by Yasawaii Saadiq, founder of Third Eye Nubians
Introduction:
You’ve confronted your debt. You’ve built your plan. But here’s the truth: you can only cut expenses so far. At some point, the real breakthrough happens when you increase your income. Part 3 is about turning your skills, time, and resources into more cash flow—and using it as rocket fuel for your debt-free journey.
Step 1: Audit Your Skills
Ask yourself:
- What do people ask me for help with?
- What do I do better than most?
- What do I enjoy that others find difficult?
Your skills are currency. Whether it’s tutoring, graphic design, hair braiding, carpentry, or organizing closets—there’s someone willing to pay for it.
Step 2: Trade Time for Temporary Gain
You don’t have to commit forever, just for this season of discipline. Ideas to boost cash quickly:
- Weekend gig work (Uber, DoorDash, TaskRabbit)
- Part-time evening job
- Freelancing or side hustle on Fiverr/Upwork
- Renting out space or assets you own (car, room, camera gear)
Goal: Put all extra earnings directly into your debt snowball or avalanche.
Step 3: Build Something Sustainable
Don’t just chase dollars—build systems. Start learning a skill that pays long term:
- Coding
- E-commerce
- Content creation
- Affiliate marketing
- Real estate or investing knowledge
You don’t need to be perfect. You just need to be persistent.
Mindset Shift: From Surviving to Thriving
Getting out of debt isn’t just subtraction—it’s multiplication. It’s proof that you have the power to reshape your financial reality. You’re not just working hard; you’re working smart. That’s how wealth starts.
Closing Message:
You are not broke. You are pre-wealth. The more value you create, the faster you erase what’s holding you back. In Part 4, we’ll talk about staying motivated, avoiding setbacks, and celebrating milestones along the way.