Side gigs vs. day jobs
If you’re in debt — especially if you’re in significant debt — frugality will only get you so far. To really make a dent, you have to increase your income.
The option recommended most frequently on personal finance blogs I have read is freelancing or consulting on the side. Another option is a second job (usually hourly work of some kind).
However, side jobs aren’t always the most effective way to increase your income. Freelance work is often sporadic and part-time/hourly work doesn’t typically pay all that well. Time and mental energy are finite resources. Focusing too much on your side gig(s) may come at the cost of your career or interfere with your balance between time and money.