If I was starving and desperate from money I'd get off the internet and work more
When you're a day job working personality you won't get that leisure time to spend on internet to earn more. I personally borrow to compensate the need and after that used to do additional work to pay the interest for the borrowed amount.
We actually get in desperate need of money if we do not prepare for that certain possibilities in life, we need to save for the future but we cannot save if we do not have a good amount of income. The first thing we have to improve is our earning, we have to increase it by doing every opportunity that will generate money, if we are just working, we should not be focus with on job only, let us utilize our time effectively.