Your problem is one that has challenged many people. As you said there are two aspects to balancing a budget, reducing expenses or increasing income. And you state that you have done all the cost-cutting that you can find. Looking at ways to increase your income is a good way to balance your budget.
How big is your problem? Do you need to find another $100/month, or do you need $1000/month? There are many part-time jobs you could obtain (fast food, retail, grocery), you could obtain a sales-job (cars, real estate, even working for a recruiting firm) where you could connect buyers and sellers. If your need is $100/month, a part-time job on weekends would fill the gap.
- Part time job - retail, fast food, grocery
- Virtual assistant, concierge service
- Can your girlfriend do errands for others?
- Can your girlfriend (babysit) watch a neighbor kid for hire?
- Rent out a room, or a basement to a friend
- Bird dog for recruiters, real estate
When I was trying to solve my budget problems a few years ago, I thought that I needed to increase my income. And I did increase my income. But then I realized that my expenses were too high. And I re-evaluated my priorities. I challenge you to revisit your expenses. Often we assume that we need things that we really cannot afford. Consider a few of your (possible) expenses,
- Can you sell your car, and buy a cheaper car?
- Can you cut your home phone, cellphone, or cable bills?
- Can you cut your utilities?
- can you save money on groceries?
- Can you share a house/apartment with friends?
- Can you carpool?
- How much debt do you have?
- How much do you spend on restaurants?
My problems included mortgage debt, auto loans, high utilities, high car insurance, too much spending on kids activities, and a few other problems.
- Cut car insurance from $252/month to $149/month, $103/month
- Switched home phone+internet from $85/month to $52/month, $33/month
- Switched gas provider to save about $100/month, $100/month
- Traded a van ($482/month) for a sedan ($253/month), $129/month
- Shared terrace apartment with friends, $400/month
- Lowered thermostat, installed compact flouresent & LED bulbs, $50-100/month
- Paid off car (with tax refund), $397/month
- Stopped going out to lunch, $200/month
- Eliminated second mortgage, $800/month