I hope this doesn't come across the wrong way, but here goes.
I heard someone (Suze maybe?) say that unless you deal with why you're in debt, throwing more money at the situation won't help. Of course, I didn't know this when I was throwing myself into one part-time job after another - think pharmacy tech at a hospital, asst mgr at a bath and body works and finally... as a waitress/bartender. I finally 'got it' when I realized I could live off of my tips pretty easily. My debit card was able to go dormant for a long time. I lived with the idea that if I didn't have the cash, I didn't get to buy it. This was tough for me in the beginning because I drive about 400 miles a week between jobs and work. So my first priority was GAS. While waitressing isn't an exact science, I could generally expect to come home with 10-15 dollars an hour on average. Going with a low number, I assumed 10 an hour at between 12 and 16 hours a week and I was in good shape. There were times when I had 300-400 in cash in my wallet and thinking WOW, that's a lot of money! But when I broke it down into two payments on a CC each month that woke me up. I worked REALLY hard for that money and yet it would just go to 'the man'.
So -- my vote? PT job. If nothing else it keeps you busy and keeps you from spending -- as long as you work in a place where you can't turn around and spend the money!
