Last reviewed: 24 September 2026
Find recurring savings
Subscriptions, bills and flexible spending may contain opportunities, but do not cut essentials or important insurance merely to accelerate an unsecured debt.
Add realistic extra income
One-off selling can create a lump sum; repeatable work can create monthly breathing room. Account for costs and tax.
Test the impact before committing
Use the Debt-Free Date tool to see what an extra amount changes, then decide whether the payment is sustainable.