I need to pay off 8k credit card debt ...

[Birdgirl67]

Without my H knowing. Long story, I've not blown it on stuff for me or gambling or booze. But I need to clear it, how can I make more money/save money on top of my current 2 jobs. I have nothing of worth to sell. I could increase my hours at work but that would only bring me in an extra 160ish a month. I need an extra 1k month! Obviously that's not going to happen. I'll be cutting back but how else can I earn extra money ??

Chris knows

Lol christ

You need to speak to your husband.

You could speak to stepchange or Christians against poverty. I think they go through your budget and workout what payments are affordable etc. But that will probably require your DH knowing...

Can you look for a better paid job? Sell things on eBay?

1k a month is a stretch but you can do online surveys, do enough you can average 50-100 Per month.

Can you make stuff, or good at anything?
What about setting up ironing, dog walking etc?
You will need appropriate insurance but you'd soon earn it back.

Can you take out 0% credit card and balance transfer to avoid interest.
It might be better to figure how much extra you can raise and maybe give your longer to pay it back.
Make a plan and stick to it.

You should tell him. It'll be easier in the long run.

Why can't you tell him?

Are you paying interest?

Is there s reason you need to do it so quickly rather than over a more achievable time frame?

being dishonest about money issues with your spouse is a death knell for a marriage. are you sure you want to go there?

there was a recent thread (now has been deleted for the OP's privacy) where the OP had concocted a crazy and dishonest scheme to generate extra funds, then regretted it, and was asking advice for how to untangle the mess without DH knowing. she was advised to come clean to dh, and she came back to the thread to say she followed that advice and DH was kind and understanding and helpful. that is how this should go too. be honest with DH and make a plan together.

if you don't have significant disposable income then paying it off in 8 months is not realistic, and as you already work 2 jobs taking on much more work may not be feasible. you will need to do a combination of earning what extra you can, trimming outgoings for what savings are possible, and find ways to reduce the interest on the debt as much as possible, and keep on being sensible for as long as it takes to get rid of the debt.

Unless he is abusive you need to tell him. Not telling him is a massive breach of trust.

Can you tell us how you built it up OP? I agree with making a plan with your DH so don’t understand why you can’t tell him.

The problem with credit card debt is it’s usually high interest rate so very hard to pay off in small instalments as the interest payments are high, so you might be best to cut up your cards and shift it to a lower rate loan.

Finally, look at matched betting.

Look into matched betting! It's complicated but free money and it's all legal and not actual gambling, it's risk free betting.

Surely matched betting is gambling for people who can't afford to gamble?

ssd anyone can do matched betting you need to start with as little as £10 then you can start building up money, check out team profits website. You make a profit by winning money from the free bets the websites send you

OP the absolute best advice is all on the Money Saving Expert website. Go on forums - debt free wannabe. There is masses of support on there and plenty of tips on boosting your income/reducing your outgoings. I'd never have cleared the debt without the help on there.

I haven't done matched betting but it is not gambling - it is making money out of the free bets. You need to 100% know what you're doing to make it risk free which is why I've left it for now!

If you haven't wasted the money you can surely explain to him how you got into so much debt. You need to talk to him.

I agree with switching to a 0% interest account.

I agree that you have to talk to him. I’d be angry with dh but we’d make a plan to sort it out together. Where did this debt come from?

You need to talk to your DH because yes you could pay off the debt (I've just got us out of a £6k hole from unforeseen expenses) but your debt isnt from a one off like a wedding. Its something that could happen again if you dont get the right support and the secrecy and guilt will make you more likely to turn to alcohol or gambling. Talk to someone in your life about getting help. Speak to your GP about addiction.

Whoops sorry, its early and I read gambling and booze! Must get my contacts in! In that case work out where the money has gone. Is it actually for family expenses? Is it because the family income simply isnt enough to sustain you or are you spending on little luxuries like coffee and lunch? Check out Dave Ramsey for advice on quickly paying off debt and staying debt free. I also love budget mom.

Please please tell your DH... I've just ended my marriage of ten years with one of the main reasons being concealed debt. You're not giving your DH the chance to support you and even though you're doing something distrustful it'll also make home feel as if you don't trust him. All important stuff!

Him not home

If your credit rating is good you could do a balance transfer to a card that offers an interest free period and then clear as much as you can.

Matched betting is a good way to earn extra money and £1k a month is possible if you put the time in, but to make that you do need a float to start with.