Work Harder

Those of you who own your own job in some ways determine your own income. You have an option available to you that many others dont: working harder. That's it. That's all there is to it. Work harder. If you work more, you'll get paid more. You'll need to do this so that you bring in more money. More money is important. You are assumed to be living as frugally as possible right now, so the next step is to increase your income. For you, getting a second job is senseless (unless your job is restricted by hours), because you can just work more at the current job you own.

Going to College

A great way to earn more money is to go to college. Of course, if you've already been, you can go back for an additional or a higher degree. If you already have enormous amounts of schooling under your belt, such as a Doctoral degree, then it's probably not worth your while to get another job; perhaps you should find another method to increase your income. For the rest of us, more education will certainly help get a higher paying job. You need to get a higher paying job in order to increase the amount of cash available to you.