# Ditch Your Debt **URL:** https://community.clark.com/c/ditch-your-debt/19.md [Latest](https://community.clark.com/latest.md) · [Categories](https://community.clark.com/categories.md) · [Tags](https://community.clark.com/tags.md) --- ## [About the Ditch Your Debt category](https://community.clark.com/t/about-the-ditch-your-debt-category/29)
**Author:** [@james](https://community.clark.com/u/james)\ **Replies:** 1\ **Last updated:** [May 11, 2023, 7:18am UTC](https://community.clark.com/t/about-the-ditch-your-debt-category/29 "2023-05-11T07:18:39Z")
Debt can really weigh us down. Ready to stop paying interest and start paying yourself in savings? Share your debt dilemmas, questions, and tips here. --- ## [National Catholic Register: "8 Ways a Catholic Family of 16 Lives Debt-Free"](https://community.clark.com/t/national-catholic-register-8-ways-a-catholic-family-of-16-lives-debt-free/9164)
**Author:** [@PropofolMask](https://community.clark.com/u/PropofolMask)\ **Replies:** 0\ **Last updated:** [April 13, 2026, 5:34am UTC](https://community.clark.com/t/national-catholic-register-8-ways-a-catholic-family-of-16-lives-debt-free/9164 "2026-04-13T05:34:06Z")
I hope this article isn’t too political. --- ## [How Do You Save Money on Utilities?](https://community.clark.com/t/how-do-you-save-money-on-utilities/2580)
**Author:** [@TeamClarkAdmin](https://community.clark.com/u/TeamClarkAdmin)\ **Replies:** 9\ **Last updated:** [March 23, 2026, 11:00am UTC](https://community.clark.com/t/how-do-you-save-money-on-utilities/2580 "2026-03-23T11:00:02Z")
Share your tips to reduce monthly spending! --- ## [New Job Time to Pay Off Debts?](https://community.clark.com/t/new-job-time-to-pay-off-debts/6850)
**Author:** [@SpaceCowboy92](https://community.clark.com/u/SpaceCowboy92)\ **Replies:** 9\ **Last updated:** [January 11, 2025, 5:11pm UTC](https://community.clark.com/t/new-job-time-to-pay-off-debts/6850 "2025-01-11T17:11:59Z")
Hi Clarkee’s, I just started a new job about 3 months ago. It is a significant pay bump for our family. I made the decision to try to pay off all of our non mortgage debts. We have about $35k in students loans and $16k … --- ## [Do You Receive Any of Your Bills in the Mail?](https://community.clark.com/t/do-you-receive-any-of-your-bills-in-the-mail/480)
**Author:** [@TeamClarkAdmin](https://community.clark.com/u/TeamClarkAdmin)\ **Replies:** 64\ **Last updated:** [July 2, 2024, 2:01pm UTC](https://community.clark.com/t/do-you-receive-any-of-your-bills-in-the-mail/480 "2024-07-02T14:01:47Z")
Clark recommends getting your credit card bills by mail (click to see why), and some people prefer mailed mortgage statements. Which bills do you prefer in paper vs. paperless? --- ## [Should I consider doing a balance transfer AT THE PRESENT TIME?](https://community.clark.com/t/should-i-consider-doing-a-balance-transfer-at-the-present-time/4724)
**Author:** [@PropofolMask](https://community.clark.com/u/PropofolMask)\ **Replies:** 0\ **Last updated:** [March 20, 2024, 7:06pm UTC](https://community.clark.com/t/should-i-consider-doing-a-balance-transfer-at-the-present-time/4724 "2024-03-20T19:06:45Z")
I am currently carrying a large balance on my fixed-rate credit card from Redwood Credit Union. I’ve been carrying a large balance on said card since last December. The purchase APR for said card is 8.99 percent. Why … --- ## [Save $2,024 in 2024](https://community.clark.com/t/save-2-024-in-2024/3928)
**Author:** [@TeamClarkAdmin](https://community.clark.com/u/TeamClarkAdmin)\ **Replies:** 4\ **Last updated:** [December 2, 2023, 9:36pm UTC](https://community.clark.com/t/save-2-024-in-2024/3928 "2023-12-02T21:36:57Z")
If your New Year’s financial resolution is to save more money in 2024, this fun, simple money challenge will help you meet that goal. Download and print the chart so that you can cross off each week of savings. HELPFUL … --- ## [Which debt should I try to eliminate first with extra cash?](https://community.clark.com/t/which-debt-should-i-try-to-eliminate-first-with-extra-cash/2935)
**Author:** [@UniversalSam](https://community.clark.com/u/UniversalSam)\ **Replies:** 13\ **Last updated:** [June 13, 2023, 1:15pm UTC](https://community.clark.com/t/which-debt-should-i-try-to-eliminate-first-with-extra-cash/2935 "2023-06-13T13:15:15Z")
Here is the situation: I have a surplus of savings (beyond emergency fund) in a basic savings account, which is due to recent promotions for my wife and myself in the past couple of years. We already do well with retirem… --- ## [Which Fees Are a Total Waste of Your Hard-Earned Money?](https://community.clark.com/t/which-fees-are-a-total-waste-of-your-hard-earned-money/2431)
**Author:** [@TeamClarkAdmin](https://community.clark.com/u/TeamClarkAdmin)\ **Replies:** 5\ **Last updated:** [May 16, 2023, 4:11am UTC](https://community.clark.com/t/which-fees-are-a-total-waste-of-your-hard-earned-money/2431 "2023-05-16T04:11:13Z")
Paying unnecessary fees is just frivolous: a bad habit you need to kick if you want to develop a successful, sustainable money routine. What fees are you paying frequently? --- ## [Save $2,023 in 2023](https://community.clark.com/t/save-2-023-in-2023/1852)
**Author:** [@TeamClarkAdmin](https://community.clark.com/u/TeamClarkAdmin)\ **Replies:** 1\ **Last updated:** [December 22, 2022, 5:49am UTC](https://community.clark.com/t/save-2-023-in-2023/1852 "2022-12-22T05:49:29Z")
If your New Year’s financial resolution is to save more money in 2023, this fun, simple money challenge will help you meet that goal. Click here to download and print the chart so that you can cross off each week of savi… --- ## [How To Save $1,000 in 15 Weeks](https://community.clark.com/t/how-to-save-1-000-in-15-weeks/1439)
**Author:** [@TeamClarkAdmin](https://community.clark.com/u/TeamClarkAdmin)\ **Replies:** 2\ **Last updated:** [October 19, 2022, 4:15pm UTC](https://community.clark.com/t/how-to-save-1-000-in-15-weeks/1439 "2022-10-19T16:15:26Z")
You can have almost $1,000 saved by the end of the year by participating in this 15-week savings challenge! Or use some of the savings along the way for Christmas shopping. CLICK HERE for more details: How To Save $1,000…