One of the most obvious ways to produce more cash flow and create more wealth is to increase your income. You can do that by getting a raise or a promotion, finding a higher paying job, or by starting your own part-time, work from home job. You never know. That little greeting card business you start could just turn into a six figure salary.

Here’s a list of 12 part-time, work from home jobs that you could start today to earn more money:

Cake Decorator: If you’re into baking, that’s a unique skill and people love to spend top dollar on personalized gifts. Put your decorating skills to work and start making some extra money.

Tutor: Parents are often willing to spend a few dollars to keep their kids occupied, and what better way than to make them complete their homework and study to keep their grades high. It wouldn’t take long for you to brush up on your basic math and science skills to be able to help elementary kids study.

Freelance Writer: There’s always work for someone who is a good writer and willing to do some research. You can charge by the hour or by the project if you have the skills. Use sites like elance.com to place a work-for-hire ad.

Online Auctions: Believe it or not, people are still making a living by selling things on eBay. Start with some household items that are just collecting dust, and then branch out to sourcing products from wholesalers to turn a quick profit.

Dog/Cat Sitter: Nobody likes to leave their little puppies alone too long. Turn the animal lover inside you into a money making machine.

Child Care Service: Child care prices are outrageous. If you’re already a stay at home mom, why not add a couple of the neighbor’s kids into the mix to bring in some extra spending cash.

Video Game Tester: There is actually a demand for people who can sit in front of the TV and test out video games. Check out Only 4 Gamers to sign up and get paid to play.

Wedding/Party Planner: Anyone that has gotten married or helped plan an event knows how stressful it can be. If you are creative and organized, you can help alleviate that stress for others.

Legal/Medical Transcriber: If you can type, you can make money. Whether it’s transcribing medical and legal notes, or documenting an interview, there is work that needs to be completed.

Virtual Assistant: Even though many jobs are sending people home to do their work, there’s still a need for someone to do some basic office work. Most of which can be done online or over the phone.

Survey Taking: Those online surveys that keep filling up your spam box do actually pay, but you don’t have to pay a hefty membership fee to join them. Companies like Survey Adventure have free memberships and will pay as much as $50 to review a movie or fill out a survey.

Mortgage Broker: All you need is a telephone and a product, and you can start selling mortgage packages to new home owners or people looking to refinance their loan.

Millionaire Money Habit: Imagine what a few extra hundred dollars a month towards your investment fund could become over time. There’s certainly no shortage of work that you can do to produce some extra income from the comfort of your own home. Think about what you enjoy doing, and put those interests into action.

Do you remember in 1999 when average gas prices were around $0.99 a gallon? MSN Money featured an article today called, $4 a gallon means more for a beer. Now that’s one way to get my attention, but it got me thinking about all of the different things in life that the cost of fuel affects.

Fuel charges really put the pressure on businesses and consumers. When consumers can’t afford the greater things in life, businesses suffer. When businesses suffer, consumers feel the squeeze from increased costs and reduction in quality. It’s a vicious circle.

A couple examples come to mind:

• American Airlines recently announced that it will now charge passengers for all checked luggage on a graduated scale for each bag in an attempt to offset the rising fuel costs and keep their business alive.
• The Mexican restaurant near my house started using a lower quality sausage because they are feeling the pressure from increased operating costs and lower consumer spending.

It not only affects the extra money we have to spend as well as the quality of goods we receive, but an increase in average gas prices now forces us to make tough decisions that we never had to make before. For example, I am writing this on Memorial Day, which is typically a time of year for American families to get together, barbeque and get ready for the long awaited summer. This year, however, families have to scale down their plans or change them entirely because life is just too expensive. According to MarketWatch:

About one-third of all Americans plan to travel this Memorial Day weekend, according to a new report from Deloitte & Touche, but nearly a quarter of them have changed plans due to the pinch at the pump and 12% have cancelled road trips altogether.

Now not only is the skyrocketing price of gas squeezing our budgets enough to prompt us not to eat out or buy new toys, but it is also preventing us from doing what may be the most important thing in our lives – spending time with the ones we love.

Things will have to change – one way or another. I don’t believe average gas prices will be going down, as they never do. Eventually we’ll have to rely less on petroleum or change our behaviors to accept the new cost to commute. Either way, for now the supply and demand curve is worsening, and it affects our bottom line, which means we seriously have to make tougher decisions that we didn’t have to make in the past.

Millionaire Money Habit: As our cost of living increases, the need to manage your money wisely and budget appropriately is even more critical. Take a moment to reflect on the seriousness of rising average gas prices. You may just need to rethink about how “living within your means” has changed and adjust appropriately.

Here is a list of some of the best articles from my favorite personal finance websites. Spend some time digging through the Millionaire Money Habits archives and the links below to improve your financial literacy, and learn how to become a millionaire.

Spotlight: Prime Time Money wraps up his 10 Things Series, which documents exactly what he’s done over time to become successful with personal finance management. It’s full of great information and quite motivating.

Managing Money:

• Are You Ready To Manage Your Parent’s Money And Healthcare? at My Two Dollars
• Tracking Pennies: Making The Abstract Concrete at Paid Twice

Spending and Saving:

• What is a budget? at Gather Little by Little
• Frugal Living For Beginners at beingfrugal.net
• What are You Doing About High Gas Costs? at Credit Withdrawal
• Turn Your Wasted Money Into a Debt Reduction Plan at My Dollar Plan
• 8 Simple Ways to Save Yourself a Thousand Bucks at The Digerati Life

The Rest of the Best:

• Money: Only 7 Investments You’ll Need at Blueprint for Financial Prosperity
• Is US Currency Illegal? at Cash Money Life
• What To Do With a Deadbeat Relative? at Mrs. Micah

Personal Finance Carnivals:

• Carnival of Financial Planning
• Money Hacks Carnival
• Carnival of Personal Finance

Millionaire Money Habit: To help you become a millionaire, you need to perpetually improve your financial literacy. Digest as much information as possible and stick to a plan that works for you. Be sure to subscribe to the RSS feed or by email to be notified of new articles posted here.