The one thing that will have the most impact on your debt relief effort is increasing your income. Start by selling items in your home that are no longer used. Some people will go as far as getting rid of a car they are making a payment on and buying a used one with cash. Increasing your income by turning a hobby into a business or marketing a skill that you already have is an option for increasing your income. Some people choose to work overtime at the job they already have. Doing whatever it takes to make the extra money will expedited your debt repayment.