What is your most pressing financial concern, and how are you addressing it?

To help pay our school loans and car payments, my husband and I each run businesses on the side that allow us to explore our interests — photography, painting, baking, and writing. Income from these pursuits goes directly toward bills. This way we are getting paid to do what we love and we have extra money on hand to indulge in other ways.

This tip comes from Real Simple reader Courtney Brewer, Little Rock, Arkansas.