I really don't like debt. DH and I have been through our share of processed food and crappy apartments in an effort to avoid debt. But sometimes you can't avoid it. And sometimes you can (I guess I could have waited a few more months to paint those walls), but the point is, that once your money is on the credit card, you have to pay it back somehow.
Frankly, I'm tired of the typical budgeting tips. Sometimes, there aren't a lot of places to cut back, and the tired old advice to cancel your maid service or your expensive cable package just doesn't apply to us.
Right now, I'm more interested in how to make a little extra cash on the side. I think the question of how to do that is probably different for everyone. If you're home during the day, maybe you can babysit. If needles don't make you gag, you can meet many poverty-stricken students in line while you donate plasma. You can cash in your investments, assuming you have some, scour the house for spare change, take a temporary job, or sell some things. You could start your own small business.
Personally, I think I'm going to hock my writing skills some more this year. Freelancing has paid down my credit cards in the past, and if I'm diligent enough, I can make some money with it again.
Do you have a way to raise money when you're needing some extra cash?