There are two key fiscal factors to paying down debt quickly, thus freeing you to live a life you have seen in your dreams: cut expenses and generate more revenue. I think it is human nature to see a financial shortfall and immediately focus on making budget cuts. But often people forget about generating more income!
In my post about Television watching we learned that the average American will watch 15 years of tele if he or she lives to the age of 70. So this tells me that we have a tremendous amount of time on our hands; so why not do something productive?
There was a time that I worked my full-time job AND took on a part-time job at night to make a little extra money. It served two primary functions: 1. provided extra money, and 2. kept me from spending money. My favorite idea is to have garage sales or sell unused items from the house on EBay or Craigslist. Easy peasy, lemon squeezy!
Here are some ideas to spark your brain: