9 Unexpected ways Busy Moms have Paid off their Debt

This article contain unexpected ways busy moms have paid off their debt. For many busy moms, juggling the demands of parenthood, work, and household responsibilities can make tackling debt feel like an uphill battle.

9 Unexpected Ways Busy Moms Have Paid Off Their Debt
9 Unexpected Ways Busy Moms Have Paid Off Their Debt

However, some resourceful mothers have found creative and unexpected ways to conquer their financial burdens while still prioritizing their families. In this article, we’ll explore nine innovative strategies busy moms employ to pay off thousands of dollars in debt.

Key Takeaways

  • Side hustles, balance transfer cards, and streamlining finances are popular tactics for debt payoff.
  • Using cash, the debt snowball method, and social media accountability can provide discipline and motivation.
  • Negotiating better rates, increasing income through remote work, and seeking help from loved ones are also effective approaches.
  • A combination of determination, smart habits, and a supportive network can set busy moms up for debt-free success.

9 Unexpected Ways Busy Moms Have Paid Off Their Debt

Busy moms often find creative ways to tackle debt while managing their family responsibilities. Here are 9 unexpected methods they might use:

Take on a Family-Friendly Side Hustle

Supplementing your income with a flexible side gig can provide the extra funds needed to accelerate debt repayment. Chris Roy, a mom who once carried $30,000 in credit card debt, took on family-friendly side hustles like evening and weekend daycare, yardwork, and gardening, allowing her to earn additional income while still involving her children.

Not only did these side hustles generate much-needed cash flow, but they also taught Roy’s kids valuable lessons about hard work and financial responsibility. By making debt payoff a family endeavor, she reinforced the importance of sound money management from an early age.

Use a 0% Balance Transfer Credit Card

High-interest rates on credit card balances can make it feel like you’re trapped in a never-ending cycle of debt. However, savvy moms like Darcy Zalewski have leveraged 0% APR balance transfer credit cards to their advantage.

These cards allow you to transfer existing balances from high-interest cards to a new card with an introductory 0% APR period, often lasting 12-18 months. During this interest-free window, every payment goes directly toward reducing the principal balance, accelerating your debt payoff journey.

Zalewski used this strategy to tackle $20,000 in debt, saving significant money on interest charges and making her payments more impactful.

Streamline Bank Accounts and Automate Payments

Simplifying your financial life can not only reduce stress but also help you stay on top of your debt repayment goals. Zalewski streamlined her banking setup to just one checking and one savings account, then set up automatic scheduled payments for her credit cards.

By consolidating her accounts, she gained better visibility into her cash flow and spending patterns, making it easier to manage her money effectively. Automating her payments also ensured she never missed a due date, avoiding costly late fees that could derail her progress.

Adopt a Cash-Only Spending System

For many busy moms, the temptation to overspend can be a significant barrier to debt payoff. Zalewski combated this issue by adopting a cash-only spending system, avoiding the use of credit cards altogether.

Using cash for daily transactions forces you to stay within your budgeted limits and can curb impulse purchases. Zalewski also reframed budgeting as a lifestyle choice rather than a temporary sacrifice, saying phrases like “That’s not in my budget” instead of “I’m broke.”

This mindset shift helped her stay motivated and consistent with her cash-only approach, ultimately leading to successful debt elimination.

Try the Debt Snowball Method

The debt snowball method, popularized by financial guru Dave Ramsey, involves paying off your smallest debts first while making minimum payments on larger balances. As each small debt is eliminated, you “snowball” the freed-up funds toward the next largest balance, building momentum and celebrating small wins along the way.

Both Chris Roy and Dyana King employed this strategy to tackle their respective $40,000 and $34,907 debt burdens. The psychological boost of quickly knocking out smaller balances provided the motivation they needed to persevere through the more challenging later stages of their debt-free journeys.

King emphasizes the importance of patience and consistency when using the debt snowball method, recognizing that escaping debt is a marathon, not a sprint.

Use Social Media for Support and Accountability

Staying motivated and accountable can be difficult when working toward a long-term goal like debt payoff. That’s why Dyana King turned to the power of social media, sharing her journey online and connecting with others in similar situations.

By building an engaged following on platforms like Instagram and Facebook, King not only received invaluable support and encouragement from her community but also inspired countless other moms facing financial challenges. Her platform, Money. Boss. Mama, has become a go-to resource for single mothers seeking to take control of their financial futures.

Shop Around for Better Rates

Reducing your monthly expenses can free up valuable cash flow to put toward debt repayment. Zalewski took this approach by carefully reviewing her recurring bills and shopping around for better rates on services like insurance and cell phone plans.

By negotiating with providers or switching to more affordable alternatives, she was able to trim her monthly outgoings significantly. These savings didn’t just help accelerate her debt payoff; they also gave her greater financial flexibility and peace of mind for the future.

Increase Income Through a Work-From-Home Job

For some busy moms, the key to debt freedom lies in increasing their income rather than solely cutting expenses. Gloria Mondragon found success in this area by building a portfolio of remote work opportunities, including writing, teaching English as a second language, and affiliate marketing.

These flexible, work-from-home roles allowed Mondragon to generate additional income while still being present for her daughters’ milestones and daily lives. By carefully balancing her professional and personal responsibilities, she achieved her goal of earning a sustainable income without sacrificing precious family time.

Ask Family and Friends for Help

Tackling debt as a busy mom can be an overwhelming endeavor, but you don’t have to go it alone. Both Mondragon and the other moms featured in this article relied heavily on their support systems, enlisting the help of family members, friends, and even babysitters to lighten their loads.

As the saying goes, “it takes a village,” and having a reliable network of loved ones to assist with childcare, household tasks, or even just providing emotional support can make a world of difference when working toward a challenging financial goal.


The path to debt freedom for busy moms is rarely straightforward, but the stories shared in this article demonstrate that with creativity, determination, and a solid strategy, it is indeed possible to conquer even the most daunting financial burdens.

Whether it’s taking on a flexible side hustle, leveraging smart financial tools like balance transfer cards, or streamlining your spending and banking habits, there are numerous tactics that can help accelerate your debt payoff journey.

Additionally, embracing supportive communities, negotiating better rates, increasing your income through remote work, and leaning on your loved ones can provide the motivation, accountability, and practical assistance needed to stay on track.

Finally, achieving debt-free status as a busy mom requires a combination of mindset shifts, smart financial habits, and a willingness to explore unconventional solutions tailored to your unique circumstances. With perseverance and the right strategies in place, you too can join the ranks of these inspiring moms who have broken free from the shackles of debt.




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