We all live busy lives, but think about the amount of time you spend that could be channeled for some quick money making. In some cases you don’t even have to give up your TV time when you work on the couch. If you just put the Wii controller down for an hour a day, you could produce a healthy, passive income.

Here are 3 Quick Money Making Ideas

 
1. Make $3,000 From Home a Week: GoFreelancer will hook you up with jobs you can do from home. Everything from posting on discussion boards to writing blog content for travel magazines and recipe websites. If you can spell, type and have a computer, this is a quick money making method that will get you cash in hand.

 

2. Become a Virtual Assistant: Search Craigslist and you’ll probably find hundreds of posts for both people advertising their virtual assistant service and business people seeking personal assistants. More and more companies are saving money by downsizing their offices and outsourcing more of their work. As a virtual assistant you can return phone calls, answer emails and manage other requests for your client from home.

 

3. Clean Out the Garage: Probably the most popular quick money making idea is to sell your stuff. You’d be surprised how valuable the things collecting dust are to other people. Just because it is old, broken or worthless to you does not mean it isn’t valuable. The only problem with selling your items on eBay in order to make money is that eventually you don’t have anything left to sell. But at least you’ll have the experience and reputation to be able to source your own items and build a small part-time business.

Personal finance continues to evolve and become more and more complex. Zombie debt is one of those things nobody would have been able to predict, but it one of those things that are destroying people’s lives.

If you have ever had an experience with a debt collector, you know how horrible it can be. Most often than not, it seems they either have the wrong person, the wrong amount, or are trying to collect a debt that you already paid. Debt collectors are ruthless and, at least in my experiences, have a tendency to ignore laws that protect consumers.

Well, debt collectors are getting dirtier and have awaken what is known as zombie debt, which is a term for meaning “old debt that comes back to haunt you.”

Debt collectors are going deep into credit histories and calling consumers for debts that were paid off long ago and hoping that you either don’t remember, don’t have a record, or will just pay in order to get rid of the nuisance. While most people know they are being taken advantage of, it is often jut not worth the headache — which it seems is the angle these debt collectors are trying to play.

If you are being attacked by zombie debt, know your rights. According to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, the debt collector must prove that you in fact owe the debt. Demand an original document that shows your signature agreeing to the credit, loan, etc. In most of these cases they more than likely cannot provide sufficient information to prove that claim.

Of course they will threaten to destroy your credit, but I say let them. You can always dispute the item, and if it were a legitimate collection the item would already be on your credit report.

Also check you’re state’s statute of limitations on collecting old debt. There may be a law in place that says they cannot legally try to go after you after a certain date.

There’s are many people and organizations trying to get ahead by scamming people out of their money. Know your rights and fight these claims if even for principle of the matter. Reluctantly paying something you do not owe in order to get the collectors off your back is only encouraging them to do the same to others.

Just as you should diversify your investment portfolio in order to spread your risk, having one source of income is a liability. While your personal skills, networks and qualifications are the real asset, at any moment  your main source of income could disappear.

As an employee, like most people are, you are at-will. That means at any time, for just about any reason, your company can let you go. But even if you believe your job is secure, imagine if things changed. What if something happens to you medically and it would be impossible to do your job? What if new management came in and corporate politics pushed you out?

Create your own income insurance by supplementing and diversifying the money you bring in so you and your family is not so reliant on your job.

One of the greatest myths is that income is directly related to the time you spend working. That may apply in the workplace, but there are countless ways to make money. Of course anything will require some of your time — at least when you are in the building stage, but there are ways to build systems so other people make money for you.

Most people believe you have to work in order to make money, so pay those people to work in order to help you produce and income. There are millions of people searching online every day for ways to make extra money. With the right idea and a free ad on a job board or Craigslist, you can virtually have someone immediately making money for you. Here are a couple ideas just off the top of my head…

• Find businesses that need some fact checking done and outsource the work
• Search for businesses looking to have a website built and hire a college student to do the work
• Hire someone to write a piece of software and sell it online
• Advertise your new marketing business and hire freelancers to design ads and sales brochures for your clients
• Provide a “voice talent” service for advertising, audio books, and voice mail

There are a million different ways to make extra money to diversify your income. Find and fulfill needs, and figure out  a way to automate the process so you can create additional income streams. That way you’ll never have to let money be a concern.