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If you’re like me, you like to enjoy seasonal goodies during the summer. Homemade cobblers, fresh sorbets, crisp salads and grilled veggies all make our list of warm-weather faves. Tired of paying top dollar for fresh produce? Check your back yard for these freebies!
Rhubarb                                                                                                                          
Those who live rurally may be lucky enough to have access to several patches of rhubarb in their back yard or the yard of a family member who has more than he or she knows what to do with. And there’s no doubt about it. Summer is the season for rhubarb recipes. Whether you’re going for pie, cobbler or even rhubarb wine, you’ll be able to cook to your heart’s content with even a mid-sized patch of this back yard produce item. Urbanites will likely need to purchase theirs at the farmer’s market, but it can still be a great seasonal value.
Crab Apples
If you’re trying to buy organic food on a budget, you have to admit. It’s pretty hard to beat free in the price department. If you have access to a crab apple tree, then you have a way to make multiple quarts of apple sauce and jelly to use throughout the rest of the year as a fat substitute for baking, to enjoy with baked scones and more. You can even use it to flavor homemade liquors. Collecting them off the ground and tree is a project you can easily turn the older kids loose on when you need a way for them to burn off steam and still feel like they’re being required to help around the house.
Dandelions
These things literally grow like the weeds they are. The good news? Dandelions represent a great source of free food during the summer months. The greens represent one of the more easily-accessed cheap weight loss foods at your disposal certainly, but even the flowers can be used at meal time. Here’s one recipe that uses fresh dandelion flowers to make an alternative to breaded mushrooms. Other options with this plant include dandelion wine, sautéed greens and even a salad ingredient.
Berries
Berries are a flexible item that you can enjoy wild, or even plant for perennial access that saves you the stress of spring gardening. You can use them in summer cocktails, as an ingredient in homemade salad dressing, as an ingredient in homemade ice cream and even to add antioxidants to your morning breakfast smoothies. They’re also great to freeze and use in baked goods and bowls of hot oat meal throughout the year.
Produce doesn’t have to come from the grocery story or a high-maintenance garden. You may find more than you think growing in your own back yard!
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Beauty on a Budge

Posted by goodOne On 08:44 0 comments

We’re all looking for ways to save money in the current economy, but with personal grooming items costing what they do, it can sometimes be difficult to pinch pennies in this particular area. Here are some of my favorite cost-conscious strategies to look great for less.
Know When to Spend                                                          
While I’m all for dishing out for higher end cosmetic items when there’s no other option to get what you need, the truth is there are many instances where we can get by with themulti-purpose beauty products we already have in our bathroom or kitchen cabinet. Finding a workable facial moisturizer is always a challenge for me whenever I decide to try something new, and the final result is rarely priced the way I’d like. That being said, overall body lotion an moisturizing treatments can be purchased or prepared affordably with minimal effort or investment.
DIY Hair Color
We all want to have great hair for less, but when it comes to color and curl, things can get tricky. Highlighting and home perms may be a bit out of most women’s skill sets, but a semi-permanent boxed color like Clairol natural instincts can be achieved pretty easily and will wash out over a few weeks. Perfect for experimentation or if you accidentally choose the wrong shade of brunette.
Let Your Skin Shine
While facial sunscreen may still cost a pretty penny, there are many homemade skin care recipes that can be used on the rest of your body when it comes to exfoliation and moisturizing. From cracked heel treatments to deep conditioning for your lips, several solutions are available right in your kitchen pantry.
Manicure Maintenance
While you may not think affordable nail care options exist, the truth is there are several ways you can get your hands ready for center stage without breaking the bank. Beauty supply stores for example, sell professional files, nail oil and travel-sized clippers for less than traditional salons, making manicure maintenance achievable for professionals on a limited income. Your color selection can also impact your overall beauty budget. Collect every nail lacquer color in the rainbow for instance, and things are likely to get pricey. Keep things basic with a French pink and a dressy red on the other hand, and you only need to choose a good base and top coat combo to round out your repertoire.
Looking your best doesn’t have to run your family budget off the rails. A bit of restraint and planning, combined with minimal DIY efforts, can have you feel polished and pampered for pennies.
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No matter what the state of the economy, it is critical that you be as frugal as possible when you are running a business. Keeping a check on your business’s expenses could well be the difference between going bankrupt and turning a healthy profit. One of the basic rules to remember in business is the ROI (Return On Investment) principle. This principle simply means that you should avoid spending money that does not eventually make you money back if you want to stay in business. These ten strategies can help ensure that you run an effective business and still save money.
Loan Minimization
Many entrepreneurs seek a loan when they want to start a business. This may be necessary in some cases, but you should be careful about overextending your new business beyond what you can easily afford to pay back. You may want to consider the possibility of forming a relationship with a venture capitalist who will be interested in sharing a stake in your company in exchange for a share of your business. This may be a better option than simply taking out ordinary business loans.
Web Content Creation and Design
Of course, it is almost always essential that your business have a website. This site should contain quality content and a clear, memorable layout. However, it is also easy to overspend on this website. With many companies ready to compete for your business, you can afford to shop around for the best possible rate and service.
Outside Help Usage
You can outsource much of your content creation and web design work to freelancers instead of hiring full-time staff. This can save a significant amount of money and hassle since you only pay for the actual job, rather than for benefits, taxes, payroll and related expenses.
Information Backup
When you have a business, you will have to store data files, invoices, proposals and all sorts of other information on your computers. Make sure you back this data up on an online server so that you will be prepared for any hardware malfunction. Online backup systems are extremely affordable, and they can save you a tremendous amount of time and expense compared to trying to recreate extensive amounts of lost data.
Simple Office Setup
If most of your customers contact you though emails and other online means, you may only need a very simple office with basic furniture. If you have to talk to them through online chat programs like Skype, simply make sure you have a nice chair and an attractive background behind your webcam. You often do not need an elaborate office with all the trappings to conduct your business, especially when you are first starting out.
Virtual Assistance
A virtual assistant can be a good substitute for an ordinary secretary at a fraction of the cost. Virtual assistants can help you with jobs for which you have little or no time, such as basic bookkeeping, account management, tracking appointments and the like.
Promotion via Social Media
Splurging on advertising strategies of questionable effectiveness can be a major drain on your business’s resources. Rely on a free presence on social media sites to help get the word out about your business, especially early on.
Efficient Employee Usage
Hire only those employees that you are certain you actually need. Keep in mind that many business tasks can now be handled by far fewer people with the aid of modern technology and software programs. The cost of these programs is often far less than the cost of hiring additional staff.
Good Communication with Employees
A paycheck will only motivate your employees so much. Maintaining regular, effective and honest communication with your employees will help build their loyalty, as well as their work ethic and motivation.
Saving on Advertising Costs
Consider the possibility of collaborating with another business that sells complementary goods to reduce your advertising expenses. For example, if you run a restaurant, consider setting up a deal with a nearby movie theater to offer a 10% discount to individuals who bring in a ticket stub; you and the theater could then split the cost of promoting the deal, driving extra customers to both your businesses.
BONUS!
Keeping track of expenses and receipts is an important part of filling your taxes with the correct deductions. An excellent service is Shoeboxed, you can take a picture of your receipts add a few notes and it will store it for you online for later access. This will not only save you money but also time when it comes to filling your taxes. See our Shoeboxed review or sign up for free here.
Guest post contributed by Marissa Harper, on behalf of Mayowynnebaxter.co.uk. Marissa lives in France and works in the real estate industry. She has many years experience inbuying property in France. In her spare time she also enjoys writing business related articles and contributes to numerous websites

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30 Way to make money

Posted by goodOne On 22:33 0 comments

Even the best of times, one of the most common questions asked is, “How do I make extra money?” While an increase in income can ease the way things work in your personal economy, it won’t necessarily solve all your problems. You will still need a plan for the wise management of your financial resources. Making extra money, though, can help you turn things around in some cases, allowing you to pay down debt quicker,build a sizable nest egg, or save up for a family trip.
There are a number of ways that you can make more money. There are even ways of making money online, from the comfort of your home. Creativity, planning and hard work can all lead to an increase in income.

Fast Cash

Sometimes all you need is a little quick cash. Most the ways to make money quickly won’t actually serve to replace your income, or allow you to make more money to the point where you can quit your day job. However, if you are interested in making more money to pay off debt, or save up for something specific, these ideas can be useful:
Online Business [Added by Editor]: One of the best ways to establish a very profitable and easy to run business is through the internet. With the internet boom it has become easier then ever to have your own home based business without the need for huge capital to finance it. My online business gave me the opportunity to leave my 9-5 job and do what I love, travel, and make more money. If you are new and unsure how to get going my good friend Steve offers an excellent course, he’ll get you going in the right direction.
  1. Paid Testing: You can be a paid tester. Medical companies, cosmetics developers and others pay testers to try products and treatments. For some studies, you might have to meet certain requirements. Also, if it is a long study, it may take longer for you to get your money. Look for shorter studies. You can search “paid medical studies” and you will see a list of clinics, testing companies and paid focus group opportunities.
  2. Plasma Donation: Blood plasma is in relatively high demand. One of the great things about plasma donation is that you can go two times in any seven days — so long as you wait at least two days in between. Check with DonatingPlasma.org to find centers near you. Can get between $20 and $35 a pint.
  3. Bone Marrow Donation: If you have a couple of days, you can go through the process of bone marrow donation. Depending on how much you give, you can sometimes get up to $450 for a donation. It can be painful, however. Be careful to go to a reputable center.
  4. Sperm Donation: If you are willing to commit to six months, and willing to avoid, um, releasing your sperm except during donation times, you can get up to $40 per donation. This is something only men can do.
  5. Share Your Talents: Those with skill in music can make money by sharing their abilities. If it is allowed, you can set up to entertain at parks. Many towns have farmers’ markets, and you can ask if you can be put on the entertainment schedule. A restaurant in my town allows musicians to come in and play during dinner two or three nights a week. You can make money on donations from those who appreciate your performance.
  6. Recycle: Look around your locality to find out whether or not there are recycling facilities. Many towns still have scrap metal recycling facilities that will pay you by the pound if you bring in metal. Additionally, if you live in a state where you pay a deposit for glass bottles, you can return the bottles for the deposit. Gather up bottles that other have thrown out and return them. Just be aware that it is illegal to do this across state lines.
  7. Odd Jobs: You can usually be paid in cash for odd jobs. If you are knowledgeable about making repairs, yardwork or cleaning homes, you can make some quick cash for such jobs. If you have a truck, you can offer your services hauling away debris.
  8. Serving and Bartending: When I was a waitress, I always had cash in my pocket. If I wanted extra cash, all I needed to do was pick up an extra shift and collect tips. Serving and bartending are two quick ways to make money. And they are jobs that you can do evenings and weekends.
  9. Sell Your Stuff: Hold a yard sale, or sell your things online. Go through what you have, and decide what you can part with. Selling it can provide the means of a small amount of immediate money.
  10. Pawn Your Stuff: If you don’t want to arrange a yard sale, you can pawn your stuff. In some cases, you are getting a loan that you have to pay back if you want your item back. However, if you don’t care about the item, you can simply take the cash and let the pawn shop keep it. Other pawn shops will buy items from you, and then re-sell them at a mark up.
  11. Store Returns: Did you buy something recently? Take it back. You will get full price if it is unused and unopened, and you have a receipt. Even store credit will help if there is something you actually need to buy at the store.
  12. Sell Your Unused Gift Cards: If you have unused gift cards, you can put them up for sale on sites like eBayPlastic Jungle and others. You won’t get the face value of what’s left on your gift card, but if you won’t be using the card, and you need the cash, this could be a way to get the money you want.
  13. Rent Out Your Driveway: Some people, who live near public transportation or who live near attractions, rent out their driveways — even their yards. Provide parking that is close to a popular location, and do it for less than a commercial lot or parking garage. You can get some quick cash. But you do have to be willing to park a little farther away, or risk having your car blocked into your garage.
  14. Emergency Assistance: It’s not exactly like getting cash, but it can help. If you are in dire straits, you can check with the local food pantry, or speak with a representative of the clergy at your church. You might find that you can get free groceries, or even assistance paying some bills. This will free up cash for other uses.

Building a Home Business

Working from home can be a rewarding way to make more money, especially if your are making money online. This won’t provide you with fast cash, and it can take a lot of hard work and creativity to build up your home business. When you work as an independent contractor, you will also need to understand how to handle your taxes, and you might even need to be licensed by your state, depending on what you decide to do. Here are some ways to make money by creating your own home business:
  1. Child Care Services: Provide babysitting services in your own home. If you can offer some sort of preschool in addition to child care, you can build up an even better business. Become properly licensed, and you might even be able to get help from the state in the form of subsidies for snacks and meals you provide for the children.
  2. Pet Care Services: Depending on your abilities and skill level, you can can offer pet care services. It can be as simple as walking dogs and feeding cats for out-of-town neighbors, or it can be as complex as bathing and grooming services.
  3. Arts and Crafts: For those who are talented in the area of arts and crafts, it is possible to sell what you make. Web sites like Etsy provide you a way to sell what you create. My sister-in-law sells items she crochets. She even designs patterns that sell for a couple dollars each time someone wants one. If you sew, work with wood, knit, quilt, paint or enjoy some other type of art pursuit, you can build a business.
  4. Virtual Assisting: Those who are organized and have good communications skills can provide administrative services, even at a distance. Appointment setting, phone calls and other duties can be performed by a virtual assistant. It’s a growing field that you can involve yourself in.
  5. Tutoring: Are you good at math? Do you understand science concepts? Can you help others improve their reading and writing skills? If you have a talent for teaching, you can offer your services as a tutor. Not only can you do it as a home business in your local area, but you can also make money online as a tutor. You can look for your own clients, or sign up with services likeStutors.com.
  6. Teaching: My husband just finished his Ph.D. and is teaching an online class at his alma mater here in town. He can do it from home. Plus, since he is developing the curriculum, he is receiving an extra stipend for the summer semester. While my husband is doing this for the local state university, many online educational institutions are also interested in teachers who can provide classes online — without needing to leave their homes.
  7. Photography: When you have a good eye, and some talent with a camera, you can make money as a photographer. Offer to take photos for graduation, weddings, births and other life events. It’s possible to find small lighting kits on eBay, and a dark sheet can provide a background if you do indoor photography rather than outdoor. With the help of digital cameras and web sites likeShutterfly, it is possible to provide this service. On top of that, you can provide creative photos, landscapes and other images to stock photo sites, and receive money every time someone downloads your pictures.
  8. Freelancing: There are a number of freelancing activities that can be done from your home, allowing a way of making money online. If you have the skill and the right equipment, you can freelance as a writer, graphic designer, software developer, or programmer. Take on projects and get paid.
  9. Consulting: If you have knowledge of social media, public relations or some other subject in high demand, you can sell your knowledge. Work from home offering tips on increasing social media presence. Write press releases and direct advertising strategy. My husband will be working as a consultant for a local health care system, providing advice and direction on survey design.
  10. Financial Planning Services: With the right certifications and licenses, you can provide financial planning services from your home. Offer suggestions to help others meet their financial goals. If you get your securities license, you can even help people buy investments.
  11. Provide Lodging: You can rent out a room in your home. You can convert part of your house to a bed and breakfast, and you can rent it out for temporary visitors to your home. Or, you can rent a room to a college student, or young professional, who needs a place to live. This will provide you with some regular income from the use of your home.

Making Money Passively

Another way to make more money is to develop passive income streams. You might have to do a little work to get your system in place, and you might have to do some work to maintain the system at a minimal level, but you can create income streams that provide you with money with little effort down the road.
  1. Affiliate Programs: You can sign up with affiliate programs to advertise on your web site. You get a portion of purchases made from clicks to your site. Other affiliate programs involve setting up to sell products and services. In my neighborhood, there are a number of people who direct you to their affiliate sites that sell kitchen items, scrapbook supplies, jewelry and candles.
  2. Residual Income: In some cases, you can receive residual income from things you write or pictures you upload. Stock photo sites allow you to make money when others use your photos. There are a number of content-driven web sites that will pay you based on pageviews of articles you wrote years ago, or let you earn AdSense income. This is a way of making money online. I make about $100 a month in residual income that comes in passively from work I did three to five years ago.
  3. Income Investments: Build up an income portfolio to create a revenue stream. Income investmentslike bonds, dividend stocks and even P2P lending can provide you with regular payments. There is always the risk of loss in an investment, though, so be careful.
  4. Royalties: Books, music and other creative works can result in royalties. You continue to receive payments as the work is used.
  5. Self-Publishing: Also, in this digital age of self-publishing, it’s possible for you to make your own ebook or offer music for download — and keep all of the money for yourself. No royalties required.

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