While the holidays are full of cheer and merriment there also full of debt building purchases no matter how hard you try to keep the spending at a minimum.
Three to four hours a week rakes in the money Nichole McCord needs to comfortably get gifts under the tree for her 9-year-old son.
"Times are hard and teachers, we don't make a lot, so we just try to think of creative ways to make money for the holidays and to give good gifts as well to others we love," said McCord
So when she's not in the classroom, McCord organizes catalog parties to sell "Oragami Owl" jewelry.
"Just last month I made over $400 off my commission, and that can help at Christmas time," said McCord.
Dozens of industries hire seasonal workers each year.
"I have some friends that work in the mall or at cupcake businesses, making things on the side," she said, all to make Christmas a little brighter.
Other seasonal job options include shipping companies like Fed-Ex and UPS. They hire an additional 20,000 people each holiday season to get packages delivered by Christmas.
Check with coffee shops and restaurants looking to beef up staff during the holidays. Tips are usually generous this time of year.
You can also put talents to good use by turning to sites like Etsy to sale your handiwork to a wide audience.