Meet Alex. Alex has five credit cards, each with a different balance and interest rate. Minimum payments keep the accounts current, but interest makes it hard to see progress.

Card	Balance	Interest Rate
Card A	High	Very High
Card B	Medium	High
Card C	Medium	Medium
Card D	Low	Medium
Card E	Low	Low

Alex works a full-time job, but some weeks there’s extra availability — evenings, weekends, or lighter workdays. The challenge isn’t willingness to work; it’s finding flexible opportunities that fit unpredictable schedules.

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Step 1: Organize the Debt (Before Working More)

Alex lists all credit cards, balances, and interest rates. Instead of spreading effort across all five, Alex chooses a focused payoff approach:

• Make minimum payments on all cards
  
• Target one card at a time, starting with:
  
  • The highest interest card (to reduce long-term cost), or
    
  • The lowest balance card (to build momentum)
    

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Step 2: Create Flexible Work Options with ShiftSub

Alex creates a free ShiftSub profile and connects with multiple local employers, not just one. This is key.

By connecting with multiple employers:

• More opportunities appear on Alex’s calendar
  
• Work can be accepted only when time is available
  
• Missed weeks don’t eliminate future opportunities
  

Instead of relying on a single second job with fixed hours, Alex builds a bench of options.

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Step 3: Match Subwork to Real Life Availability

Each week looks different. With ShiftSub, Alex can:

• Pick up work during lighter weeks
  
• Skip weeks when life is busy
  
• Adjust based on energy, schedule, and priorities
  

This flexibility helps Alex stay consistent without burnout.

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Step 4: Direct Extra Earnings with Intention

Alex decides in advance:

• Any extra earnings from subwork go toward the target credit card
  
• No lifestyle expansion until one card is paid down
  

This creates:

• Clear purpose for working extra
  
• Faster progress on one balance
  
• Motivation as balances shrink
  

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Step 5: Repeat the Process

As one card is paid down:

• Alex rolls that payment effort into the next card
  
• Over time, fewer balances remain
  
• Monthly cash flow improves
  

ShiftSub continues to provide flexible opportunities along the way — without locking Alex into a long-term commitment.

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Why This Works

• ✔ Flexibility instead of fixed schedules
  
• ✔ Multiple employers = more opportunity options
  
• ✔ Intentional use of extra time