You have decided to make a huge change.  You have decided to quit spending more than you earn.  You look at your spending plan.  You add up your payments, and bills, then add up the income-and damn- your extra money- to put against your debt-there is NONE!!!!!

What can “Millionaire Nurses do, to break through the log-jam and make progress?

We have discussed this a few times:

• Sell stuff-yard sale, e-Bay, consignment-to raise money
• Getting rid of some of your payments-use cash raised above to add to the sales price of that 4 wheeler to pay off the note-one more payment gone-Cha-Ching!!!!  (Substitute boat, big screen, Harley or whatever toy you are making payments on.)
• Earn extra money!

EARNING  EXTRA MONEY

Earning extra money–let me go talk to the boss, for a raise-well, that does work sometime, but let’s just pretend you are still in nursing school-( I know, what a nightmare!).     What can you do?

• Tutor your friends, especially if you are strong in a certain subject like Anatomy, or Chemistry.  Put up a sign on the bulletin board at school, advertise on Craigs’ List.  See what the going hourly rate is.  Just make sure you don’t get carried away and have it hurt your progress to your degree.
• Car pool-pick up others, and have them pay towards gas and car maintenance.
• Get a room-mate or rent out a room or couch- if you have one.
• Start a blog, and monetize it-if you can write, and are creative.
• If you are a savy-social networking expert, (spend too much time on facebook) advertise your services to old people like me to help them set up their page, teach them to post.  They will pay you, and probably feed you, mother you, and you never know, you might find a mentor.

OK, so you are working as a nurse, and no your boss says, no raises this year.  What can you do?

• You, too, can tutor nursing students.
• Work extra shifts, and over-time.
• you too, can rent out one of your rooms-maybe to a nursing student-be a landlord and a mentor!!!!
• Carpool to work-to share expenses.
• Second job-either in nursing, or in your hobby area-catering on the weekend if you like to cook and you work weekdays.  Find a “temp” agency, and get on their list.

Now, I think you get the picture.  Get creative.  Let nothing be sacred.  Get after your debt.  Remember, as you pay down your debts, you will have more money to put against the remaining bills, so the process speeds up-unless your “spending demon” awakes from the dead!

Then, when you are finished knocking the debt off, you will remember how hard you worked, and

never go there again.

Tell us your stories or ways you have earned extra money-legal or illegal-(JUST KIDDING!!!).