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10 Romantic & Inexpensive Gift Ideas for Your Girlfriend or Wife

Whether it’s an anniversary present or a Valentine’s Day gift, the expectations can be high even when your funds are low. If your bank account balance limits the amount you can spend on a gift, then jewelry and other pricey presents are out of the question. However, you can still salvage a romantic day without spending a ton.

Remember that it’s the thought that counts, and if you put your mind to it, giving a memorable gift can be done on a tight budget. Crafting might not be your forte, but there are a number of gift ideas that can be created by just about anyone.

Wallet-Friendly Gift Ideas for Her

While going the “homemade” route when choosing a gift saves you money, does your wife or girlfriend really need another mix CD? You can do better than that! Show her you really care by giving something thoughtful and unique.

1. Ace of Hearts

A deck of card costs, what? A buck at the dollar store? Although your first thought when looking at playing cards might be of poker with the guys, you can turn them into a romantic gift for your girl.

Break out the paper, markers, and glue and pick up a couple of key chain rings from the hardware store. Using an office hole puncher, punch two holes along one edge of each card at the exact same points.

Next, use the backs of the cards to write out things that you love about her. If the decorative design on the back of the cards is too distracting, write them or type the passages on a small piece of paper and glue them to each card. Think of 51 reasons and leave the final card for a sweet message or title. To make it extra special, trim photos to fit onto the faces and backs of the cards where there is space.

Finally, bind the cards together like a spiral-bound book by feeding the cards through the two key chain rings. Hello, $1 gift!

2. Hometown Tourism

If your girlfriend or wife has dreams of being whisked away on a romantic vacation, she’ll probably be disappointed when you present her with yet another bunch of grocery store roses.

Instead, make part of that dream come true by planning a “staycation” in your area. Look up your town or city’s tourism department to come up with activities and hot spots to check out over the course of two days. Book a hotel or bed and breakfast and surprise her with a quick, cheap getaway.

You’ll probably be surprised at what checking out local museums, listening to live music, and a dinner date will do to score you major props for thoughtfulness. Go on an impromptu vacation? Check.

3. Scrabble Love

Get your nerd on by giving your girl a sweet, thoughtful, and geeky gift. If you already have a game of Scrabble on hand, raid your own supply of tiles, or ask friends or family to donate a few letter tiles to the cause.

First, pick out the letters that spell out yours and your girlfriend’s names and purchase a cheap frame. Arrange the letters so that your names intersect – if your names don’t share any common letters, use a third word, like “LOVE,” to anchor them together. Next, use a bit of wood glue to affix the letters to the cardboard backing for the frame. Decorate the piece with photos, dried flowers, or other scrapbook-appropriate items. Place the glass on top, and if the fasteners on the back of the frame don’t fit over the letters, use strong tape or glue to hold the backing in place.

Voila! Now you have a wall hanging that your girl is proud to display and point out to her friends. Triple. Word. Score.

4. Homemade Chocolates

Those pay-by-the-ounce chocolates you buy at specialty shops are a complete waste of money when you can make them yourself. Even if you’re a complete stranger to a stove, you can still put together some homemade chocolate candies as a gift.

Start by laying classic-shaped or square crunchy mini pretzels on a baking sheet, then place one Rolo candy on top of each pretzel. Pop them in the oven (preheated to 350 degrees) for about five minutes, or until the chocolates begin to soften. Take them out of the oven and immediately press a whole pecan into each Rolo and allow to set.

The result? Totally awesome homemade chocolate treats.

5. Historical Tour

Every couple has a history. Unfortunately, a lot of guys don’t completely remember it!

Try digging into your memory bank to come up with four or five locations that are important to you as a couple: where you first met, where you went for your first date, or where you first kissed. It’s the perfect excuse to literally take a walk down memory lane.

Depending on the type of transportation you use, it could be free or very cheap, especially if you use nostalgia to blow off expensive restaurants. Remember that time you went to that amazing burger joint together?

6. Overnight Kit

For those of you who haven’t made the leap to living together yet, it’s likely that your girlfriend still probably stays over at your place from time to time. Instead of requiring her to bring an overnight bag, show her that you’re not a total “commitment-phobe” by putting together an overnight kit to keep in your bathroom.

Fill a basket or a makeup bag with the essentials, like a toothbrush, toothpaste, shampoo, deodorant, her other favorite toiletries, and perhaps even an apartment key. She’ll love that she has a permanent place in your bathroom cupboard. If the way to a man’s heart is through his stomach, the way to a woman’s heart is probably through prime cabinet real estate.

7. Date-of-the-Month Club

Sure, your bank account might be low this month, but if you plan on topping it off in the coming weeks, a date-of-the-month club “membership” shows that you put some thought into the perfect present.

Grab 12 document envelopes from the office supply store and think of 12 great date ideas. We’re talking beyond the standard dinner and a movie here, guys! List the details of each date on a separate piece of paper, insert one into each envelope, and present them to her sealed.

To add intrigue, only list the date, the location, and how she should dress. Write the date on the outside of the envelope so she knows when to open them – one for each month. She’ll love that you’ve planned 12 thoughtful dates, and you buy yourself some time to save up for each one.

8. Car Decor

Birthdays, Valentine’s Day, whatever – your lady expects the world. When it’s a special day, you need to start the day off right so she knows that you planned something. A message on her car is perfect if she’s the one who rolls out of bed and off to work each morning.

Use a window marker to decorate the windshield and windows on her car with cute, sweet messages – extra points for hearts and other designs. When she trudges out to her car, you’ll score points by giving a cheap gift that everyone can see all day long. Just be ready to help her clean it up!

9. Coupon Book

The coupon book isn’t exactly earth-shattering when it comes to creating unique gifts, but it can be completely romantic if you make the coupons as specific to your relationship as possible. A lame promise to “vacuum the living room” might draw a roll of the eyes, but a coupon for one no-whining trip to see a chick flick means more if your girlfriend or wife knows that you’re a die-hard action fan.

Think of some of the things you know irritate her, like leaving the toothpaste cap off, and offer a coupon for a full week of clean bathroom counters. It’s more heartfelt than the cheesy love coupons that you can buy.

10. Breakfast in Bed

Breakfast in bed is pretty standard, especially when you’re looking for gift ideas and are short on cash. But instead of doing the regular pancakes-and-bacon thing, use a love theme for the breakfast.

Grab a piece of bread and use a metal cookie cutter to cut a heart shape out of the bread. Then, pop it into a greased frying pan turned on medium-high heat and crack an egg into the heart-shaped hole. The result? A breakfast perfect for Valentine’s Day or an anniversary. Serve it up with some fruit and mimosas, and she’ll be thrilled.

Final Word

From a woman’s point of view, extravagant gifts are awesome, but we can always tell when they were hastily purchased at the last minute. However, you don’t need to drop huge sums of money to give a wonderful, heartfelt gift. Showing that you put extra thought into a present definitely scores high, so don’t let bank account shame stop you from making her feel special on a big day.

What are your best ideas for romantic gifts on the cheap? Have any of them totally backfired?

source

Best New Bank Account Promotions, Offers & Free Money

With many financial institutions experiencing a decrease in profits, banks are vying for your business. This is good news for you, because instead of just offering standard perks like no fees, free checking, or a free pen when you sign up for an account, some banks are raising the stakes with cold hard cash, giveaways, and great interest-bearing products.

July is a good month for bank promotions from both big and small banks. Banks are giving away a lot of free cash to attract new customers and get them to open up accounts. The banks listed below have some pretty sweet deals that you should take advantage of if you are in the market for a new bank.

Don’t want to miss out? Here are the best bank promotions for the month of July.

Top Bank Account Promotions (July 2013)

1. Capital One 360 – $50 Bonus

Formerly known as ING Direct, Capital One 360 is continuing the $50 bonus promotion. Open a 360 checking account and make three debit card purchases or three Person2Person payments (or any combination of the two) within 45 days of opening your account. You’ll receive a $50 bonus, deposited into your account on day 50.

2. PerkStreet Financial – Up to 2% Cash Back on Purchases

Open a checking account with PerkStreet Financial and you’ll receive a PerkStreet Platinum Debit MasterCard that can actually earn you cash back. You can earn 2% cash back at stores such as Walmart, Best Buy, and Target, and 1% cash back on all non-PIN purchases everywhere else. The account comes with free online bill pay, free checks, and free electronic money transfers. You can also use your debit card at over 40,000 ATMs across the country free of charge.

3. First Trade Union Bank – $100 Bonus

Open a new First Trade checking account between now and December 31, 2013 ($100 minimum opening deposit required). Set up direct deposit and First Trade will deposit $10 into your account for each of the next five months, as long as a qualifying direct deposit is received in each of those months.

Use First Trade’s new mobile app, FT Pay, at a participating LevelUp merchant, and if you’re eligible to receive a discount on goods or services, First Trade will match that discount, up to $25. Then open a First Trade high-yield savings account by June 30, 2014 ($10 minimum opening deposit required). Send your savings earned from the FT Pay app transactions to your savings account, and First Trade will also match the first $25.

4. PNC Bank – $150 Bonus

Open a personal checking account with PNC Bank by July 27, 2013. Then set up direct deposit and make one payment through PNC’s Online Bill Pay within 60 days. After $2,000 worth of direct deposits are received, you’ll get a $150 bonus deposited into your account within the following 60 days. You can open the account online or have a coupon sent to you via email which you can use to open the account at any PNC branch. This offer is limited to residents of the following states: AL, DC, DE, FL, GA, IL, IN, KY, MD, MI, MO, NC, NJ, OH, PA, SC, VA and WI.

5. Salem Five Bank – $100 Visa Gift Card

Open up a checking account with Salem Five Bank and you can receive a $100 Visa reward card by completing any one of the following three requirements: set up direct deposit and complete two deposits of more than $250, make six online bill payments of more than $25, or make 20 debit card transactions of more than $5. The requirement you choose must be met within 60 days of account opening. Once the requirement is met, you’ll receive your reward card with 4-6 weeks.

6. BankDirect – AAdvantage Miles

Open a BankDirect Mileage Checking Account and earn American Airlines AAdvantage miles. You’ll receive 1,000 miles just for opening an account, 5,000 miles for initiating direct deposit, 2,000 miles for using BankDirect’s bill pay service for one year, and 1,000 miles for referring a friend. There are other ways to earn miles as well, and some restrictions apply. Be sure to investigate the offer thoroughly for full program details.

7. Citizens Bank – $1,000 Bonus for College Savings

Citizens Bank is currently offering a $1,000 bonus for those who sign up for aCollegeSaver savings account, an easy, manageable savings plan that will help your meet your college savings needs. It is an interest bearing account, and if you open it before your child’s twelfth birthday and save the monthly minimum amount every year, you’ll receive a $1,000 bonus when your child turns 18. Opening an account earlier than when your child turns twelve will only increase the savings.

8. U.S. Bank – $100 Bonus

If you enroll in U.S. Bank’s S.T.A.R.T. savings program, you could earn up to $100 in bonuses. You would need to open both a Package Checking account ($50 minimum opening deposit) and a Package Money Market Savings account ($25 minimum opening deposit). Set up recurring transfers from the checking to the money market account, and when you reach $1,000, you’ll get a $50 Rewards Visa card. Keep your balance at $1,000 or more for one year, and you’ll receive another $50 card.

Final Word

When choosing a bank, it’s important to find one that suits your needs – whether that’s favorable interest-bearing accounts, no fees, or free checking. It’s also a big bonus when you can get great perks along with good banking. Be on the lookout for and take advantage of freebies like cash and giveaways, and your banking experience will be all the more pleasurable.

Which bank promotions will you be taking advantage of this month?

source: http://www.moneycrashers.com/best-new-bank-account-promotions-offers-free-money/

How to Start an Online Business & Make Money in a Down Economy

My sister Stephanie Storm-Robertson may have been fired due to the recession, but she’s definitely not a victim of the economy. In 2009, her 22-year climb up the corporate ladder came to a stop when she was laid off from her position as an executive at Eddie Bauer.

She oversaw $250 million worth of women’s apparel inventory in more than 500 Eddie Bauer retail stores. But when the economy tanked, the company needed to cut costs. Getting rid of Stephanie and her six-figure salary was one way to do that.

Stephanie could have sulked. She could have rested on her savings account. Instead, she decided to start an Internet-based company. There are many great reasons to start a business, and getting laid off is one of them.

A couple of years earlier while shopping for my bachelorette party, Stephanie felt she could do a better job than the majority of online party supply retailers. So when she suddenly found herself with time on her hands and an income to replace, she decided the moment had come to launchTheHouseofBachelorette.com.

Two years after launching, The House of Bachelorette has four employees and earns $500,000 in annual sales. If you find yourself in a similar situation – either unemployed or underemployed – here are some step-by-step tips to start your online business and make money from home.

Develop a Concept You Love

More people than ever are now starting their own business, and the secret to success is making it all about what you love. All business owners know that getting a company going initially requires long hours with little pay. So if a paycheck is your primary motivation, chances are you won’t last long enough to reap the benefits of all your hard work.

You have to love what you’re doing in order to survive the first few “dry” months, or even years. Plus, if you choose something you’re passionate about, your dedication will shine through to customers, who will see you and your brand as trustworthy and reliable.

Ask Those You Trust for Feedback
Storm-Robertson suggests running your business idea by friends and family members: “Listen to their honest feedback, and don’t be afraid to tweak your idea.” But on the flip side, if you truly believe you’re onto something big, don’t let naysayers talk you out of it. Not everyone is wired like an entrepreneur.

Research the Competition
If you’re trying to jump into a market that’s already flooded with competition, make sure you can stand out. Look for at least 10 ways to beat the competition. For instance, can you sell a product at a lower price? Can you charge less for shipping? Can you offer enhanced customer service?

Better yet, find a niche that is being overlooked or under-marketed, and tailor your product or services accordingly. Saturated markets and the burden of too much competition are primary among the reasons why business startups fail.

Choose and Buy Your Domain Name

Choosing your online business’s web address is one of the most important decisions you’ll make when launching. Ideally, your new web address should:

• End in “.com,” which is the most popular choice
• Be easy to remember
• Be easy to spell
• Contain keywords that someone might use when searching for your product or service

If your first choice is already taken (and there’s a very good chance that it is), don’t be discouraged – be creative! Do not give in to the demands of a domain reseller or a URL squatter. Instead, focus on purchasing multiple addresses and saving money:

Buy Related URLsFor her first website, Storm-Robertson purchased five domain names, all of which direct traffic to her main site. Consider that your web address may be misspelled – if you buy the misspelled URL and redirect it accordingly, you won’t miss out on any traffic.

Use Coupons to Save MoneyDomain names are not typically expensive, but you can save even more money by searching for coupons. For instance, Go Daddy coupons are readily available, and they can save you 50% or more off the cost of your domain name registration. Purchasing your domain for multiple years can also result in an annual discount. Furthermore, some search engine optimization experts suggest that search engines like Google consider the amount of time for which a domain name is owned when ranking their results.

Become Your Biggest Asset

Storm-Robertson says one of the best things she did was educate herself to run a successful, efficient online business. She took community college courses in web design and Photoshop, and also took classes to learn how to utilize QuickBooks, a popular accounting software program for small businesses. Plus, she was able to write off all the costs as business expenses!

The more skills you can acquire, the more tasks you’ll be able to accomplish – and the less you’ll need to pay others. By educating herself, Storm-Robertson saved tens of thousands of dollars in just her first couple of years in business.

When your business starts to gain traction and profit, you can then hire employees or contractors to do certain tasks. This can streamline operations and it frees you up to focus more on growing your business. Moreover, if you hire someone proficient in QuickBooks to handle accounting and have experience in that program yourself, you can better evaluate whether or not the job is being done properly.

Prepare for Launch

Starting an online business can be done with just a small investment, as there are many affordableonline resources for small businesses. Research all-in-one e-commerce solutions like Volusion. For as little as $19 a month, you can have a customizable site that includes hosting fees. They’ll also help you along the way by providing customer support and video instruction.

Utilize Free Trials
Many of these e-commerce solutions offer customers a free trial period. Sign up and familiarize yourself with the product to ensure that it suits your new online business idea. This is a great way to avoid the costly mistake of choosing a service that you later deem to be unfit.

Set up Social Media Pages
Social media marketing is key. Facebook, Twitter, LinkedIn, and Google+ are all great, free ways for businesses to advertise and interact directly with consumers and clients. Invite everyone from your personal Facebook account to “like” your new business page. Update daily, and be creative with contests, coupon codes, and giveaways. Integrate your social media pages on your website so you have ample opportunities to interact with your customer base.

Use Low-Cost Marketing Methods
There are other low-cost ways to market your website beyond social media. Storm-Robertson’s secret to success was using Google AdWords to direct traffic to her site when she was first starting out. When starting out, your website will rarely show up at (or anywhere near) the top of the search results. Often, you’ll have to pay for a top position via advertising programs, such as Google AdWords. This can be a great way to boost traffic, and by increasing visitors to your site, you are likely to increase sales.

“Also, look for free listing and directory sites in your industry and create every free listing possible,” says Storm-Robertson. Don’t forget about free listing opportunities in online phone books either.

The House of Bachelorette also supplies bloggers with free products to review or give away in return for a link. This is an effective method to put your company’s products in front of fresh eyes without spending much money.

Think Towards the Future

When you are fired from your job, you realize that very few things in life are guaranteed – including a paycheck. Operating a small business is similar. Experiencing success at one point does not guarantee it for the future; similarly, just because business may be slow at first doesn’t mean it will always be slow. It’s important to be prepared for ups and downs, and to continue working to improve yourself and your business through thick and thin.

Have a Cushion
Many entrepreneurs say that when they start their online business, much of the initial income is put right back into the business to aid growth. Paychecks can be small or unpredictable, something that people working a nine-to-five job do not have to worry about.

My sister has always had a saver’s mentality – she had money in the bank that helped her pay the bills while growing her company. If your savings are not substantial, working a part-time job with health insurance benefits is an option to avoid taking on too much risk during the start-up phase. Run your online endeavor as a side business until the income it generates is substantial enough to support you full-time.

Rely on a Business Mentor
A business mentor is a great asset to anyone just starting out. It’s wonderful to have a trusted guide to help you through the process of starting your online business. Your mentor could be a family member or a friend who’s savvy in business, or it could be a stranger you’ve admired from afar. If no one comes to mind, you could even hire a business coach to serve as your mentor.

Final Word

Recession-proof jobs may be few and far between, but Stephanie Storm-Robertson’s story shows that there actually can be an upside to being the victim of corporate layoffs in a down economy. It may be a horrible feeling initially, but a layoff can be the source of motivation and inspiration that pushes you toward your dreams.

There are a number of affordable ways to start your online business, and so long as you remain motivated to learn more, improve your skills, and grow your company, you’re very likely to find success.

What additional tips can you offer to start and develop an online business?

source: http://www.moneycrashers.com/ways-make-money-from-home/

10 Best Ways to Make Money from Home (Legitimate)

With job postings still scarce, job security dissipating, and wages seemingly stagnant at best, many people are trying to establish some security by creating multiple streams of income. It’s a smart strategy, but if you have trouble leaving your home or primary position to get to a second job, you’ll find yourself frustrated and stressed out.

Perhaps you’re raising kids and you’re committed to not using daycare. Maybe you’re a little older and can’t commit to a full-time job. Or you might be injured or disabled, making it difficult for you to leave your home each day. Whatever your reason is, if you’re stuck at home most of the day, you’ve probably thought about the income you could be making by taking awork-from-home job or running your own business.

Good news: There are plenty of legitimate ways to earn extra money sitting right where you are right now. Some of them involve starting your own small business, while others mean working for someone else using your home as an office.

These endeavors aren’t without traps and challenges, though, so before we take a look at some legitimate ways to make money from your home, let’s review a few things that you should avoid. Unfortunately, if you want to earn an honest living from home, you’re also a common target of scammers, especially in these economically tough times. But if you keep these simple rules in mind, you won’t become a victim of one of the many work from home scams.

Money Scams to Avoid

1. Requests for Money

Sure, you might expect some legitimate costs to be associated with starting a new business, like business licenses, permits, materials, or even some advertising or marketing fees.

You should never have to pay someone for the privilege of selling their product for them, but that’s just what scammers tell their marks. They trick people into paying for worthless information about how to run a business or for substandard materials to use in creating a product.

Some scams might involve asking you to pay for a “training” book or CD that explains how to make money in a certain business. Others charge for supposedly “exclusive” products that you’re supposed to sell at a premium. Avoid both of these scenarios. Remember, you should never have to pay to get a job. And if someone asks you to, you can be sure that it’s a scam.

2. Get Rich Schemes

Get-rich-quick schemes get only one person rich: the schemer. Not you. Don’t be that con artist’s next victim. If you are willing to put in the time and effort, you will have the opportunity to build a viable business or become a trusted home worker in a great business.

But if you’re looking for easy money, you’ll likely just get stuck with a lot of bills and worthless information. When websites run promotions that promise that you’ll make thousands a week with no experience and very little time, you can bet your bottom dollar that they’ll be in your wallet before you can ask the first question.

3. Offers That Are Too Good to Be True

You might be desperate for work, but don’t necessarily jump at an opportunity that sounds too good to be true. In my article about common Craigslist scams, I wrote about fake employers who “hire” new employees, then “accidentally” send them too much pay. They’ll ask their victims to wire back the difference, but a few weeks later, when the bank discovers that the initial check is a fraud, the “employee” is on the hook for hundreds, sometimes even thousands of dollars. If a job offer sounds too good to be true, it probably is.

These three points may seem like common sense, but the truth is that the people who run these scams are very good at what they do. They’ve been able to deceive many intelligent people because they present their “opportunities” so well that almost anyone will believe them. When you’re looking for a new job or extra income, it’s easy to get lulled in to a comfort zone where they can take advantage of you. Keep your guard up – always.

10 Legitimate Ways to Make Money from Home

Now that we’ve talked about the things you should avoid, let’s look at a few real ways you can work from your home and make the extra cash that you and your family need.

1. Freelance Writing: Sell Your Words

I may as well start with something I know well. When I started out as a freelance writer 20 years ago, things were very different. I wrote mostly for magazines, and I had to rely on snail mail to send out drafts and queries. I’d wait weeks for a response from my editors. Not many people had the patience for it, and few stuck around long enough to ever start earning a real income from it.

But the Internet has changed everything. Today, you can decide to become a freelance writer and, if you’re fortunate, get an assignment that very same day. Obviously, the better your skills and training are, the better your projects and freelance writing rates will be.

Today’s freelance writers can choose from a variety of markets. You can write for magazines, either online or in print. You can blog by setting up your own site, or by writing for someone else’s. The market for new articles on the Internet is vast, and there’s plenty of work to go around.

Additionally, book publishers are always looking for the next big book. People need sales letters, white papers, website copy, and e-books. In other words, there’s an ocean of work to do, and if you’re an ambitious writer, you can dive in and profit.

If you want to work from home as a freelance writer, consider this checklist before you get started:

• Samples. You’ll need some samples before you can really begin marketing yourself. Figure out which market you want to approach first, and then find or create some related samples. For instance, if you want to try your hand at blogging, study some successful blogs, and then write a few posts of your own to use as samples. Do this for any and every market you’d want to write for.
• Tools. You don’t need much to work as a home-based freelance writer, but there are some tools that you must have. The most important will be your computer. Get the fastest Internet access that you can afford. It doesn’t matter what kind of computer you get. Just make sure you’re comfortable enough to spend a lot of time with it. Most clients will request that you submit your work as a Microsoft Word document, so make sure that whatever programs you use are compatible. In addition, because you’ll be spending so much time at the computer, make sure that you have a good work area with proper lighting. Some clients will want to be able to reach you by phone or Skype, so have both set up and accessible. You’ll need an invoicing program, such as Freshbooks, and a good bookkeeping system to keep track of sales, orders, and accounts receivables.
• Job Boards. When you’re first starting out, you’ll have to go looking for work, and the best place to do that is on one of the online job boards. Places like Guru, Elance, Freelancer, andoDesk are today’s writers’ best friends. They allow individuals and businesses to post projects, and freelancers to bid on them. Take a look around the sites, sign up for the free access in the beginning, and then begin to place bids on the projects that interest you. It will take some trial and error to find your groove, but once you do, the jobs will start to roll in.
• Persistence and Commitment. You’ll need to have a good amount of persistence while pursuing freelance writing gigs. This business is subjective, and while one person may love your writing, another may not. Do your best to always produce good, solid copy and hold on to your commitment to do the best you can for your clients. Just by committing to do those two things, you’ll be miles ahead of your competition.

2. Classes: Sell Your Knowledge

Another great way to earn money from your home office is to sell your skills or knowledge by teaching classes. For instance, if you’re an exercise guru, you might start an exercise class in a large spacious area in your home. People are willing to pay to learn about many fields of knowledge, from cooking and gardening to soap or candle making. Playing a musical instrument, child birthing, dancing, dog training, yoga, and even foreign languages are all great topics for expert classes.

The key is to make the class sound unique and irresistible. Don’t just teach a cooking class; come up with specialty cooking classes. You might teach a class on how to make artesian breads, or cinnamon rolls that rival Cinnabon. The possibilities are endless, and if you consistently offer educational and fun classes, you’ll have people signing up over and over again.

But being successful at hosting your own classes requires some serious planning and attention to detail. Here is an outline of the things you’ll have to consider:

• Your Idea. It’s not enough to say that you’re going to offer an exercise classes. The people considering your classes will want to know exactly what they are going to get for their money, and it will be up to you to explain it concisely and effectively. Understand that you’re basically giving a sales pitch to potential attendees. You’ll have to really narrow down your topic.
• Your Schedule. Decide in advance how often you want to teach your class, and what times will work for you. If you’re teaching a foreign language, you will want to offer structured classes that meet at the same time every week. But if you intend to offer cooking classes, where one lesson won’t run into another, you can be a little more flexible.
  • Remember that you’re making a commitment that will last weeks or months, and you won’t want to end up canceling classes. Pick a schedule that you can keep.
  • Furthermore, carefully consider your likely attendees, and what schedule would be attractive to them. For example, if you’re planning on teaching a tutoring class, you obviously couldn’t schedule it during school hours. Likewise, a class aimed at mothers of young children will either have to include babysitting services or be scheduled at night, when they’re more likely to have help with the kids. Find the delicate balance of times that fit your prospective students’ schedules as well as your own.
• Your Price. When establishing a price for your classes, start by calling around and finding out what other choices your clients have. If you plan to offer cooking classes, call some commercial establishments and other in-home teachers. Compare your own talent and experience to what they’re offering, and set a price accordingly. You should always come in a little lower than classes offered by commercial establishments as that will be one of your selling points: expert information for less money.
• Your Deals. In addition to establishing a per-class price, also offer packages to entice people to sign up for more than one class. For example, if you intend to host classes on making soap, offer the classes individually, as well as in a group. Someone could take a class learning how to use fresh flowers in homemade soap, or they could buy a bundle that teaches them how to use those, fresh herbs, and plastic toys for kid’s soap. However you decide to price your classes, remember that the buyer will want to feel like they’re getting a lot for their money. If you can provide that in a fun atmosphere, they’ll likely be back time and time again – and they’ll bring friends.
• Your Ads. The key to success will be in your ability to get the word out about your classes. Word of mouth will play an important role in your marketing efforts because taking classes is something that friends like to do together. Don’t just rely on friends and family, though. Post fliers in supermarkets, churches, and school bulletin boards. You’ll definitely want to have an online presence so people who are searching your area for such classes will be able to find you. You can establish one by creating a website, and then using digital media to spread your message. And don’t forget your neighborhood as a source of business. Take some time to visit your neighbors, even if you just visit one block a day, and tell them about your new business.

3. Bed and Breakfast: Sell Space in Your Home

If you have a spare bedroom and bathroom, and a high tolerance for other people being in your home, you may be able to make money from home by hosting people in your home. Overnight travelers are always looking for a comfortable bed and breakfast, especially since frequent travelers are often weary of hotels and motels.

Your home is certainly more attractive than the mainstream sterile environments and run of the mill decor. Savvy homeowners have been taking advantage of their spare space, and they’re making money by offering travelers a one of a kind experience in a warm, friendly environment.

The best part is that people who use bed and breakfasts are more likely to pay more for the experience. The challenge is that there’s a lot of competition in this field, so if you think earning money this way is right for you, you’ll have to set up your home in a way that makes for a memorable experience for guests. Here’s a checklist to get you started:

• Location. The most successful bed and breakfasts are those that are convenient to airports, historic parts of town, or other tourist attractions. That’s because there are two types of guests who tend to frequent B&B’s: business travelers who are tired of sterile hotel rooms, and families looking for a unique experience. That’s not to say that you can’t develop a successful B&B if your home isn’t located in the perfect spot, but you might have to work harder to make it a success if it isn’t.
• Comfort. Perhaps the biggest thing that you’ll need to do in order to create a successful B&B is to make sure that your guests are as comfortable as they can be. Remember, they’re paying more for the experience of being comfortable away from home. As a trial, spend a night in theroom in your house that you intend to rent and view things from a guest’s point of view. Is the temperature comfortable? Is the bath in the room, or at least a comfortable distance away while still being private? Is the bed soft and inviting? The pillows? Is the bedroom interior design, including colors, soothing? Can you hear household noises, or do you feel that you’re in a world of your own? All of these are important questions to ask yourself, but the answers will determine whether or not your guests recommend your place, or come back for another stay. Think about all the minor inconveniences and discomforts that you’ve just gotten used to over the years, and remember that a paying guest might not tolerate those problems for a night. You may need to spend a little money to fix these issues.
• Food. The second word in “Bed and Breakfast” is just as important as the first. Some B&Bs have tried to serve their guests muffins, juice, and coffee in the mornings, but the most successful hosts understand that the breakfast they serve will make a lasting impression on their guests. You can get creative and serve the type of breakfast traditional for the area that you’re in. For instance, if your home is located in the South, then eggs, grits, and biscuits may go over well, while Southwest guests may appreciate a traditional Tex-Mex meal. Whatever you decide, make it memorable and make sure that your guests feel welcome and appreciated. Make it memorable, and they’ll spread the word for you.
• Service. Another key aspect of successful B&Bs is the level of service that the hosts provide. You’re not just offering room and board, but an experience. If they need help planning a day seeing the sites, offer to sit down with them and help them plan their itinerary. If a businessperson needs copies for a presentation, offer to go and make them. Remember, your job as host will be to make your guests’ stays as comfortable and pleasurable as possible. If you succeed, they’ll remember you the next time they travel through your town.
• Advertising. You won’t have any quests until you get the word around about your room. Start locally by putting a sign in your front yard and spreading the word through friends and family. Next, build a small website and make sure that you attract the search engine spiders by using the keywords people would likely search for when looking for a place to stay in your area. In addition, there are sites that specialize in promoting specific areas and their attractions, such as BedandBreakfast.com and Airbnb - your Bed and Breakfast should be listed there.

4. Farmers’ Market: Sell Your Produce and Gourmet Foods

Every Saturday I visit the local farmers’ market, and every time I’m amazed at how wonderful theirfruits and vegetables look compared to the choices in the grocery store.

While I’m a gardener too, I’ve never quite been able to grow such fantastic looking produce. If you’re blessed with a greener thumb than mine and you’re growing mass quantities of fruits, vegetables, or herbs, you just may be able to use those skills to earn some extra income.

Farmers’ markets are rapidly becoming the go-to places for people who want to eat fresh, wholesome foods. Local and organic both sounds great to buyers, and you’re not just limited to selling fruits and vegetables. Just yesterday I bought fresh homemade goat cheese and a roasted tomato pesto that almost brought me to tears.

You’d do most of your work in a home garden, but you’ll have to spend your weekends away from home. If you love the idea of selling your home-grown produce, but can’t swing being out of the house on weekends, consider selling to friends, family, and neighbors instead. Almost everyone prefers the taste of a fresh picked tomato to a store bought one.

While this is a great way to earn extra money doing what you love, you’ll need to keep a few things in mind before you get started:

• Selection. Lots of people will be selling produce, so if you want to be a success, you’ll have to make yours stand out. You might try selling some rare vegetables or hard-to-find herbs, or you might decide to include a special recipe with every variety.
• License. As long as you’re only selling fresh produce, you don’t need a special license. But if you plan to sell gourmet foods, you’ll have to call your local health department and find out the regulations in your area.
• Rules. All markets have different rules that every vendor must follow. You’ll have to file an application with the market for permission to sell your product. Contact the market manager and ask how you can get started.
• Display. Just as in any retail operation, the way you display your wares will greatly impact your sales. Produce should be placed underneath a cover to protect it from the sun, but be sure to allow at least seven feet of head room. Display your prices prominently, and clearly identify the things that make your product special. Personalize your stand with signs to inform your customers.
• Tools. Don’t forget that you’ll need a scale if you sell by the pound, a cash box to organize your income, and bags or boxes so your customers can easily transport your products home.

5. Crafts and Art: Sell Your Creativity

If you have a knack for creating beautiful things, then you were born at the right time to make some serious income from home. The growing trend for vintage and homemade products shows no signs of stopping. Plus, the Internet is chock full of well-known outlets for such wares.

Etsy, for example, is one of the fastest growing sites that gives artists a chance to sell items at a fair price. The site boasts over 40 categories, from gifts to clothes to edibles, with thousands of listings. And the price is right; you can get your own site connected to Etsy for just 20 cents per listing.

Selling on Etsy and similar sites, however, has become an art form itself, and finding success in these marketplaces takes a lot of work and planning. Your art is already a full-time job, but you’ll need to devote plenty of time to being a smart businessperson too. Here are some guidelines to getting started:

• Research. You need to know what others are selling before you decide what wares you will offer. Lots of people sell handmade items, but those who work hard to make their items unique in some way are the ones who truly stand out. After you’ve decided on a product, check out the other sellers on Etsy and find what they’re offering, and then figure out how you can do it differently.
• Commit. People who run successful shops on Etsy say that they do way more than create. They pass out business cards everywhere they go, they blog about their site, and spend all of their free time trying to think of new ways to promote it. In other words, to truly be a success, you have to treat it like a full-time job.
• Photographs. Because your customers won’t be able to touch or hold your items, you need to give them as much of a visual feel for the products as you can. You’ll do it with photographs – but not just any photos. They have to be pleasing to the eye and make the item look fantastic. You’ll have to learn the art of photography, and if you can’t get the hang of it, you’ll have to hire someone to do it for you. Yes, it’s that important.
• Selection. One of the keys to success on Etsy is selection, according to industry insiders. In fact, the goal of most serious shop owners is to have at least 200 items for sale. If you’re creating all of those items yourself, that’s a pretty big time commitment. But the more options you give to your customers, the higher the chances that you’ll make a sale.
• Mentorship. With sites like Etsy, it simply doesn’t make sense to reinvent the wheel when opening a shop. Instead, look to others who have been down the path and have learned the hard way what to do – and what not to do. Blogs like Handmadeology and EverythingEtsy.com offer hints and guidance for artists just looking to get started in this profitable home-based business.

6. Call Centers: Sell Your Time and Voice

If you have a great telephone voice, an ability to organize information quickly, and a quiet place in your home to work, you could make money working for a call center.

What is it exactly? Call centers cater to businesses that don’t have someone to answer their phones 24 hours a day. The calls are routed to a call center, and then sent out to individuals who work from their homes. These workers are equipped with computers and software to be able to answer customer’s questions.

The average pay for these jobs is about $9 per hour, and some companies offer health, dental, even matching 401k plans for their employees. Here are a few characteristics and supplies you should have:

• Diligence. In this industry, the line between scams and honest businesses is blurry, so you need to do your homework before accepting a position. Call the Better Business Bureau in your area to find out if there have been any complaints filed against the company, and do an online search on their name. Alpine Access is a well-respected company in the field, and Call Center Careers is a great place to look for legitimate call centers looking to hire.
• Equipment. You’ll likely have to invest in your own equipment before starting work with a call company. You will need a computer that meets the call center’s guidelines, earphones, an Internet connection, and a landline phone to do the work required. If you don’t already have the equipment, most companies won’t even consider your application.
• Grace. You’ll receive a lot of calls, and you must have the ability to handle them all smoothly. This means that you should have a personality that can multi-task without becoming flustered.
• Ambition. If you prove yourself a good employee, there are opportunities for advancement in the ranks of call center employees. You won’t even have to give up working from home to take a promotion; team leaders, managers, and account managers can all work from home.

7. Sewing and Alterations: Sell Your Handiwork

If you have sewing skills, you have a wide range of options. Just think for a moment about everything service you can provide if you have those skills. You can do alterations and design, and you can make wedding clothes, custom-fit clothes, and special attire.

You can make totes and bags, custom bedding, draperies, and upholstery cushions. You can go so far as to sew the special canvas cushions needed for boats and yachts, or commercial needs like booth and chair cushions.

In short, if you have sewing skills, you’re in demand. But there is more to sewing from your home for money than just hanging out a shingle. Let’s take a look at some of the issues you’ll face:

• Equipment. The largest, and most important, piece of equipment that you’ll need is a high-quality sewing machine. They can range in price from about $2,000 up to $6,000, and you’ll want the best one that you can afford. Other pieces of equipment will vary, depending on what you want to specialize in. For instance, if you intend to make custom draperies, you’ll need a serger, and a drapery steamer.
• Skill. If you’re going to sew for other people, your skills need to be far above average. If you’re a beginner or an average seamstress, wait until you improve their skills before attempting to earn money in this type of business. If people are going to trust their wedding dresses or their favorite sports jacket to you, you must be able to handle them with care and the utmost skill.
• Zoning. Because you’ll likely have a lot of customers in and out of your home, you should check with your local authorities to determine whether or not you need to be zoned for this type of business.
• Advertising. You’ll need to get the word out about your sewing business, and one of the best places to start is with your friends and neighbors. Make sure they are all aware of your services and are willing to pass around your business cards. In addition, you should put up fliers in local fabric stores and get to know the employees so that if someone asks, they’ll be able to refer you. Any business needs a website, and yours will be no exception; you can put up a simple one that outlines what you do, and tells the reader what kinds of prices to expect. Finally, by joining organizations like the American Sewing Guild, you’ll be able to stay in touch with others who are doing the same thing as you.

8. Used Book Sales: Sell Your Old Paperbacks

I was working at an estate sale the other weekend, and a woman came in and asked if there were any books for sale. After I pointed out the collection of books to her, she began to scan them all with a portable bar code scanner. My curiosity got the best of me and so I asked her what she was doing.

She explained that she buys used books from garage and estate sales, and then turns around and sells the books for cash on sites like Amazon, Ebay, Half.com and AbeBooks. She uses the scanner to determine how long it usually takes for a specific book to sell and how much it sells for. She told me that she makes a full-time living doing this.

So, I got the scoop on how to run a business of this type. Here’s what you need to know:

• Finances. You need to be good at quick math and be able to make quick decisions. You have to be careful how much you pay for a book, and then keep careful track of the expenses involved in selling it. For instance, when you sell on a website, they’ll take a commission from the sale. In addition, some sites, like eBay, will charge you a listing fee for each book. If you request that your money be deposited via PayPal, then you’ll be charged a transaction fee per book. If you’re not careful, the fees will quickly negate your profits.
• Storage. Depending on how big your business gets, you’ll need ample room to store the books. You can’t get lazy or disorganized about it, either. You have to keep the books in good condition, and you need to be able to find them when someone wants them. For instance, if you list a book in “like new” condition, and then the pages get smashed during storage, you’ll be in a bind if someone places an order before you realize what happened.
• Shipping. You will only have a few days to ship a book after it sells, and even less time if you agree to include two-day or overnight shipping as part of your options. And since you’ll want to save as much as you can on the shipping, you’ll have to devise a plan. Many people set aside specific days for shipping – say 3 days a week – and then make one big trip to the post office. As long as there isn’t anything else in the package, you can send books via media mail, which is the least expensive option. Finally, your books will need to be packaged in a way that they won’t get damaged in transit.
• Ratings. Whenever someone buys a book from you, they will have the opportunity to give the transaction a rating. This is when they’ll tell other potential buyers whether the book was in the condition that you described, whether it was mailed on time, and if your communications were pleasant and helpful. One bad rating can hamper sales, and a couple of them can downright stop them. Excel at customer service and your ratings will help your company grow.
• Current. It’s important that you stay current in this ever-changing business. You can do so by following some well-known blogs about the topic such as Sell Your Books Online.

9. Consulting: Sell Your Knowledge

Consultants offer their services or advice for a fee. For instance, you may help a new non-profit organization develop a plan for fundraising, and then oversee the process. Or you may help a new company garner media attention by writing press releases and then distributing them to the proper channels.

Individuals use consultants, too. Some people use consultants for tax or financial advice, while others may pay a consultant to teach them how to set up and maintain a garden.

Basically, if you have proven skills in an area, you can market yourself as a consultant and provide your services from home. Breaking in isn’t always easy, though, so consider these topics:

• Experience. Whatever area you want to work in as a consultant, you must be able to show clients that you’re qualified to advise them. If there are organizations related to your field, make sure that you’re a member of them. Similarly, if you can take a course and become certified or registered in your field, do it and then add that to your credentials.
• Work Space. When acting as a consultant, the probability is high that clients will be visiting your home office. Therefore, you need to have a neat, professional home office that is welcoming to guests. Try to locate your work space in a quiet, even secluded, area of the house. A converted garage space with its own entrance works well, giving you a private space for work and adding to your credibility.
• Marketing. When operating as a consultant, you won’t necessarily be marketing your company; you’ll be marketing yourself. You’ll have to “package” yourself in a way that makes people trust you. For instance, if you’re marketing yourself as a financial consultant, ask yourself why someone would trust you with their life savings, and then figure out a way to convey that to potential clients. It might be in the form of a brochure, a portfolio, a sales letter, or all three.

To get the word out about your services, you’ll have to talk to a lot of people. Attend functions where your typical client would hang out. That may mean the local agricultural department’s classes if you’re a gardening consultant, or Chamber of Commerce meetings if you’re a business consultant.

10. Medical Transcription: Sell Your Computer Skills

If you have great computer skills and can type quickly, you might be able to work from home doing medical transcription.

Doctors who make audio notes on patients need someone to transcribe their notes to put them in patient files, but most doctors don’t want to pay a full-time transcriptionist. Instead, they farm out the work, and it’s a great job for good typists with a good working knowledge of health topics and medical jargon.

That means you need to come with a lot of knowledge and follow this checklist:

• Training. To get a gig as a medical transcriptionist, you will have to take specific training. You will have to become proficient in medical terminology, and the best way to do that is to take additional courses in that area. The average course lasts from 9 to 18 months and costs about $3,000. Financial aid programs can help pay for your tuition.
• Breaking In. Many people find that once they’ve completed their training, getting their first job can be difficult because many companies require a minimum of two years experience. Many newbies start out by volunteering to get some history under their belt. It’s not impossible to land a job fresh out of school, but you’ll need diligence and persistence, and probably a little luck.
• Equipment. When you accept a job with a reputable company, they will provide you with all the equipment you need, except for high-speed Internet. Beware of companies that require you to supply your own equipment; that’s a sign of a possible scam.
• Socialize. Especially when you’re getting started, you need to establish contacts who are already immersed in the business. They can act as mentors, keep you up to date on industry changes, and even help you land your first or subsequent job. Look for the local chapter of the Association for Healthcare Documentation Integrity (AHDI) in your area and join.

Final Word

For some people, work just has to be in an office, factory, store, or any other environment that’s separate from home. Even a second job would have to be in a separate place. For others, a home office is a welcome place for a secondary or even a primary job. If you’re one of those people, you have some unique opportunities, but you also have some very particular challenges of working from home.

Make sure you set a smart schedule that lets you diligently focus on your work, without throwing the rest of your life out of balance. And make sure you always keep your guard up for scams and cheats. When you’re on your own, you might have a little more freedom with your schedule, but you lose the sense of protection that a company can provide.

These ideas are just ten of the great ones for earning money from your own home. While employment opportunities are getting scarcer, isn’t it good to know that your ability to take things into your own hands is getting greater?

Do you make money working from home? What other ideas have you been able to come up with?

source: http://www.moneycrashers.com/ways-make-money-from-home/