The hardest thing about being determined to pay off a debt or to save is to get focussed and stay focussed.
Those who have read this blog will see that I've lost focus on that goal several times. If I had stayed focused, I would have paid off my mortgage by now and have a nice little income in the form of rent.
Most of the time, doing what you always have is not enough and you can only scrimp and save so far.
So how to make that extra money to throw at the debt you want to kill?
Firstly look at what you do. There's 24 hours in a day. How much of that do you spend in front of the TV? Could you spend that couple of hours doing something else? Do you sleep too much? (I do given the opportunity)
Have a look at People Per Hour or E-Lance. Are there any jobs on there that you could do in that couple of hours a night
I know you don't want to work all the hours, but this doesn't come easy. Hard work pays off!!
Are you crafty? Have a look at Etsy or Folksy. Is there anything on there that you can make and sell to create another income stream? I find Craftseller magazine a great inspiration. Buy a second hand one off ebay, see what you think.
Is there anything you can do locally? Babysitting maybe? Tutoring students?
Do you blog? Can you write? Can you complete questionnaires for a few quid (you could do that AND watch TV!)
And your regular job, could you do more hours? Are you worth a pay rise? Can you do a project at home maybe for a bonus?
If you own your own business, market yourself in different ways to get more work with a different clientelle, maybe?
These are just ideas to get you in the right frame of mind. You have to have several income streams to make this work fast. Have a look at the March Side Hustle Posts on Mortgage Free in Three. Elaine's kids were determined to make a set amount and they did it. They pulled together and they did it because they worked hard and made more income streams.
Hopefully I've got you raring to go now?! So go! Do!!