Most people are living paycheck to paycheck. When all you can afford are the minimum payments on credit cards, and each month you max out the card again to stay afloat, how can you possibly find a way to pay down the credit cards?

Here a seven ways to “find” extra money each month. Make a list and prioritize your credit card bills—pay off the highest interest rate first and quit carrying the card so you aren’t tempted to use it.

As you accumulate money from day to day, keep it separate from “regular” money. At the end of the month, make a payment on your targeted priority credit card. Once one card is paid off, move on the next one.

If your town started charging a fast food tax tomorrow, what would you do? You’d probably gripe—and pay it. By charging yourself a “fast food tax” of $.25 on snacks and $1 on meals, you can begin to build a fund to pay down debt.

Every week, grocery stores offer hundreds of dollars in coupon savings. Your receipt usually has the amount printed in bold at the bottom. Move that much cash into your payment fund.

Every time you make a purchase, track the amount of change you had to the nearest dollar. Move that cash into your payment fund.

Times are tough, and good full-time jobs are hard to find. But temporary part-time jobs are still available. You can either put all your temp wages into paying off credit cards (and get them paid off faster) or use half your wages for debt and half for savings.

Recycling is another way to add to your fund. It’s simple enough to toss aluminum cans into a separate trash can and take them for recycling once a month.

You probably have all kinds of used stuff just sitting around gathering dust. You can have a rummage sale—or list items on eBay or Craigslist to sell. Remember, one person’s trash is another person’s treasure.

Finally, you may be able to raise extra money from a hobby. Rent a table at your local craft show or flea market to sell your crafts. You may even be able to sell goodies like homemade fudge or cookies.

While bringing in more money is the fastest way to pay down debt, you can also make an effort to spend less. And combining the two is the fastest, best way to build your payoff fund.