It’s one thing to want to get out of credit card debt. Finding a way to make it happen is something else entirely. So today we’ll look at seven ways you might be able to come up with more money that can go towards your credit card debt. The options might not all be popular. After all they often involve work or sacrifice. But the ideal scenario of extra money magically appearing isn’t likely to happen, so let’s consider them anyway.

Here are seven ways you might be able to free up more of your existing money or make more money that you can put towards paying off your credit card debt.

1. Cut one luxury.

Think of one luxury in your life that you can live without. Then cut that expense. Do you eat out twice a week? Stop eating out or cut it to once per week. Put the extra money towards your monthly bill payments. Does the family have a more extravagant car than needed (or maybe two when you could get by with one)? Consider selling and getting a cheaper option, putting the difference towards your debt.

2. Tap into savings.

You might not want to sacrifice money set aside in savings and investments, but unless you’re earning a higher interest rate on that money than you’re paying on your credit card debt, you’re losing money anyway. Put it to better use. Get out of credit card debt and then save so you get the full value of the interest you earn.

3. Sell old items.

Whether you hold a sale at your home for your neighbours or you prefer to sell online, consider making a little extra money for a one time debt payment by selling old and unused items around your home.

4. Get a part-time job.

Of course there’s the good old fashioned way to get more money to put towards your debts — get another job. It doesn’t have to be a permanent solution, but the struggle now might be worth it when you’re relieved of the stress debt causes after a few months or so.

5. Offer freelance services.

If you have service-oriented skills, consider freelance services to bring in additional income. You can do some freelance work from home such as writing, virtual assistant work, programming, and design. Or you can work locally doing anything from pet sitting to cleaning homes.

6. Make small savings add up.

Instead of cutting one big luxury, consider cutting expenses in smaller ways and combining the savings into something more substantial. Use coupons or social shopping services to get unbeatable deals. Plan meals around whatever is on sale each week. Alter your errand schedule so you can be more efficient and use less fuel. Keep track of how much you save overall, and put that much extra towards your credit card payments each month.

7. Have every family member sacrifice one small thing.

If there is nothing big you can afford to sacrifice as a family, consider having everyone sacrifice something small. Kids might get a lower allowance or forego one snack each day to save a bit. Teens might go out one less night each week or get fewer video games. Adults might give up their morning coffee shop habits and make their own instead. It can be a good lesson for kids to learn, and those little sacrifices can add up to big savings.

Not everyone is in the same position. Some will have things they can sell or sacrifice for extra cash. Some have already done that and still come up short. Some will have time to pursue additional work, and others have responsibilities that might make that impossible. This article isn’t about what every consumer in debt should do. These are just a few ideas to point you in a different direction. It’s up to you to figure out where you can save, scrounge, and earn some more to do everything possible to get out of debt. And to that end we wish you nothing but luck.