We’re not talking about the kind with shoyu bone broth, hand-pulled noodles and braised bites. We’re talking about the kind of ramen you eat when due dates loom over you.
Here’s how you can get out of debt fast so can enjoy more of the restaurant-grade ramen than the kitchen cabinet kind.
1. Get Someone to Negotiate Your Debts
So, what if you could just… get rid of credit card debt that’s weighing you down?
A company called Freedom Debt Relief could help you do just that. Its negotiators could work directly with your credit card companies to reduce your overall credit card debt.
It’s free to talk with a Freedom Debt Relief debt consultant to determine the best strategy for your situation.
You’ll need to show why you’re struggling to make your payments and tell them a little bit about your finances.
2. Stop Paying Bills Late for Good
Even people earning six figures can spend too much, overdraft, and rack up late fees.
All of these things can make it harder to get a house, but we found an app that can help you avoid them all for good.
With an app called EarnIn, you can get early access to your paycheck. You don’t pay interest, and there aren’t any mandatory fees — you can access up to $750 per pay period*.
Over $15 billion in earned wages have been accessed through EarnIn, helping countless hard-working people bridge the gap between pay periods without resorting to debt.
3. Refinance Your Auto Loan
Just because you can afford to pay your original loan doesn’t mean you should keep overpaying. Most people already qualify for significant savings in just three to six months.
A company called ReFiJet can help you update your car loan to reflect the new you, the one with a higher credit score.
ReFiJet saves people an average of $150 a month when they refinance their auto loan through them.
4. Get Rid of Collections ASAP
If you’ve been getting phone calls and mail from debt collectors, look into Collection Shield 360, a free service that helps people clean up their credit reports and deal with collection agencies.
It will contact your debt collectors on your behalf and negotiate to get marks on your credit report removed, plus other steps to improve your credit.
*EarnIn is a financial technology company, not a bank. Subject to your available earnings, Daily Max and Pay Period Max.Restrictions and/or third-party fees may apply, see EarnIn.com/TOS for details.
**EarnIn does not charge hidden fees for use of its services. EarnIn does not charge interest on Cash Outs. Restrictions and/or third-party fees may apply, see EarnIn.com/TOS for details.