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60 Free And Legal Websites To Download Literature (For Bookworms)

60 Free And Legal Websites To Download Literature (For Bookworms)

Free books online are perfect for the avid reader. The genres range from classical literature to historical fiction to biographies and tons more. Life Hack is here to offer you all the best sites at no cost and are completely legal.

The Classics

Stay ‘classy’ with these finds:

Classic Book Shelf
Changes the font and background colors for ease of reading.

Project Gutenberg
Oldest e-Book library on the internet!

Page By Page Books
From Sherlock Holmes to War of the Worlds can be found here

Classic Book Library
Books available for younger readers are available.

Classic Reader
Shakespeare, YA, and so much more!

Historical Fiction

Love Historical Fiction? Find them here!

Public Bookshelf
Romantic get-aways set back in time!

Get Free E-Books
Dramatic settings with a historical backdrop.

Obooko
A little something for everyone.

Free E-Books Lounge
Browse their huge library for some fantastic stories!

E-Books Directory
Over 20.000 books available and growing.

Classic Literature Library
The UK’s site for all things classic!

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LibriVox
Stories with a historical backdrop available here

Fiction

Adore fiction? Get them free at these sites:

Read Print
Fiction for kids, young adults, and adults.

Planet E-Book
Fiction, including Sy-Fy and Fantasy.

Bibliomania
Find bibliographies and so much more!

Literature Library
You’ll find Darwin to Descartes here.

Fiction.US
Novels, screenplays, short stories, and more!

The Internet Database Of Fiction
Offers popular authors like, J. K. Rowling.

Free Online Novels
Christian novels, as well as, fantasy, adventure, mystery, and more.

Foxglove
A British site offering fantasy, satire, and assorted fiction books.

Baen Free Library
Books published by Baen are available here for free.

Non-Fiction

Love a great true story? Then don’t miss these:

Amazon.com
Available for Kindle.

Free E-Books.Net
Biographies, Autobiographies and so much more.

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Bartleby
World renowned non-fiction site.

BookRix
Choose from thousands of titles!

Textbooks

Struggling student? Check out these options:

Medical and Dentistry Textbooks
Biology, Anatomy and much more, including lectures.

MIT Open CourseWare
Includes videos and text on engineering, mathematics, and chemistry.

Business Textbooks
Find everything related to business at this site.

Textbook Revolution
Biology, Mathematics,Engineering and more.

Science And Math
Find your passion for math and science here.

Light And Matter
Open Source physics materials.

 Books For Kids

A great way to introduce a love for reading to kids:

byGosh
Illustrated children’s books, poems, and short stories!

Munseys
Over 3,000 books for kids available.

International Children’s Library
Fiction and non-fiction titles kids will love.

LookyBook
Even teachers love this award-winning site for kids.

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History and Culture

Love learning about history? Then these picks are for you:

American History

Chronicles from 1776-1965.

The Perseus Project
True stories from Greek and Rome!

Online Books 4 Free
Free History books galore!

Most Popular History Books
Find works  such as, The Autobiography Of A Female Slave and many others.

Mystery

Snuggle up to some of the best mystery books you’ll find anywhere!

Mystery Net
Offers free, short stories.

Top Mystery
From Sir Arthur Conan Doyle to Hitchcock, all free!

Mystery Books
Includes selections from Sue Grafton, and many, many others, at no cost.

Miscellaneous

Banned Books
Hundreds of select books that were once legally banned.

World E-Book Library
A massive collection of books, for both children and adults!

DailyLit
Think you don’t have time for reading? This site offered readings in only 15 minutes.

A Celebration of Women Writers
This site provides award-winning novels by women.

Free Novels Online
Choose from a wide selection of available novels.

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Many Books
Includes recommendations from authors and readers.

Authorama
Includes selections from Google Books and far more!

Prize-Winning Books
Books that made the cut from the Newberry award to the Pulitzer.

The Road To Romance
Perfect for a romantic read, stories include authors such as Patricia Corwell.

Arts And Entertainment

Books On-Line
Find celebrity gossip, movie scripts, and more on Hollywood!

Chest Of Books
Enjoy books on the culinary arts or the art of gardening all at no cost.

Free E-Books
Enjoy books on beauty and fashion, as well as hundreds of other titles!

2020ok
Like photography or the arts? Then this site is for you.

Free Art Books
Whether your interest lies in film, writing, or the visual arts this site is for you.

Web Design
Find the help you need here to design the perfect site, at absolutely no cost!

Fashion Books
For every fashion divas! Enjoy all that is fashion at this site.

Questia
Over 5,000 titles to choose from, includes rare books.

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Published on January 8, 2021

How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

How To Pay Off Credit Card Debt Fast: 7 Powerful Tips

Ever wondered whether your credit card debt is the reason you’re in a bad financial situation? You can’t enjoy any fun activities because a good chunk of your money goes toward debt payment. Heck, you’re even behind on some of your monthly bills.

The effects of clumsy debt management are too many to list here. This guide is going to help you discover how to pay off credit card debt fast and start chasing your financial goals.

Debt problems are the last thing anyone wants to encounter. But things can get out of hand when all the “little debts” you take accumulate in interests.

What if you knew some simple and proven ways to be debt-free quickly? Implementing them would mean better financial health for you. It becomes possible to free up cash for your “wants.” These include taking a trip or buying something you’ve always desired. All that while paying your bills on time!

Let’s not wait any longer. Here are 7 powerful tips for paying off credit card debt fast:

1. Pay More Than the Minimum Credit Card Payments

Many people only pay the monthly minimum on their credit cards. Truly, that’s the right amount for staying on good terms with your credit card company. But you need a different approach if you’re looking to achieve financial independence within a short time.[1]

Most of your payments go toward interest costs when you only pay the minimum amount. A substantial sum of your balance remains standing. As a result, it becomes more expensive to eliminate your debts.

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You don’t want to wait more than 10 years to get rid of debt while it’s possible to do it sooner. All you have to do is double that $100 minimum payment to $200 or go higher.

The good thing is that minimum credit card payments are affordable in most cases. By paying a higher amount, you reduce your interest costs, lessen your borrowing period, and boost your credit score.

2. Start With High-Interest Credit Card Debt

If you have more than one credit card debt, prioritize putting the extra money toward the ones with the highest interests. This debt pay-off strategy, known as the debt avalanche method, is essential for being debt-free quickly.[2]

First, you need to list down all the credit card debts you have in the order of their interest rates. Next, you choose the one with the highest interest and pay a significant amount toward it each month. It can be an amount twice or even thrice larger than the minimum payment.

At the same time, you make monthly minimum payments on the other debts. Their interest charges won’t be as costly as that of the first debt on your list. You only move on to the next high-interest debt after the first one is gone. Remember that your focus is on the interest rates and not the balances.

3. Revisit Your Budget

Budgeting is useful for tracking your financial moves. Once you create a budget, some tweaks along the way can make it work for you better. One situation that requires you to revisit your budget is when you’re struggling with debts. It might hurt a bit to slash some expenses. But you also don’t want to miss out on achieving financial freedom in the long run.

You can reduce some variable expenses to free up more cash for credit card debt payments. They’re the ones that change from time to time. Some examples are groceries, fuel, and clothing.

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Other opportunities for cutting down your spending lie in non-essential expenses. Instead of dining out all the time, you can cook at home more to save money. You can also share some subscriptions with friends and pay a fraction of the cost.

If you’re determined enough, you can eliminate all your unnecessary expenses and focus on paying off your credit card debt first.

4. Avoid Using Your Credit Cards

Do you want to know how to pay off credit card debt with a low income? One simple way is to stop using them. Having your credit cards everywhere you go means that you’ll be more tempted to buy unnecessary stuff. In this case, you spend money that you don’t really own and get deeper into debt.

The quickest fix to stop the debt build-up is spending with cash. You’ll be more aware of everything you can afford at any particular time. If you decide to keep one or two cards to ease the transition, always make wise choices. For instance, only use them when experiencing financial difficulties.

It’s best to categorize your fun activities under “discretionary spending” in your budget. This way, you won’t need more debt to kill your boredom. By halting your credit debt from accumulating, it’s easy to pay down what you already owe and be happy with the progress.

5. Start a Side Hustle to Boost Your Income

You’re probably turning away a lot of money by not monetizing your skills. Everyone has something that they’re good at doing. And you can use that to generate extra income for attacking your credit card debt.

If you look around your neighborhood, you can find several side hustle opportunities. It can be pet sitting, tutoring, or lawn mowing. You can start an online business by offering services such as digital marketing, content creation, and web development. Such skills go in high demand on freelance sites and job boards.

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Finding clients on social media is also a good strategy to utilize your skills and make more money. Facebook groups, Quora Spaces, and subreddits are some places to look for side jobs. You only have to join a niche-specific platform, share your services, and respond to any opportunities.

It’s possible to learn a skill, practice it, and earn from it. Use the free resources online or purchase some e-courses to get started.

6. Sell Your Used Items for Extra Cash

Starting a side hustle isn’t the only way to generate extra money. You can turn unwanted items into cash for paying off credit card debt. Whether it’s an old TV, book, or furniture, there is always someone itching to buy your used stuff.

A garage sale, as much as it’s old-fashioned, is perfect for getting your neighbors and passers-by to buy from you. You keep all the money because there are no business permits or taxes involved. While you may not make much cash, it’s better than leaving your stuff to go defunct in your storage.

Other than that, you can sell your used stuff on online marketplaces. Facebook groups are great places to start if you want quick approvals and hence sales. You only have to ensure that your listing follows Facebook’s commerce policies.

When selling any pre-owned items online, ensure they’re in good shape to avoid problems with your buyers.

7. Know When to Seek Help With Your Debt

Asking for help with your credit card debt can be challenging to do. But letting it drown you is a road you don’t want to take. While you may feel embarrassed at first, it’s the best way to get back on track when you run out of options.

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There are tons of non-profit credit counseling organizations that can offer you free guidance on how to escape the debt trap. An example is The National Foundation for Credit Counseling. They simply review your finances and help you determine the source of your financial problems. After that, they match you with an actionable debt management solution.[3]

In extreme cases, the debt solution can be:

  • Debt relief – where your debt is partially or wholly forgiven
  • Debt consolidation – taking out one loan to repay others
  • Debt settlement – the creditor forgives a significant portion of your debt
  • Bankruptcy – legal process for seeking relief from some or all your debts

It’s necessary to carefully weigh your options before deciding on the way to go. Find out how it might affect your credit score and any other risks.

Wrapping It Up

Debt is a major setback when you’re trying to prosper in life. Paying off credit card debt is essential if you want to reach your financial goals. That means having more free income, a good credit card score, and even a chance to retire early. You become more productive each day because of the peace in your mind.

So, you now have some tips on how to pay off credit fast. Go ahead and get rid of that good life progress killer!

More Tips on How to Pay Off Debt

Featured photo credit: rupixen.com via unsplash.com

Reference

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