Getting out of credit card debt can feel like trying to untangle a giant knot—frustrating and overwhelming. But sometimes, thinking outside the box (or even outside the wallet) can spark new motivation. Here John Lowe of MoneyDoctors.ie gives ten quirky, unconventional ways to tackle that debt and maybe even have a little fun along the way!
1. Host a “debt-busting” garage sale… with a twist…
Turn your clutter into cash by hosting a themed sale—think vintage, collectibles, or even “mystery boxes.” The more unique, the better! Every euro earned is one step closer to freedom.
2. Start a “debt-free challenge” with friends
Make it a friendly competition. Whoever pays off the most debt in a month wins a prize—perhaps a fun outing or a spa day. Those in the competition pay an entry fee that will fund the prize. Accountability can turn chores into cheers!
3. Become a “secret shopper” for extra cash
Sign up for mystery shopping gigs. Not only do you get paid, but you also get to evaluate businesses—double win! You can apply for such roles on websites like www.panresearch.ie ..
4. Dress up as a “debt fairy” and perform “financial magic”
Create a playful persona and perform “magic tricks” to motivate yourself to save—like pretending to make debts disappear with a flick of your wand. It may motivate you to actually address those debts.
5. Create a debt-repayment playlist and dance your way to debt freedom
Music can motivate! Curate a playlist of uplifting songs and dance your debt away—because sometimes, movement sparks momentum. Songs like ABBA’s Money Money Money, Elvis Costello’s Pay it back, Sammy Kershaw I want my money back etc
6. Offer to teach a skill for pay
Are you great at baking, coding, or playing guitar/piano? Offer lessons of any kind in exchange for extra cash to chip away at your debt.
7. Set up a “debt jar” for unexpected windfalls
Every time you find change or receive a bonus, toss it into a jar dedicated solely for debt repayment—small amounts add up fast. Even ‘small’ notes (€ 5 ) could be included in the jar..
8. Challenge yourself to a “no-spend day” once a week
Make it a game to go a full day without spending. Save the money you’d normally spend and direct it to your credit card. You might also be ticking the “healthy” box – no fast food, walk in the local park rather than pay for the gym etc
9. Create a visual debt tracker with fun rewards
Design a colourful chart or poster that shows your progress. When you hit milestones, treat yourself to non-financial rewards—like a movie night or a day off. You need to be rewarded for your efforts.
10. Write a “debt freedom” letter to your future self.
Visualise your debt-free life by writing a letter to your future self. This mental exercise can boost your motivation and keep you focused.
Having credit card debt and doing nothing about it is the worst thing you can do. The pillar banks and PTSB offer interest free transfer balances for 6 months while An Post Money offer to transfer your credit card debt to them at 0% interest rate for a whopping 12 months.. these are also options on that credit card debt…as the sporting giant states on their marketing – Just do it !