I'm a firm believer in keeping life simple. This might involve buying a less expensive home or automobile, and avoiding unnecessary purchases. Yet, simplifying one's lifestyle isn't an option for some families. If you have children or a lot of monthly expenses, getting rid of a few items may not solve the problem. In this case, you may have to look for ways to make extra money.

There are more than a few ways to make extra money. When financially strapped, many people look for a second job, perhaps at a restaurant or retail store. However, these jobs pay a small salary. You'll work an additional 20 hours a week, and earn about $100 a week (after taxes). There is a better way to work and make extra money. Several work at home opportunities pay (on average) $20 an hour. Become a part-time web content writer and work from the comforts of your home office. You can easily make $12 to $20 an hour. If you don't enjoy writing, consider online affiliate marketing. Earn money from each sale. And the best part, you don't need to devote a lot of time or money to the business.