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One of the biggest problems that many people face while attempting to pay down debt is where to find money to pay off debt. If you want to pay off your debt, you have to pay more than the minimum payment, yet this is often difficult to do when you're having difficulty simply making ends meet each month.

Where can you get money to put towards your credit card bills each month? Here's some ideas:

Tax refund: Do you typically receive a substantial tax refund every year? If you do, then you should use part or all of your tax refund to pay down your debts. Also, it is advisable to adjust your income tax withholding so less taxes are coming out from each check; you'll receive a smaller tax refund, however you'll have additional cash to apply towards your debt payments each month. The last thing you want to do is give The IRS free use of your money when you need money to pay off debt!

Savings: No one likes to cash out their savings account to pay off credit card debt, however any time you have credit cards that are costing you 20% and up in interest on a monthly basis but your savings are only earning 4% (or less), it is just smart to use part of your personal savings if you want to get rid of that terrible credit card debt.

Bonuses, raises and overtime: When you get a raise, bonus or get overtime, you should use at least part of those earnings to put towards your debt. Seeing as this is "extra" income that you didn't have before, you shouldn't miss the money you put towards your credit card debt.

Sell things: An additional option could be to sell items to help you raise money. Hold a garage sale or sell items you no longer use on eBay. Sell books that you no longer read on Amazon or Half.com. You may be shocked by how much certain objects will sell for on an online auction!

Cut down spending: Despite the fact that this is listed last, this is probably the first strategy you should take to uncover additional funds to pay off debts. Make sure you review your expenditures to see if there are any areas that you can reduce to generate additional money to be used towards your credit card debt. Some typical bills that might be cut back on, at least temporarily, to help pay off debt include food (both groceries and eating out), entertainment (health club memberships, newspaper subscriptions, cable TV, internet, trips to the book store) and personal care (haircuts, clothing, house cleaning services, etc.).

These are only a few recommendations on how you can get money to pay off debt. There are numerous additional ways you can generate money to use towards your credit card debt for anybody who is motivated to look for them.

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