cut back on things. don't go out as much, eat in more, do you live alone? get a roommate, do you have a cell phone and home phone? if so choose only one. do you smoke? quit and there's an extra $100mo. can you freelance any work? or know somewhere you can ocasionaly work part time? try some of the things and you'll probably come up with a few of your own... $255 a month isn't that hard to come by if you work at it.