Have you ever thought about a side hustle? A little something on the side that would not interfere with your regular job or home life, but would provide something extra to the budget so that you could use less credit or none at all. Perhaps you want to save for a holiday or new appliance, or to give yourself a spa treatment. What about dog walking, painting, house or pet sitting, tutoring, yard work, and even joining focus groups? With gift-giving season approaching, it would be great to have the funds ahead of time, and side hustles can help you avoid holiday debt. Doris Minervini, Abakhan & Associates Inc., Abakhan.com