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    Cutting Expenses & Getting More for Less: 41+ Ways to Earn an Income from Opportune Living
    Cutting Expenses & Getting More for Less: 41+ Ways to Earn an Income from Opportune Living
    Cutting Expenses & Getting More for Less: 41+ Ways to Earn an Income from Opportune Living
    Ebook274 pages3 hours

    Cutting Expenses & Getting More for Less: 41+ Ways to Earn an Income from Opportune Living

    By Anne Hart

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    About this ebook

    Cutting Expenses and Getting More for Less: 41+ Ways to Earn an Income from Opportune Living, offers both practical steps and strategies on how to pay less for more benefits, quality, and comfort from the basic necessities and at the same time earn a living in 41+ different services and businesses that offer others information or services on how to live better with fewer expenses, higher quality, and more benefits.

    You get what you pay for. Here's how to start cutting expenses, finding hidden markets, and getting higher quality items. Find dozens of practical solutions emphasizing frugality, thriftiness, prudence, results, benefits, advantages, and income.

    Show others how to get more by cutting unnecessary, marked-up, and frivolous expenses. Lower your cost of living with these practical strategies as you follow the how-to solutions step-by-step for excellent results. You'll learn how to do secret comparison shopping, look for shelf-pulls, and other techniques of wholesalers to cut your own expenses and find higher quality.

    Directions on how to open stay-at-home businesses emphasizing cutting expenses and using healthier ingredients include hidden target markets, best locations, and expected income. Show others the prudent lifestyle--how to cut expenses and increase quality, or find healthier ingredients and products. Live better by making your life easier to navigate.

    Pay less using high-quality, highly focused comparison shopping. If you want to make a living sharing the practical applications of living on less or getting what you pay for, high-quality bargain hunting, or home-made product tips, your idea must have redemptive value for a universal audience.

    Begin by looking for surplus, shelf-pulls, and overstocked items. Live on less yourself, and enjoy the comfort. The 41+ services and businesses in this guide tell you how to start and operate each home-based business. Or live the lifestyle yourself and have fewer unnecessary expenses for yourself or your family. Regardless of your age, marital status, gender, or interest, there are new trends, current information, and smarter, time-saving techniques for enjoying more comfort, quality, status, lifestyle, and benefits while cutting expenses that waste your savings or time.

    LanguageEnglish
    PublisheriUniverse
    Release dateMar 10, 2005
    ISBN9781532000720
    Cutting Expenses & Getting More for Less: 41+ Ways to Earn an Income from Opportune Living
    Author

    Anne Hart

    Popular author, writing educator, creativity enhancement specialist, and journalist, Anne Hart has written 82 published books (22 of them novels) including short stories, plays, and lyrics. She holds a graduate degree and is a member of the American Society of Journalists and Authors and Mensa.

    Read more from Anne Hart

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      Book preview

      Cutting Expenses & Getting More for Less - Anne Hart

      Copyright © 2005 by Anne Hart

      All rights reserved. No part of this book may be used or reproduced by any means, graphic, electronic, or mechanical, including photocopying, recording, taping or by any information storage retrieval system without the written permission of the publisher except in the case of brief quotations embodied in critical articles and reviews.

      ASJA Press

      an imprint of iUniverse, Inc.

      iUniverse

      2021 Pine Lake Road, Suite 100

      Lincoln, NE 68512

      www.iuniverse.com

      1-800-Authors (1-800-288-4677)

      ISBN: 0-595-34772-X

      ISBN: 978-1-5320-0072-0

      Contents

      Chapter 1 Live on Less for a Living

      Chapter 2 Free Software

      Chapter 3 Budgeting Money

      Chapter 4 Budgeting Time

      Chapter 5 Children

      Chapter 6 Cleaning Products—Make Your Own Basics

      Chapter 7 Clothing

      Chapter 8 Contacts

      Chapter 9 Contracts

      Chapter 10 Creativity

      Chapter 11 Comparison Shopping

      Chapter 12 Branding

      Chapter 13 Decorating & Design

      Chapter 14 Draining Duties

      Chapter 15 Simple All Purpose Cleaners

      Chapter 16 Removing Mineral Deposits and Rust with Cream of Tartar

      Chapter 17 Wood Moisture, Decay, and Mold

      Chapter 18 Earning

      Chapter 19 Barter

      Chapter 20 Opinion Surveys

      Chapter 21 Empty Nesters

      Chapter 22 Energizing Enterprises

      Chapter 23 How to Open Your Own DNA Test Results or Molecular Genealogy Reporting Company

      Chapter 24 Entertainment

      Chapter 25 Inspirational Markets and Experiences

      Chapter 26 Health

      Chapter 27 Pamphlet & Booklet Publishing

      Chapter 28 Playography

      Chapter 29 Pens

      Chapter 30 Permanent Plastic Seal

      Chapter 31 Pesticides—Home-Made from Spices and Vegetables

      Chapter 32 Publicity & Promotion

      Chapter 33 How Do You Create A Powerful Media Magnet?

      Chapter 34 Reunions

      Chapter 35 Scrap Booking Skits: Personal History Keepsakes & Time Capsules

      Chapter 36 Shampoo

      Chapter 37 Shoes

      Chapter 38 Toys

      Chapter 39 Travel and Free Walking Tours

      Chapter 40 Censored News

      Chapter 41 Lowering the Costs of Foods and Groceries

      1

      Live on Less for a Living

      Getting more for less attracts buyers. You get what you pay for. Here are practical steps for all ages in this guide to healthier, lower cost hunting in hidden markets. Pay less using high-quality, highly focused comparison shopping. If you want to make a living sharing the practical applications of living on less or getting what you pay for, high-quality bargain hunting, or home-made product tips, your idea must have redemptive value for a universal audience. Show others how to have fewer expenses, higher quality, and more benefits by comparison shopping in the hidden markets, watching evolving trends, and making use of information so new that the consumer media and industrial trade journals haven’t seen it yet. Or, live the frugal lifestyle yourself.

      Look for a way to improve the quality of whatever you buy with fewer unnecessary expenses. You need a monthly budget, a plan, and access to new information. You find this information by going where vendors go to buy or sell surplus and attending the free exhibit halls of trade shows where you can talk to vendors and suppliers, wholesalers, and re-sellers.

      Begin by looking for surplus, shelf-pulls, and overstocked items. Live on less yourself, and enjoy the comfort. Or make a living by teaching others how to live on less. Check out comparison shopping Web sites such as Nex Tag at: http://www.nextag.com/ or other sites. Use the keyword: comparison shopping on your computer search engine, for example: http://www.google.com. If you type in comparison shopping what comes up are numerous Web sites for price comparison. Share information on how to live on less. You can earn a living by showing others how to live on less. And you can live on less and save the rest for a time when you’ll be mature enough to really appreciate having experienced the creativity of expanding your skills.

      When you measure and budget time as well as money, you can record and share how and why you live on less. When you need more money, start a home- based business showing people how to live on less. This can be done online, in print, or by putting on living on less conferences or meetings. You can start a national or local chapter of a living on less special interest group.

      Living on less can be part of a personal, oral, or family history business recording life stories with a new slant. What did people do to live on less? How can you live on less today and still enjoy comfort, less frustration, and more free time for play—and at the same time make sure you never outlive your savings or are left destitute in your old age? There are ways to play and enjoy living on less while making more money.

      The formula is to show how other people lived on less and enjoyed saving. Your objective is to give information, techniques, strategies, tips, and solutions to problems that get clear, tangible and immediate results.

      What are some techniques for living on less? How can you use what’s already around your house in order to enjoy creative play at home and live comfortably on less—less stress, less income, and less clutter? Do only what is simple and clear to understand.

      You need to live on less in a hurry. Around your home you see two phones, and a computer with a recording drive capable of saving files to a CD or DVD. Quick, how do you generate money at home with what you have around the house? You can try out software for a month for a free trial. You can even set up a free Web site. Your first step would be to run an inexpensive audio cable from your telephone to your computer.

      Next would be to acquire or try out software that records the human voice or any sound from your phone into your computer. Start with the software Total Recorder. See the High Criteria’s Web site at: http://www.highcriteria.com/. It’s inexpensive and handy for recording the human voice or any sound. There’s also Phone-In Buddy. See http://www.transcriptionbuddy.com/PBmain.htm . You can try a free trial of various types of software. Or you can try other dictation software, which also allows anyone to call you, talk in your phone, and have their voice and yours (or their voice alone if you don’t speak) recorded into your computer as an audio file. Dictran is another company offering various types of dictation software. See

      You could attach a $10 computer microphone to your computer to record your own voice into your computer. Or for recording either your voice or someone else’s voice that makes a call to your telephone, you’d use a $2 or $3 telephone pick up device attached to your phone and to a tape recorder.

      Then whatever is saved on the tape recorder (or digital recorder) can be saved in your computer. With old fashioned tape recorders, you’d need an audio cable connecting your tape recorder to your computer while you use software such as Total Recorder to record what’s on the tape to your computer.

      Alternatively, use the newer digital tape recorders that allow you to plug them into your computer and save what’s recorded to your hard drive. The point is that you save whatever people say on the phone from your computer to a CD or DVD.

      The way you make money is to let people tell significant events in their life stories. They can talk about what they did at any stages of their lives. Or they can dictate love letters to a spouse for an anniversary present, or talk about plans, wills, testaments, events at various life stages, messages to relatives to be saved for future generations as a time capsule.

      They can record anything legal when they telephone you. They can even mail you audio tapes. What you do is save all these audio recordings on a CD or DVD and mail it back to them for a fee—$10 to $25.

      If you know how to scan a photo or save a video clip, you can quickly learn how to save the photo or video clip to the same CD or DVD along with their voice and the transcribed voice as text. That way, the text gets printed out on paper and put in a pretty folder in case relatives in the far future want to know what is on the disk but can’t play it. You have a time capsule. That’s one way to generate money fast using what’s around your home and helping people share memories and life stories.

      These specific strategies, examples, and techniques for living on less are divided into age groups. How to live on less at 18 or 28 would be quite different from how to live on $500 a month at 65 or at 85. Living on less with children is different from living on less as an empty nester in late middle age. Whatever your stage of life, there are specific strategies you can use to live on less and still live comfortably. If you want to work at home online, there are strategies for finding income.

      Living on less is available to those with book learning or street intelligence gained from experience. It’s a matter of using less processed foods and finding new housing alternatives. For those with children, home schooling and neighborhood-based education are two alternatives. Nutritious foods for less don’t have to be starchy or sweet fillers. You can grow certain herbs and vegetables in window sill planters or community gardens within urban areas, even if you don’t have a backyard or live in an efficiency apartment.

      In these seventeen chapters, consider the practical applications of how to live on less. It’s a matter of learning what you need, how to find it, and why you need it. You’ll also need to know whom to contact, when, and where to locate what you require to live on less.

      Quality depends on the basic materials. To live on less and have the quality of life you require for health, start with basic, unprocessed foods, clothing, and shelter. To earn an income without working for someone else or without investing huge amounts of money in a business, you need basic equipment. This equipment would be an industrial-quality camcorder, a computer with fast Internet access, and a laser printer.

      When you pare down to bare bones what you need to live on less, what you need to survive at home is a computer with Internet access in order to earn money at home. With fast Internet access for generating income, you don’t need a car, car insurance, or any other expense, such as gasoline costs to generate income.

      If you already own a car that’s in good shape, you can use it as an online and a mobile workplace for extreme telecommuting. Work online from your moving vehicle and travel the world wireless. If you use the bus to move around your area, don’t buy a car when you can buy a house for the same initial investment.

      As a practical example, I live on less as a retired (former) part-time university educator in creative writing. My income is $500 a month plus freelance writing income. Royalties from my books average about $800-$900 a year. Income from freelance writing averages about $300 a year from magazines. I could write more freelance articles to increase my income. In the past, through eBay, I sold everything in my house that I did not use, which netted me $2,000. You can sell on eBay for a living. Or sell from your own Web site if you offer a service that attracts high traffic.

      You can create online courses. If there’s a need for a course online in my field of experience, I teach it online as an independent contractor. My fields include creative writing, personal history, and genealogy. I’ll work in any field that someone with a general liberal arts education can comfortably handle. These fields include journalist and personal history, genealogy, and creative writing.

      When I need quick money, I take my camcorder, record people’s personal histories—significant life events and turning points—on DVDs or CDs. I give my clients copies of the disk, tape, DVD, or CD. They put the material into a time capsule, family prayer box, or scrap book. If clients want, I’ll upload their life stories on tapes, CDs, or DVDs to their purchased Web sites. I use Microsoft Front Page to upload to their Web sites life stories on digital video disks or CDs.

      To generate income, collect quotes from the rich and famous. Obtain permission to put the comments into an article, book, pamphlet, or booklet. Copyright your compilation of quotes in your name. Then compile these comments into a book or pamphlet with the byline, edited by-------your name. Questions many tabloids ask celebrities include What’s your favorite original recipes? Instead, ask powerful people, What’s the most important lesson you learned from life?

      Write to people you admire. Did you ever think of writing letters to 2,000 famous people asking this question, What is the most important lesson you learned from life? What if almost all the celebrities, physicians, billionaires, scientists, or famous authors replied with common sense advice such as, Make the most of what you have? You could put this title on your book, pamphlet, booklet, or article. Put their voices on a DVD or CD with the answer to that interview question.

      This is what marketing simplicity and commitment is all about—making the most of what you already have. It sells because it appeals to almost all people everywhere. The secret of doing well in business is to sell tangible and intangible items and services to people to help them make the most of what they have.

      People want to know what the most important lesson that remarkable and successful people learned from life. If you don’t want to write to 2,000 billionaires or celebrities, try asking the questions to dedicated teachers and others who spend their lives committed in service. Notice how many more books about the habits of the rich or famous sell than books about poverty. Why do you think people spend money to learn what lessons the rich and famous learned from life? Could it be to view what pitfalls to avoid?

      Comments from remarkable people as well as those who are rich and famous are in demand. What sells rapidly are answers to the question of what you’ve learned from life after achieving stardom, fame, fortune, contentment, serenity, peace, or any other type of success. You could compile all the lessons a lot of famous people learned from life on a videotape and sell it to the self-enhancement video distributors or distribute the tape yourself as a special interest self-enhancement tape.

      Making the most of what you have is the surefire way to move ahead one step at a time. While you’re moving, you want to look back at your roots to see how you’re connected to everyone else. Sure, people want to improve, but they also want to find their roots. And sometimes the paperwork is missing. That’s where DNA-driven genealogy kicks in.

      A field adjunct to genealogy is DNA-driven genealogy. Although a person can have a background in genealogy, working with a DNA laboratory report stretches the knowledge of the genealogist to learn new fields by reading in the field of molecular anthropology. Historians also would be interested in molecular genealogy.

      At each generation, the number of ancestors doubles. Every person has two parents, four grandparents, eight great-grandparents, and sixteen great, great parents. According to the Sorenson DNA Database Web site at:

      You don’t need a degree to prepare attractive covers and brochures which explain in plain language what reports on DNA for ancestry reveal to clients who have their mtDNA or Y chromosomes tested for ancient ancestry. What you need is a bridge to draw from the DNA report and from where the genealogy records stop.

      That bridge or time capsule would include a DNA report along with genealogy reports, photos, images, life stories on video disks and tapes, audio recordings, imagery, audio, and text.

      Put together in a mega-scrap book, this gift package becomes a time capsule. A time capsule is a new slant on a gift basket to be used by each generation who adds more material and moves the gift basket or container to the next generation. These practical examples are to show you how to make money at home when you need it, working mostly online or through online sales. The objective is to solve a problem for someone, to give benefits, and to show step-by-step procedures on how to achieve results. That’s the way to live on less and make money when you need to without a steady job, particularly after your retirement or after age 70+.

      Living on less is for everyone at any age. Particularly, it’s for those who have retired without a pension, insurance, or much savings and are ages 65-85+. It’s also for the younger person starting out and for the growing family that wants to work at home.

      Living on less also is for the empty nester who wants to travel for free or stay at home and earn money through play activity. This book is for all those who have no form of employment or income, who are not employed or earning income at the present, and for those who have had to retire without pension, savings, insurance, or security perks. It’s for those who simply want to know how they can live on less.

      For those with young children, using basic foods costs less. Home schooling may be a family project or a neighborhood project, if a group of families with young children who have similar interests such as science, math, writing, languages, ethnic culture and language, religion, music, or art training join together to home school children with similar interests in that subject—such as music, art/ design, journalism, engineering, or science.

      I choose (after age 65+) to live on less for the power in the freedom of independent learning and to understand nature. My choice is built around my lifelong interest in writing full time and working as an independent contractor in my own home-based online information business.

      What does living on less mean to you? Do you want to share communication for income? Living on less for me means never having to retire because you earn money when you want by sharing practical applications of your imagination. Joy and income are derived from sharing information.

      Never work when you can play and earn income. In the past, I worked as an educator, spending my days and evenings grading students’ communications, English, and writing assignments to earn the same amount that I can earn freelance writing magazine articles, columns, books, and creating courses online or producing life story videos on DVDs.

      This type of independence is not for everyone. The choice has to be made: a steady paycheck as a university instructor or little income and no security as a freelance writer? Both choices allow you to remain an educator after retirement.

      Would you choose a steady paycheck or the open road as a freelance independent contractor? Do you find joy in balance or extremes?

      Sell practical applications of universal archetypes and proverbs. To make money in the media, find out what people fear or love most. Do the opposites paired include the skeleton within versus ageless vigor? Some

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