These are some ideas and I hope they are helpful. Thank you.
1. Look for lower interest rate option and pay more than the minimum

2. Save for emergencies and unplanned expenses.

3. Consider hiding your credit cards

4. Make it harder to spend

5. Learn to use credit wisely

Also, there are business fundraisers like bonfire.com has products like t shirts.
There are fundraisers for businesses, and fundraising for start ups.