Youre ready to be out of debt.

Sounds like the understatement of the century, right?

You cant wait to be debt-free.

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Tina Russell/The Penny Hoarder

But you feel like youve tried everything.

And everywhere you turn, your debt is still there impacting just about every area of your life.

We Dare You to Take Control of Your Debt

Up for a debt challenge?

A young woman lays on the grass next to a lot of different credit cards.

Tina Russell/The Penny Hoarder

In 10 days,these 10 practical stepscould help you get back on the right financial track.

Freeze Your Credit Cards

Youve heard the whole freeze your credit advice.

We agree: Its a smart practice.

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But so you can save money, freeze your credit cards.

Literally in the freezer theyll go.

Stop Paying Your Credit Card Company

If you have credit card debt,you know.

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Its just getting rich by ripping you off with high interest rates some up to 36%.

But a website calledAmONEwants to help.

Youll be left with one bill to pay each month.

Plus: No credit card payment this month.

Get this theres afreeapp calledBingo Cashthat pays you up to $83 when you win bingo.

The game is based on a classic Bingo format plus tons of variations on the game.

Youll battle it out against other players at your same skill level.

The top three players in a game can win real money anywhere from $1 to $83.

Heard of These Credit Card Debt Tips?

But millions of Americans overlookthese easy tipsthat could help them manage credit card debt even more wisely.

Read moreto boost your credit knowledge and keep your credit score in check.

Cancel Your Car Insurance

You might not realize it, but your car insurance company is probably overcharging you.

In fact, theyre kind of counting on you not noticing.

But dont worry; this is an easy fix.

On average, drivers who shop around tend to save $860 per year or more.

Getting started is super easy, too.

Stop overpaying for car insurance.

It only takes a few minutes tocompare your optionsand see how much you could be saving.

Its too good to be true, right?

Unlike other sites, InboxDollars pays you in cash no points or gift cards.

Its already paid its users more than $56 million.

Signing up takes about one minute, and youll immediately receivea $5 bonusto get you started.

Drowning in Expenses?

Maybe youre scrambling after your car broke down.

Or you got a medical bill you werent expecting.

Or inflation has finally pushed your budget over the edge.

You dont need to go it alone.

When money is tight,these resourcescan help you manage unexpected expenses without stress.