Biddable YCH's could be a good idea, or character adopts using that method might also work well. both are simpler to do and can be produced in bunches.

The sketch commissions if they are easy for you to complete may also be a good route to stick with and you could advertise them once a week or two to remind people "you like my art here's a cheap easy way to get some" , along with adding the option to revisit the sketches for an extra fee later to make them a full piece.

Finally you could try free for all commissions where you are willing to step out of your comfort zone and make something you do not normally do at a steeper price, with in reason of course the last thing I want is for you to put yourself in a situation you are not alright with, or making things that upset you.

These are just a few ideas off my head hopefully other folks can think of some more.

Last half of the year my adopts didn't sell so I don't have much hopes for that. I don't think im able to do anything big so idk what to do with ychs
I tried porny sketches as mix of your ideas of free themed stuff and sketches, if i get 14of them it will help me to raise form half to full sum of my debt and don't burn out.But I'm... Not sure they will work. Porn theme is pleasant for me now and i have big hopes for this sketches now.But people buy presents, they probably don't have much left on porn this time of the year ._.

That is sadly true the holiday season does tend to bite into x rated art funds ^^; as for adopts it might not hurt to try again maybe with simpler designs than last time since I think the old ones were a little complex but I may be misremembering things.

If you have a Reddit, there's actually a few good subreddits designed entirely for situations like this that can provide some real help. I'd need to dig out the links again but this also might be one of the better times to try going for it, as it's the season of giving after all.

I want to earn my money, it's very uncomfortable to just take them while I can work, even if it's only sketches I mostly do T_T

Fair, I'm just also saying that if it's more than you can work for in this hellscape economy, than it's something to consider.

You're right

Maybe payment by installments is an option, doing it myself atm for a car repair.

Explain please? :0

Ehh difficult for me to explain not a nativ englsh speaker, hmmm

Like a credit, smaller or bigger rates every month, if its only one bill maybe you can ask for that, if its more then one its probably impossible. hm asking if you simply can pay the money back in smaller rates over a few more month but maybe you already asked something like that, you said within one month, well I guess my idea is not very helpfull, sorry.

I can do that, but as I continue going on therapy, the sum is growing. I gust want to return what I owe for the half of the year while I can

So lets say the therapy hour would cost like 230 you have to at least pay 235 a month or even more to keep the sum from not growing IF they dont take a pay tax. Its an option, its not a nice option but you can try to pay the money back like that even if it takes a year or two. I know its not easy to earn that much extra money in one month but a bit more likely then the sum you would like to pay. Its the only way I can think of without asking anyone else to lend you this much or selling stuff you probaly like.

Thats fair point >_>
well, I'll try to earn at least some? for maybe two months instead of half of the year >_>

Its up to you how you do it, you need to at least earn that much so it wont grow more or maybe even becomes a bit less but you NEED a steady income of money you dont need for living and thats the point. :/

Steady income is hard T.T russia studio work is really awful. Commissions been the only comfortable way for me so far :/c

And there probably explodes my idear, I thought your us becouse you said usd (ok its probably not very easy as well). my bad sorry I like to forget that usd are a good way to trade worldwide. Thats when you only use euros in my case, tend to forget that I am old lol. T_T