Whether you are trying to pay off debts, save up for something specific, or just want to have more disposable income, there may be points in your life when you need to earn extra money. You could get a second part-time job, but these can be hard to come by and time-consuming. You might have trouble fitting them around your regular job or other obligations. However, there are plenty of other options depending on your skills and interests.

Spend Less Each Month

It’s not exactly a way to earn more money, but it has the same outcome. You may be able to pay yourself by taking a longer time to pay back your student loans. This would mean lowering your monthly payment into a new loan while saving more in the long run in interest than your current loan or loans. However, assuming that your income will increase over the years, you may be able to pay off the loans much sooner even if you take this option by making additional payments.

Sell Items You Own or Make

From books to clothes to furniture to movies and more, there are many opportunities to sell items you no longer have any use for. Depending on how much time you have and your comfort levels, you might want to sell online, at a yard sale or on consignment in a shop. You might think that you have nothing of value, but take a look online and offline. You’d be surprised what people will pay for.

Have you always enjoyed knitting, woodworking, painting or even growing vegetables? You might be able to sell your creations. Be sure to take both the cost of materials and labor into account when you set your prices. There are places online specifically set up to sell handmade things, but you might also look into local markets, shops and craft fairs.

Try Out the Gig Economy

If you have a knack for teaching or organizing, you could get work as an online tutor or virtual assistant. There are opportunities online for writers and editors and for just about any other kind of skill as well. Even if you think of yourself as not possessing unique special skills, you might be surprised at what some will pay you to do, from putting together ready-to-assemble furniture to doing yard work to running errands and more. If you own a vehicle, there are various driving and delivery opportunities. An advantage of the gig economy is that it doesn’t require the commitment of a full-time job, so you can pick up extra money when you need it and focus on other things when you are too busy.

Explore the World of Cryptocurrency

You may want to look into investing in cryptocurrency. Cryptocurrency has become much more mainstream in recent years, and you can make an investment without spending hours of your time mining. You do need to do your research, and that starts with finding a reputable exchange. You should also make sure that you keep careful records of where your investment is stored and how to access it.