How to Get a Second Job to Pay Debt

Being in debt is never an enjoyable experience and it can have a negative impact on your emotional well-being. Even if you have a high-paying, full-time job, you may not be making enough money to pay your current bills while attempting to pay off your existing debt. Picking up a second job can increase your income and help you get out of debt faster. While working two jobs is extremely time-consuming, it is often one of the easiest and fastest ways to get yourself out of debt and your life back on track.

Instructions

1

Talk to your current employer to verify that your schedule is secure and that you will be working the same hours and days until further notice. Knowing that you have a stable work schedule at your first job will allow you to figure out what times you can work at a second job.

2

Apply for jobs at places that have hours of operation and shifts that coincide with the time you have open for working a second job. Turn in a resume with each application highlighting your skills, experience and qualifications. Some ideas for second jobs you may consider getting include delivering food, waiting tables, bartending, retail or tutoring.

3

Work the schedule at your second job around the schedule at your first job. Make sure that your new employer is aware that you do have another job that may conflict with scheduling you for certain days or times throughout the week. While you may need the money from your second job to pay off your debt, it is important that the schedule does not cause you to jeopardize your position at your first job.

4

Spend all of the money from your second job toward paying off your debt. While it may be exciting having extra money each month, it is essential that you do not lose sight of why you chose to get a second job in the first place. Spending the money made at your second job toward expenses that are not related to your debt can cause you to go even further into debt.

5

Save a portion of your income from your second job as you get closer to having all of your debt paid off or have paid it off in full. Saving this money will allow you to build a security net that will prevent you from falling behind and finding yourself in debt once again.

6

Quit your second job once you feel that you are completely caught up financially and no longer need to carry the burden of working two jobs.