Here's a news flash, baby ... I believe in selling out if it means getting out of debt. For some of you joes and jills, that might mean getting a second job. It ain't fun, but it's not supposed to be. It's supposed to be the way you pay off debt. I've known plenty of people that took a second job throwing pizzas or papers, and once they deep-sixed their debt, they said it was like pulling 10 pounds of smiles out of a 5 pound bag.

When I first started listening to The Dave Ramsey Show, I learned how to make a budget. Once I saw that I needed some extra cash, I bit the bullet and took on a second job. One of the best things I ever did, baby. Nothing like knowing that you're putting extra dough toward making the creditors shut up. It's worth it and then some ... the sooner you start, the sooner you get there.