Times are tough! The job market is tight, and raises are slim to none for many of us. The good news is there are some creative ways you can earn supplemental income or land your next full time gig.

Straight Talk on Debt: Times are Tough but so are You! This week's reading has some great ideas to spark your imagination and maybe just maybe by the time the holidays roll around you will have banked some extra cash to pay down your debt without having to resort to drastic measures.

Your Career

  • Ideas for Earning Extra Money  @FCN  "Skip the creepy ads for envelope stuffing and other get-rich-quick schemes in the newspaper, and instead check out these eight ways to earn some quick money without getting tied down in a regular job."
  • Could a Headhunter Help You Find a Job?  @bargainr  "It's tough out there, if you're a job seeker. With dozens - or even hundreds - of people vying for the same position, it becomes important to stand out. Indeed, with some predicting a double-dip recession, and with companies slow to hire, the job market is a tricky place to be right now."
  • Mystery Shopping for Extra Money: One Shopper's Experiences  @TheFamilyCEO  "There are many different mystery shopping companies out there.  If you're interested in mystery shopping, you just need to find the ones that are most active in your area.  It doesn't cost anything to register with legitimate mystery shopping sites, so just keep searching until you find one (or a couple) that you like, and really work well for you."
  • How My Friend Landed a Dream Job on Facebook & How You Can Do it  @studenomics  "You can actually use Facebook to land a killer job. Yes it's true and I suggest that you continue reading if you want to learn more about this." 

Your Money

Your Debt

  • Pay Day Loans are for Lazy People...Do This Instead!  @enemyofdebt  "People will tell you that getting a loan of this nature is necessary because they need to pay their rent or mortgage, keep their utility services from getting shut off, or because they desperately need to put food on the table. These are all real needs that should be addressed but there are better solutions and alternatives to pay day loans."
  • Can't Pay All Your Bills? Now What?  @SoOverDebt  "Some of you won't know what I'm talking about because you've never been there. And that's wonderful! But others may know all too well what I mean. You get out your stack of bills, add them up, and try to figure out how in the world you're going to cover everything. Or you have enough money to make all your payments, but not enough for food and gas until you get paid again. It's a miserable, depressing feeling."
  • How Long Does Bankruptcy Stay On Your Credit Report?  @kyleAAA  "Declaring bankruptcy isn't nearly as taboo as it was even just 5 years ago. Still, it's not something to be taken lightly as there are still serious implications for your credit score. You may find yourself unable to get a decent rate on a home or auto loan, if you can get a loan at all. Furthermore, with so many employers these days checking credit scores as part of the hiring process (one in six, according to the Wall Street Journal's The Wallet blog), bankruptcy could cost you more than just a few hundred dollars in extra interest charges." 

Suzanne CramerSuzanne Cramer

Suzanne is a certified credit counselor and a Social Media Specialist for CareOne Debt Relief Services. Suzanne writes for Divorce, Debt and Finances and A Straight Talk on Debt. Follow Suzanne on Twitter @ADivorcedMom  and @AskCareOne where she shares her insights on divorce and managing your finances.