 TITLE: How to Pay Off $25K in Debt Fast CONTENT: Earn Additional Income and Cut Spending\n---------------------------------------\nThe fastest ways to reduce your debts overall are to earn more money and cut down on your spending. Even if your full-time job doesn't offer many opportunities to increase your hours, there are other ways to boost your income:\n*   Pick up extra shifts at work or volunteer for overtime, if that's an option at your job.\n*   Turn a hobby, such as making crafts or baked goods, into an income stream.\n*   Pick up odd jobs through sites like TaskRabbit and Thumbtack.\n*   Sell unused furniture or old household items.\n*   Offer tutoring or personal assistant services.\n*   Sign up for a ridesharing or personal shopping service (think Uber or Instacart).\n*   Look for freelance gigs on Fiverr or Upwork.\nRemember, you don't need to permanently change your work schedule or keep a side gig forever. But even a little bit of extra income each week can help you shrink your timeline for paying off that debt.\nIf you're unable to work additional hours, you can free up money by spending less. Once you start looking for ways to cut your budget, you'll be surprised at how many ways there are to save, including:\n1.  Prepare all of your meals (and your morning coffee) at home.\n2.  Buy clothes and other goods secondhand.\n3.  Cancel any subscriptions you don't use (and maybe even some you do), such as newspapers, magazines, streaming services, gym memberships or paid apps.\n4.  Ask your insurance providers for discounts to reduce monthly premiums.\n5.  Clip coupons and use cash back services, such as Rakuten, when online shopping.\nWhen you take measures to save money by reducing expenses, you may find that the habits you adapt while on your debt repayment mission stick with you even after all your balances are paid down. END