Ways to Make More Money
 
In order to get out of debt you are either going to have to make more money or reduce spending.  Actually you should do both until you are debt free.  There are a lot of different ways to make more money.  Some ideas are pretty obvious.  You can start working all the overtime hours you can get in.  You can get a part time job.  You can sell some of the items around the house that you aren't using any longer or that you thought you "needed", but just put yourself in debt to get.  You can start your own on-line business or home based business.  On this page we will look at those possiblilities that will increase your income.
 
 
 
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eBay
 
One of the easiest ways to make some extra money to either start your emergency fund or to start paying your debts back is to list your "stuff" on ebay.  Ebay has become one of the world's largest market places.  It is a world wide market with thousands of new people enrolling to buy and sell every day.  If you don't think you have anything anyone would want just go check it out.  You would be amazed at some of the items that are sold every day.  If you have children, they grow out of their clothes very quickly and good quality clothing sells very well on eBay.  Adult clothes too.  It won't make you rich overnight selling your items that you no longer need, but it can sure help you build your emergency fund and start to reduce your debt load. 
 
The following ebooks are excellent sources to learn more about selling on ebay and starting a side income from it.  I have purchased them myself and have learned a lot about listing items and finding other products to sell after you run out of items from your closet to sell.
 
 
 
 
 
 
 

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Start an At-home Business
There are more and more home businesses being started every day all around the world.  The internet has opened up a whole new world to anyone that would like to make a little extra income.   There are a lot of promises out there that you can go on the internet, work three or four hours a week and make more money than you have ever made before.  Few, if any of those promises will hold water.  However, there are a lot of opportunities if you are willing to study what other people are doing, do your research, and are willing to put the time in.  When people get on the internet, they are searching for information.  Take advantage of that.  Maybe you are good at writing.  There are a lot of people looking for people to write articles for their websites.  Maybe you are an expert at something, whether it be related to your job or your hobby and you could write an ebook.  Below are some websites you could look at that might give you the information to get you started in your own business.
 
 
 
 
 

How To Get An Instant Pay Raise
 
As a gentleman was leaving my class recently, he wanted me to clarify something I had said. He was making sure that he should take his four or five thousand dollar tax refund and pay off debt.
 
I was stunned. This money represented $400-$500 that could have been in his pocket every month. A survey of my friends this week revealed one who was getting back $2800 and one getting $3300 back this year.
 
Getting a large tax refund (over $500) means you are having too much money withheld from your check every pay period.
 
Many people use this as a forced saving plan and it does not make any sense. You are loaning the government YOUR money, interest free. Every $1200 in refund is an extra $100 per month you could have used to eliminate debt or invest for your future.
 
I 'd venture to say that most people who do get large refunds could use this money every month to ease their debt burden. This burden frequently leads to late charges and higher interest rates. Instead, they like the feeling of getting that big check in the mail and figuring out how to spend that chunk of money.
 
The ideal situation is to either owe or get back $100.
 
If you get a big tax refund then you should adjust your allowances. The more allowances you claim, the less money is withheld from your check for taxes. It generally does not matter how many allowances you claim. If the government gets it's money they really don't care how many allowances you claim.
 
Here is how to get it right. Take the time to complete the appropriate worksheets included on Form W-4. The worksheets will help you determine your withholding allowances based on your income, adjustments, deductions, exemptions and tax credits. The worksheets can help you figure the right amount so you don't have too little withheld.
If you need help ask your payroll administrator at work or an accountant.
 
Keep your money working for YOU!
 
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Leo J. Quinn, Jr. is a financial educator from the Albany, NY area. For the last eight years he has been stunning audiences by showing them that paying off their highest interest rates debts first and/or paying extra on more than one debt is often the SLOWEST way to get rid of those debts. He has a special offer for readers of this website at: 'How to Own Your Paycheck Again'