People usually need a tangible reason to add more effort to their lives. That is unless you are one of those folks that doesn’t have much motivation and are happy with whatever you have. Your day job income seems sufficient and that is all that is necessary at this point.
So maybe someday you realize that something essential to your life is not immortal. Maybe you notice how many miles are on your car or how the tires are starting to look dangerous. Hopefully this will motivate you to realize that you could use some extra money. Actually in the case of your safety it is way more than ‘could’ use. You need to do something as soon as possible to protect yourself and your family.
If you have any credit you can use in an emergency, that can be ideal. However credit is far from a perfect solution. This is because you not only have to pay the money back but you will pay interest which will make whatever it is much more expensive if you just make the minimum payment. You can mitigate this situation by paying more than the minimum payment due but this doesn’t seem practical since you are already stretched making the minimum payment in an emergency situation.
As with most things it is better to be prepared in advance. This would mean you have a savings account or some kind of a ‘buffer zone’ where you can turn when something unexpected arises that could not and should not be ignored. Problem is you are not prepared. The answer is to get prepared as soon as you can. One way to do that is to start a part-time home business where you put all of the income earned from that into a savings account.
Believe it or not it is very easy and inexpensive to build an online business. Do a little research searching with terms such as ‘home business’ or ‘work at home’ and you will see some business opportunities that it would be simple to start. You will likely spend a small amount of money on membership fees or advertising, but if you look at this logically it is much more productive than putting that same little small change into a piggy bank; it has a chance to produce more putting it to work in a business.