I agree that we need to take action instead of waiting. It comes down to which is more work (and stress): trying to build an extra $250 from additional income stream or cutting back on the things that make you comfortable. There's a limit to how much most people are willing to cut back, but bumping up your take home pay reduces the amount we need to deprive ourselves. And the best way to increase pay is to get paid for something you're good at.

Also, what are the green underlined words? They just disappear when I hover over them.