Let's say you want to make more money each month. First, you must commit to 55. This is the number of hours per week you need to work toward earning money. If 55 is unrealistic, try 50. If 50 is too much, start with 41. For now, you must invest more of her time toward making money to get over the hump and build positive financial fuel.

__Where to start:__ 1. __Your current job__ - can you get more hours, additional shifts, and/or overtime? Your current job knows (and hopefully trusts) you. It’s often easiest to get more work from people who are already paying you. Also, you might not need to commute anywhere different. 2. __Employers of your spouse/partner, friends, and/or relatives__ - again, you're looking for a few hours, shifts, or maybe projects. Your friends, family, or spouse/partner can ask around at work and see if there are any opportunities there for you. The idea here is that someone who knows you can refer you, and that might increase your odds of getting those additional hours or shifts. __Where to go next:__ You may need to look into “gigs” or side hustles for extra income. According to Forbes, more than one-third of U.S. workers are part of the gig economy. 1. __At home side hustles__ - sometimes it's easiest to add a side income stream if you're working from home - Transcription: [Rev](https://www.rev.com/freelancers), [Scribie](https://scribie.com/freelance-transcription#intro), and [TranscribeMe](https://www.transcribeme.com/jobs/) - Virtual assistant: [Zirtual](https://www.zirtual.com/jobs) and [Upwork](https://www.upwork.com/) - Proofreading: [Upwork](https://www.upwork.com/) and [Fiverr](https://www.fiverr.com/) - Completing online surveys: [Swagbucks](https://www.swagbucks.com/), [Survey Junkie](https://www.surveyjunkie.com/), and [InboxDollars](https://www.inboxdollars.com/) - Teaching English: [Skooli](https://www.skooli.com/for_tutors), [VIPKid](https://www.vipkid.com/teach), and [Qkids](https://teacher.qkids.com/) 2. __Driving and delivery side hustles__ - if working from home isn't for you, take a look at these - Ride sharing: [Uber](https://www.uber.com/a/join-new) and [Lyft](https://www.lyft.com/drive-with-lyft) - Food delivery: [Uber Eats](https://www.uber.com/us/en/deliver/), [DoorDash](https://www.doordash.com/dasher/signup/), and [Instacart](https://shoppers.instacart.com/) - Delivery: [Amazon Flex](https://flex.amazon.com/), __Not sure where to start?__ No worries. Look at [Steady](https://steadyapp.com/), which aggregates gig opportunities, and [FlexJobs](https://www.flexjobs.com/) for remote, work from home, and flexible job opportunities. __Cashing in PTO:__ Paid time off (PTO) can be a great way to recharge. However, taking more time off often leads to more spending and less earning. In the short term, you may need cash more than PTO. While tax consequences should be highlighted, their impact is often far less than the cost of recurring debt. __Education / skills training:__ Your ideal long-term solution is to earn higher wages. Multiple research studies show that higher education leads to higher wages and productivity. Tuition reimbursement programs or creating time for you to participate in free online education will allow you to work toward a permanent increase in income. [Coursera](https://www.coursera.org/), [Udemy](https://www.udemy.com/), [Edx](https://www.edx.org/), and [lynda.com](https://www.lynda.com/) can give you skills you need to compete for the long term.

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