One way to pay off debt is to cut back on expenses and make financial sacrifices. But another way to do it is by finding creative ways to bring in more money. Whether you work a full-time job already or are struggling to find work, there are some important questions to ask yourself before looking for specific income-earning opportunities:

  1. What does your schedule allow?
  2. What are the needs in your area?
  3. What are you really good at?
  4. How far are you willing to go to get out of debt?

After answering these questions, you will have a better lens through which to view the following specific money-making ideas to determine if any of them may work for you:

  1. Pet sitting
  2. Private sports lessons
  3. Rent your house out for Airbnb
  4. Landscaping
  5. House cleaning
  6. Meal prep
  7. Babysitting or childcare
  8. Drive Uber or Lyft
  9. Grocery delivery
  10. Food deliverer
  11. Postmates delivery
  12. Stock photography
  13. Calligraphy
  14. Cake baking
  15. Monogramming
  16. Consignment
  17. Give music lessons
  18. Be a tutor
  19. Building slides or PowerPoints
  20. Transcribing
  21. Virtual personal assistant
  22. Home organizing
  23. Car detailing
  24. Start membership to Financial Peace University (to help generate ideas with fellow attendees)