What to Do If You Can’t Pay Your Credit Card Bill

You've gotten a bit behind, and now you're not sure where the money's going to come from to pay your credit card bill this month.  What can you do?  Check out these 4 tips for what to do if you can't pay your credit card bill.

We all fall on hard times. It might be due to the loss of a job or an emergency that eats up all our paycheck. Whatever the cause, you may find that you can’t pay your credit card bill.

Don’t panic. While this may feel scary and leave you feeling helpless, there are things you can do. Let’s look at what to do if you can’t pay your credit card bill.

Dip Into Savings

If you have an emergency fund, you may need to dip into it to pay off a creditor.  Be sure to keep a small amount in your emergency fund (at the minimum $1,000) to cover any emergencies that may come up before you can build your savings back up.

Unless you’re worried about losing your home, you likely don’t want to pull money from your retirement accounts (unless you’re 59 1/2) since you’ll end up paying a 10% penalty on top of the amount of tax from your tax bracket.

Pick Up Extra Hours at Work

If possible, pick up extra hours at work or start doing work on the side. Working a few extra hours here and there will give you more than enough money to make the minimum payment that month. You can put any extra in the bank just in case the next month is just as bad. While paying minimum payments isn’t ideal, it’s better than skipping your payment.

Sell Something

Thanks to Facebook yard sale groups, you can quickly and easily sell those items laying around your house collecting dust. This is a great way to make to make some extra cash. It’s only a temporary fix, but great if you’re going through a temporary situation.

Call Your Creditor

One of the worst things you can do is just stick your head in the sand and pretend this isn’t happening. This will lead to late payment fees, a hit to your credit score, and more. What you want to do is contact your creditor and explain your situation. In many cases, the creditor will lower your payment for that month. Some will even allow you to skip that month’s payment.

Not being able to pay your credit card bill can be overwhelming but there are so many options for making that payment.

FREE Kindle Book: Covering Love (Texas Romance Book 8)

Right now, you can download Covering Love (Texas Romance Book 8) Kindle book written by Caryl McAdoo for FREE from Amazon.

About the book:

Love may cover a multitude of sins, but not knowing all the facts can also get a man killed.
A family calamity gathers the clan, then a dying request tests loyalties and changes lives. New York City’s posh society, living on a rugged Texas hill country ranch, and the isolation of Alaska’s frozen tundra share little commonality and make going from one to another difficult at best. Still, destiny drives Crockett and his sister Charlotte where neither wants to go or thinks they belong. Second and third generations of the Buckmeyer progeny encounter danger, challenges, heartaches, and joys. But then reunions are all the sweeter for it.
This tale continues the breathtaking—and sometimes heartbreaking—family saga of the Buckmeyers, Baylors, and Nightingales that readers around the world have come to love.

Please note: Kindle prices tend to change quickly, so be sure to check that the total still says $0.00 before you “purchase” it.  If you do accidentally purchase a Kindle book after the price has increased, you do have a short amount of time to request a refund from Amazon.

You don’t need to have an actual Kindle to read the FREE Kindle books (although the price has dropped to only $49 for the cheapest Kindle Reader).  You can read Kindle books on your computer, iPhone, iPad, and more.

Between the FREE books from Amazon and Kindle books I’ve checked out from the library, I’ve been having so much fun reading on my iPad.  I really thought I wouldn’t like not having a physical book, but I love it.

If you’re interested in additional Kindle freebies, you can check out the current FREE Kindle books.

Printable Coupon: $3 off Boost Nutritional Drink + Walmart Deal


There’s a new printable coupon available for $3/1 Boost Nutritional Drink or Drink Mix (Multipack or Canister) that you can use at Walmart to get a good deal after coupon.

Deals available this week using the coupon include:


Boost Nutritional Drink Multi-pack, $7.84
$3/1 Boost Nutritional Drink or Drink Mix (Multipack or Canister) printable coupon
Total after Coupon: $4.84 ea.

Additional printable coupons available include:

Save $1.00 any ONE (1) Advil Liqui-Gels Minis 20ct or higher
Save $3.00 Any (2) Cetaphil (excluding trial/travel sizes and single bars)
Save $10.00 off ONE (1) Neutrogena Acne Light Therapy Product (valid on Neutrogena Light Therapy Acne Mask, Spot Treatment, or Activator)
Save $1.00 on ONE (1) Seventh Generation Feminine Care Product
Save $4.00 off any ONE (1) Neutrogena Facial Moisturizer or Treatment (excludes clearance, travel and trials)
Save $6.99 any Neutrogena Acne, Cleansing, and Men’s products. Savings up to $6.99

For additional printable coupons, check out Coupons.com, Red Plum, and Smart Source.  Plus, you can search for all available coupons in my Coupon Database.

Lodge Logic Square Skillet: $16 (35% off)

For a limited time, you can buy the Lodge Logic Square Skillet for only $16 (35% off). Get FREE Super Saver shipping on orders of $25 or more (or with Amazon Prime). This is the lowest price this skillet has been listed on Amazon.

About the Square Skillet:

  • Square 10.5-inch skillet can saute, sear, fry, bake and stir fry
  • Pre-Seasoned and ready-to-use
  • Superior heat retention and even cooking
  • Sturdy handle with hole for hanging when not in use, complemented by helper handle
  • Made in the USA

Be sure to check out all the Amazon deals that I’ve been posting for some great deals

Please note: Amazon prices tend to change quickly, so be sure to check the price before you buy.

15 Halloween Witch Treats

We love to create fun treats for the holidays, and these 15 Halloween Witch Treats are great!  With lots of great DIY ideas, these treats include everything from a witch's hat, broomsticks, a cauldron, witch's brew, and even a witch's finger.  Eerily delicious! Witch Finger Punch | Just Plum … [Continue reading...]

Cheap Kindle Book: Let There Be Love (The Sled Dog Series Book 1) for $0.99 (75% off)

For a limited time, you can buy Let There Be Love (The Sled Dog Series Book 1) Kindle book written by Melissa Storm for only $0.99 (75% off) from Amazon. About the book: Lauren Dalton’s world shattered the day her father died. Now she’s willing to move four-thousand miles away from the only home … [Continue reading...]

FREE Kindle Book: Waking Lucy (American Homespun Book 1)

Right now, you can download Waking Lucy (American Homespun Book 1) Kindle book written by Lorin Grace for FREE from Amazon. About the book: Lucy dreamed of marrying Samuel, until she woke-up as his wife. Samuel Wilson is dismissed after a disastrous year at the newly created Harvard … [Continue reading...]

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