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Before you take a second job, you should first determine the total amount of money you owe. That way, you will be in a position to come up with a clear plan for the type of job you’ll need in order to raise enough money to pay off your debt.
Change your income tax withholding
If you change your income tax withholding, you’ll have more money in every paycheck. This might not seem attractive to you if you are used to receiving a big refund every year. But using this extra money to pay off your debt is worth it because you will eventually be debt free. Don’t have withheld more than the deductions you’re actually allowed or you could end up owing money to the IRS.
Sell those items you’re no longer using
Sell those things that you have but do not need such as old furniture, curtains, and clothes. You will find that getting rid of that clutter can be very profitable. You can sell the things on eBay, or Craigslist. You could also go to garage sales, buy items cheaply and then sell them at a profit.
Earn extra cash with consignment shops and garage sales
This option can be a profitable way to sell items that would not be easy to sell on eBay. It won’t be a steady source of income but the money you earn can be used to pay off debt.
One of the best ways to earn extra money is working online as a freelancer or an affiliate marketer. Once you get the gist of online jobs, you might even be able to quit your daytime job and take up freelancing full time. The extra money earned should be used to clear your debts.
Look jobs in your area that are part time
You could get a job in a store, restaurant or hotel. The money may not be much but it would help you to finally pay off your debt. The best thing about these jobs is that they are part tim and would not interfere with your regular job.
Yard sales are mainly used to raise money for a charity. However, desperate times call for desperate measures. If you have clothes, furniture or anything else that you bought using your credit cards and that you no longer need or can do without, sell it in a yard sale. Invite your friends, relatives and neighbors. By the end of the day, you will have collected a significant amount of money that can be used to pay off your debts.
Cut back on entertainment
Go out less and eat at home frequently. You will be surprised to find out that the money you spend one night eating out is enough to last you a whole week if you cook at home. You can also cut down on your cell phone minutes and save a few dollars. By saving money in various areas, you will find that you will have extra money you can use to pay off your debts.
Work for neighbors and friends
Distribute fliers around your neighborhood offering to do home jobs such as babysitting and house sitting. Do not limit your imagination. There are a lot of ways to earn extra money.