<prompt> Human: About a month ago I posted on here about the 2nd job I took at a restaurant in an attempt to pay down my debt credit cards. I received several messages from people considering doing the same thing asking me to update them how its working out.Here is the original post.For those too lazy to read it..Im 25 years old, and my full time job is as an Analyst for a Private Equity firm, making 40K base 8k bonus split up into monthly payments. Ive been working for the company nearly 2 years now, and still havent received any raise. I had about 55,000 in debt, maxed out all my credit cards, with payments that were pretty much causing me to overdraft my account every month. FICO was 640 as of the date of the original posting. So, I decided to take up a 2nd job as a bus boy at a nearby restaurant for supplementary income...bumping my work week to around 85 hours.Well, 1.5 months in, and financially Im definitely in a better place. Physicallyemotionally...its a mixed bag. During the week I generally work at the office from around 9:30am - 6:30pm. I work at the restaurant Friday - Sunday. My schedule there usually starts with running home from the office Friday night, getting changed, and heading right to the restaurant without pause. I work there till around 3am. Saturdays I have to come in to open at 9:30am, and do a double shift until around 1am. Then I work Sunday Brunch from 9:30am to around 5pm. Sunday nights are really my only time off.Besides the 2nd job, Ive taken some other actions to better manage my budget each month.- I put my low-interest Federal Consolidated Loan on temporary forebearance. My goal is to pay off my high interest CCs first, so deferring my loan leaves me an extra several hundred in cash to put towards my high interest credit cards.- I got a new quote on car insurance which cuts my payment down around 85 a month.- I have a few late payment hits on my credit score due to bounced transactions. So I came up with the idea to take all of my accounts off auto-debit, wait several months, and then try to negotiate with the card companies to remove the late payments from my history in exchange for turning on auto withdrawl.- Im working on paying off my lowest interest card first as soon as possible, which offers a 0 APR balance transfer for the first year Im then going to transfer the balance on my highest interest card, so that I can pay it down with no additional interest over the next year. - I reworked my budget, changed the due date on some of my bills so that the expenses are now split more evenly between the first and second halves of the month. This makes it easier on my bank account between paychecks.So, heres how its working out so far.The Pros: Im pulling in about an extra 250 a weekend. About 100-120 in cash tips. The rest goes on a bi weekly paycheck. I get paid from my full time job bi weekly as well, and they are staggered so that Im receiving a paycheck from one or the other every week. Always having cash in my pocket without having to hit the ATM is pretty awesome too. Between the extra income, loan forbearance, I managed to put roughly 1500 extra towards debt payments last month. FICO as of January 21st has jumped 25 points to 665. I havent come close to overdrafting the account since starting, am finally not stressed out about money. Even able to save some towards a vacation sometime this year. Working weekends has dramatically cut down on my spending money at barsrestaurants, since Im not really going out anymore. I also receive several free meals from the restaurant every weekend. I have some job security, knowing if I get laid off from my main job for whatever reason, I at least will be able to eat. Im getting pretty damn strong from lifting tables bus bins for 8 -18 hours - 3 days straightCons: Being a bus boy at a busy, high-end restaurant is tough work. Its a lot of heavy lifting, running around, and pretty much all other staff from managers, to chefs, to the servers shit on you. I wake up every day in moderate pain from my herniated disc. I was told when I started working that Id be able to get promoted to a different position, but so far I havent been offered anything. My schedule is pretty insane on the weekends. I dont have time to do really anything else but work, and catch a few hours of sleep. Its mentally exhausting. Some of my relationships with friends have also suffered since I cant really hang out with them much anymore. My sleep schedule is completely fucked. By monday Im pretty much mentally and physically exhausted. Oddly enough, I have began to view the regular work week as my new weekend, since the hours arent nearly as strenuous. Sometimes I feel like a zombie, whose only purpose is work. Anecdotally, its hard for me to relate to many fellow employees at the restaurant, and feel kind of like an outsider there. Most of them know this is just a second job for me, and probably resent me some for that. Some of the older employees have worked there over 13 years...theres not much I have in common with them from a careerlife aspiration standpoint. Here I am a 25 year old bus boy probably making more than my own managers. I dont feel like many of them like me too much. But then again, maybe thats in part due to my social anxiety disorder. So in summary, I think doing this is the right move, and is helping me dig myself out of the hole, but I definitely wont be able to do it for too long. I figure Ill be able to stick it out about 6 months to a year, and hopefully will be in a much more comfortable place financially by then assuming I havent lost my mind. Ive calculated that I should at least be able to pay off all of my credit cards, and take a good chunk out of my private higher-interest student loans...and even take a vacation or two abroad to save my mental sanity.Ask me any questions if youre curious.Edit There seems to be a lot of confusion about my salary in this position. Its not a traditional PE shop that youre thinking, and its very different from the typical NYC investment banking Analyst position. Its a very small, active investment private placement firm. We are heavily involved in operational management support of our investments, and probably wont cash out on our first major buy for at least another 3 years. Were dealing with mostly buying franchise ADAs, recent start-ups. But its rapidly growing, and we expect well be doing about 100 million in asset revenue next year up from only 10 million last year. As for myself, I work in what would probably be considered a buy-side analyst role in back office. My title is Analyst, but I deal heavily in operations of our existing businesses, not just new ventures. Im working under the CFO one of four managing partners. If I can bring in money, Ill get a cut of the deal. However, at this point, I agree, I should be making more.Also should note, a 48K salary in my city is comparable to a 85k salary in New York City when factoring in costs of livingtaxes. Assistant: Keep it up. Ive worked a few 80 hours weeks recently and it is not easy. What is the endgame here? Is there a light on the horizon when you will be happy with your debt and youll stop working at this second job?Human: Thanks. The endgame is to pay off 100 of my high interest credit cards, at least one of my higher interest private student loans, or as much as I can before I cant take it anymore. Assistant: Yeah, I feel that, just dont kill yourself on the student loans. The CC debt being gone will feel great. The student loans will be there for a long time, but you do make good money at your primary job. Im confident you can find wiggle room in your budget to throw an extra 100 per month at the student loans without having 2 jobs. At some point time is more valuable than money, and youll reach it soon. Maybe you can leavethe restaurant on good terms with the possibility of going back if the student loans start weighing on you.Human: Well right now, between my regular credit cards, a couple of store financed purchases, and a pretty large medical bill for surgery on my dog which I had to pay for with special vet credit... about 300month is going towards mandatory high interest debt payments right now.Once I pay those off which is my main goal, Ill be able to put all of that money towards my loans going forward, so should be smooth sailing if all goes to plan.I also am planning to try to negotiate for a raise at my real job...just waiting for the right moment.  <response>: Well then, good luck and dont kill yourself over it. Try to find places in your budget to cut the fat if possible, maybe you can just take sunday off after your worst debts are paid. I know how much it burns you out when working so many hours. An entire free day of nothing feels like heaven. Youll get there! 