn extra money that can go towards your new mortgage!

Becca P., a middle school teacher, makes an extra $10,000 a year being a host!

  1. List your space for free (describe the space you have available, upload photos, and how much you’d like to earn)
  2. Review renter requests (what they want to store/when) and approve
  3. Schedule a move-in time with your new renter for their belongings

There’s no extra paperwork, and Neighbor automatically deposits money into your account each month, even if the renter doesn’t pay. Plus, there’s $1,000,000 property coverage for you and protection plans for your renters.

15. Got What it Takes? Play Spades to Win Cash

Spades Cash is a new type of Spades game where you play in solo mode and enter 1v1 or multiplayer tournaments to win cash and real prizes. Everyone gets dealt the same game board, but it’s your skills and completion time that’ll determine the winner.

You’ll automatically get matched with other players that are on the same level, so games are fair. Avoid losing points by making accurate bids at the beginning of each game!

Practice makes perfect, so play the practice rounds, and then play the cash tournaments when you’re ready. Cash tournaments aren’t available in AZ, AR, CT, DE, LA, ME, MT, SC, SD, TN, or IN, but you can still win some amazing prizes like smart TVs, kitchen appliances, jewelry, and more!

16. Get $10 to Invest in the Legal Cannabis Industry. No Experience Necessary.

6 million customers already use Stash, an investment app that lets you start investing with as little as $5, and you can choose where to put your money, and they’ll provide guidance and tools to help. You can invest in some of the major companies you regularly use to make a custom Personal Portfolio.

You can even invest in the legal cannabis industry, which is big business, as retail sales are projected to hit $70 BILLION by the end of 2028.* Plus, with Stash Growth and Stash+, you can also choose the Smart Portfolio option, which offers hands-off stress-free investing based on your risk tolerance.

It takes less than 2 minutes to start, and they’ll even give you $10 to start investing when you sign up and deposit $5 or more into your Personal Portfolio.

Paid non-client endorsement. See Apple App Store and Google Play reviews. View important disclosures.

17. Play Dominoes and Win Up to $60 Per Win

How about a game of dominoes? (aka “bones”) Especially when you can win up to $60 per winning game in  Dominoes Gold, a 4.7/5 stars game with over 25K+ ratings!

“I can personally confirm this game does pay out, and you can make a profit from as long as you have Skillz… 😉 – iphoneguy110

“Awesome game, won money within the first 20 minutes,” – jaggroff

Play for fun to win cash, or add cash to increase your winnings from the tournaments.

Try out Dominoes Gold for free and start winning that cash! Cash tourneys are unavailable in AZ, AR, IN, IA, LA, ME, MD, SC, MT & SD, but you can still play free!

18. Make $100 Your First Visit to This Site

One of the newest and easiest ways to make money on your phone is 100% free with KashKick. You just need to sign up with your name, email address, and password!

Get fun cash rewards just by playing games (which you’re already doing), answering surveys based on your user profile, trying out financial tools, and many more ways.

Check out KashKickand start making money in your PJs, in line, or wherever!

19. Easily Save $720/Year if You Take 30 Seconds to Check This

Major expenses like housing, food, and transportation take up a huge chunk of our budgets. In this case, you could be losing more money than you should on car insurance since most people forget to do this quick check.

You’ll know in 30 seconds if you’re overpaying since, on average, people spend $720/year more than they should. It’s easy:

  1. Head over to The Smart Wallet’s auto insurance portal and connect your current insurance (no long form to fill out!)
  2. We’ll instantly check for a better deal
  3. See your savings!

Once we find you a better deal and you choose to switch, we’ll help you cancel your old policy, enroll you in the better one, and get a full refund on the unused portion of your prior payments. It’s the simplest and easiest way to get a refund on your overpriced car insurance policy!

20. The Best Financial App That’ll Save You $720/Year

Knowing your net worth isn’t just for rich people. It’s a financial report card that can tell you if you’re on the right track or if you need a wake-up call. To calculate it, you need the value of all your assets (things you own) minus your liabilities (things you owe). But wouldn’t it be nice if there were a tool that tracked your net worth over time for you?

Enter Rocket Money, the free money management app that’s like your personal finance assistant. It groups all your banking accounts together so you can see your earnings and spending in one spot. Plus, it helps you budget even if you don’t know how to.

  • The app will find all your recurring bills and subscriptions (even those you forgot about)
  • Rocket Money can help lower your bills by 20% (they negotiate for you)
  • The app also helps you start budgeting and set up auto-savings too
  • Their newest feature easily tracks your net worth

See what your savings could be with Rocket Money and start tracking your net worth too!

21. This Paid Survey Panel Gives Out 7,000 Gift Cards Daily

There are a lot of survey programs out there, but none as popular as Swagbucks, a free rewards program where you can earn cash for your time and opinion. Members can earn an average of $50 a month!

Get rewarded for doing surveys, online shopping, uploading receipts, and playing fun games, but the one activity that earns you the most points is completing surveys. Redeem points for free gift cards and cash. There are hundreds of different offers to explore and complete!

New members can get a free $5 just for signing up, so join the other 10 million members already part of Swagbucks and start earning free rewards!

22. Get Up to $55 Per Win Popping Bubbles

Seriously the best arcade game to win real money. Check out Bubble Cash, where each game only takes 3 minutes to pop as many bubbles as possible against real players for actual cash.

Currently, it’s #7 in the App Store with a 4.6/5 star rating with over 72K+ reviews!

“Finally, a game that isn’t a scam! I won $71 yesterday on Sunday, and today on Monday, it was already in my Paypal” – Mzmari

Play for free, and then switch to cash games to increase your winnings whenever you want. Just note that cash tournaments aren’t available in AZ, AR, DE, IA, LA, MD & SC, but you can still play for free!

23. Limited Spots: Earn $1,500 Cash for Holidays

You can get $1,500 direct deposited into your bank account, and all you have to do is try out some deals. The catch? You can only do it THIS MONTH. Originally $750, rewards have been DOUBLED for the holiday season, so you’ll get $1,500.

Seriously, anyone 18+ can participate in Flash Rewards, but you must follow the instructions carefully.

Flash Rewards work by showing you “deals” they think you would like. This includes mobile apps and games, subscriptions, financial services, etc. Each type of deal you choose has its own mini task to complete.

  1. Head over to Flash Rewards and fill out basic info (Email, Name, etc.)
  2. Take a quick Survey (it helps figure out the optional offers & required deals to recommend)
  3. Complete deals by shopping Flash Rewards’ great brand name partners.
  4. Important: Follow the instructions on completing the specific number of deals for each level and get to Level 5 to get the maximum reward! (there are plenty of deals to try – some are free trials or app downloads, others require a purchase!)
  5. Claim the reward and get it in about a week!

You won’t get your reward if you don’t complete the required amount of deals. Sure, it takes a little more effort, but it’s legit. Get your $1,500 since there are limited spots left!

24. Play Solitaire and Earn Up to $83 Per Win

Two minutes is all you need to win up to $83 per win when you play Solitaire Cash, a fun Solitaire game that’s ranked #3 in Cards in the App Store and has an average of 4.6/5 stars with 130K+ ratings!

Win cash for free or deposit cash to multiply your winnings from cash tournaments. Regular players are already winning thousands of dollars!

Solitaire Cash is free to download and play, so if you like playing quick games for chances to get up to $83 per win, check it out. Cash tourneys are unavailable in AZ, AR, IN, IA, LA, ME, MD, SC, MT & SD, but you can still play for free!

25. Play Fun Word Puzzles & Get Paid Up to $85

Stimulate your brain in a different way by playing word puzzles on Words to Win, a free-to-play game where you can win cash rewards through beautiful levels modeled after vacation spots like Australia, Mexico, Hawaii, and more.

It’s simple. Create words out of the letters given and complete the crossword puzzle board. You’ll then earn coins to redeem for instant win scratchers, prize wheels, and sweepstakes up to $500!

There’s no stressful countdown timer per game and you can cash out via PayPal when you reach $7. Tracy T. said: “Best game ever! This is my daily relaxing game and it really pays and cashes out.”

Download now and play for free to start winning cash!

26. Never Pay Overdraft Fees Again - Banking That Has Your Back

On average, people pay $250/year just on overdraft fees!

Instead of charging you for silly fees, Chime®️, has your back. It’s an award-winning mobile financial app and debit card that lets you overdraft up to $200 with no fees1 via their SpotMe®️ benefit. This means that $8 you were short on at the grocery store gets spotted, and your account won’t overdraft, saving you money. Plus, you get a sleek-looking debit card!

Combined with no monthly fees, the ability to get paid up to 2 days earlier,2 and auto-savings starting at 2.00% APY3 (which is 11x4 the national average!) makes Chime a stellar online financial option that doesn’t focus on profiting off of you like traditional banks.

Since Chime is free to use, give it a shot and see how you like it.

27. Affordable Car Insurance Exists - Save Up To $610

You’re probably overpaying on your current auto insurance without even realizing it.

  1. Just check on EverQuote to start comparing
  2. They’ll check from plenty of agencies to find you the best deal
  3. Pick your savings!

It literally takes less than 4 minutes to fill out the form to start saving big. EverQuote can save drivers up to $610 a year on average* compared to their current insurance premiums.

It’s super simple so try it out to see how much you could be saving on the road!

28. Get Paid to Lose Weight This Year

Get extra motivated because there’s a health and wellness company that will pay you to lose weight. Seriously!

It’s called HealthyWage.

They have a ton of testimonials/pictures on their site and legit places reviewing them from CNN, The New York Times, Wall Street Journal, etc.

So if you need some money motivation to lose weight, here’s how it works:

1. Start with the HealthyWage calculator (Read More)
2. Decide on a weight goal & amount of time to achieve it
3. Bet on yourself ranging from $20-$150 a month
4. Achieve your goal, and you could win up to $10,000 depending on your HealthyWager!
5. If you don’t achieve your goal, the money goes to support HealthyWage, including prizes for others who achieve their goals

29. Answer Questions Honestly & Get Paid Up to $5 Each Time!

“I cash out $10 almost daily! If you need a couple of extra bucks, this one is worth the time and effort.”

You can be like Sue C. and cash out regularly by sharing your opinions and earning up to $5 per survey. It’s super easy, quick and free with QuickThoughts.

Just answer questions honestly, and you’ll get paid with your choice of free iTunes or Amazon gift cards! There are several ways to participate:

  • Short surveys that start at $2 per completion
  • Longer surveys that take a bit more time but pay up to $5
  • Local photo activities where you can choose to partake in location-based opportunities by taking photos to provide feedback (also earn up to $5)

Since it’s free and quick, why not give it a shot to earn gift cards?

30. How to Manage Your Debt And Actually Save Money

Is your debt growing instead of shrinking? If so, then you don’t have clear payoff goals.

The financial platform, Goalry, makes managing your debt along with other personal finance matters, like saving money, extremely easy. Depending on your goals, you’ll be directed to different areas on the platform to set up a fun but productive plan.

You can set debt payoff goals, keep track of your progress, and have a clear picture of the end of the tunnel instead of being in the dark. Goalry will even prioritize which debt you should pay off first.

At the same time, set up saving goals, so you can manage your debt and save for a rainy day too. Sign up now for a free 30-day trial to see how easy it is to pay down your debt!

31. How to Treat Yourself Despite Inflation Costs

Prices are rising everywhere, but it doesn’t mean you still can’t have nice things. Use Opinion Outpost, a free, online market research program that pays you up to $5 per survey.

It’s easy:

  1. Take short surveys on topics that interest you.
  2. Earn PayPal cash or gift cards for brands like Amazon, Texaco, Southwest, Target, Grubhub & more!

On average, Opinion Outpost pays its members $390K a month for their opinions. Why not make extra cash in your spare time?

And yes, they’re legit. They’ve been around since 2009 and are members of the ESOMAR & the Marketing Research Association, so your info will stay safe and confidential.

Join over 2M+ happy earners sharing their thoughts for awesome rewards. It’s free!

32. Win Up to $10,000 Every Week Just by SAVING Money

Yotta

It’s proven that people are motivated to save more when there are prizes involved and Yotta offers that. It’s a prize-linked savings account where every $25 you save will earn you a recurring entry into great prizes every week including cash or a Tesla car!

It’s simple, if you deposit $100 today, you’ll have 4 tickets every week as long as you don’t make a withdrawal! Earn more tickets when you save more.

Every week 7 numbers are drawn, and on average, over 40% of Yotta members win a prize weekly. You literally cannot lose (your money is FDIC-insured) and it’s like playing a fun savings game each time!