My tip: Have one main credit card. Have a second one that you use for necessities – such as groceries or gas – that offers rewards for those purchases (a lot of cards do) and set the second one on auto-pay. You should be able to pay off a smaller amount on auto-pay if it is a necessity. If you think you cannot, then you may need to cut down a lot on expenses.
There are many ways to get people onto your list. Lead magnets are one such resource. For example, you can build ebooks, checklists and cheat sheets. But you can also do content upgrades, such as PDF versions of an article with added resources in them, four-part video training series, and more. Think about your audience and what you can offer them to better serve them, then treat them with some respect and you'll eventually reap the rewards.
One of the reasons I like Wealthy Affiliate is because it enables me to provide this blog for free to people, but also be able to sell a genuinely high-quality product that I know is always updated and provides a better service than I ever could. Plus, when people sign up using my affiliate link, I can still provide one-on-one coaching and support as a way to add value and as a “thank you” for signing up using my link. Wealthy Affiliate truly is a win-win-win setup.