It’s like losing weight, you either eat less or exercise more. If you’re down to bread and water, it really doesn’t help to read another article about how eating celery can help you lose weight. At some point, you need to start reading about working out. Let this be your article on working out your wallet and bringing in a few extra dollars.

1. Work overtime: If you have the opportunity, consider working some overtime at your current job. Some places offer it, some places don’t. If yours does, ask your boss if there’s some extra work you can do.

2. Return stuff you bought but never used: Just the other day I returned some bottles of contact lens solution to Costco because my eye doctor recommended I use a different solution. Rather than try to sell these unused bottles, I simply returned them. Do you have anything around the house that you bought and still haven’t used? You may be able to return them and get all of your money back.