<prompt> Human: I was horrific with money when I was in my early twenties: I spent money on things I needed and didnt need while struggling with mental health issues while barely surviving in London. This is not justification but it is back story. My parents supported me with money repeatedly, without complaint, they were diligent at recording what I borrowed. I owe them around 7,800 and pay them 120 a month for now - so 4-5 years to repay. I want to pay this off much faster, in part to repay their kindness, so I can focus on getting a mortgage and stop the guilt.I got a better job and earn 18,900 annually is it worth me getting a second job or will I be taxed so much it will not make it worth it?  <response>: No tax scheme works such that taking a second job and earning more leaves you with less money. If you have the time and energy to work a second job without neglecting your self care, and paying them back is a priority, getting another job is a great way to do that. 