How to pay off debt quickly is a challenging question, when your income is limited. One of the first steps is to review the subscriptions, shopping and other expenses that can be cut back. Use the extra cash you will have after paying essential bills and building up a rainy day savings account to pay off debt. If you have multiple credit cards, try to pay off the one with the highest interest rate to avoid paying unnecessary interest in the long run. When selecting a payment option, be sure to review the payment fees and terms. Payments can also be made online via the card issuer's website or app. What credit card budgeting tips have worked well for you with regards to paying your credit card online and paying down debt?