1. Get a second job - There are tons of part-time jobs.  Just remember to consider the extra expenses you might incur while working a second job; If you're eating out every night because you're working 14 hours a day and no longer have time to cook for yourself, or incurring additional expenses for clothing, or transportation because the new job is across town, or the extra income has bumped you up into a much higher tax bracket… you get the point.

2. Cut back on spending - This is usually the easiest and quickest way to create more cash, and it's something everyone can do. If you’ve already sized down and cut back as far as you can, I challenge you to look further. Write down all of your spending for a few weeks and undoubtedly you’ll find something else that can be cut.  No matter how small the savings may be, every penny counts. Example-- Take your own coffee instead of buying at coffee shop.

3. Cancel subscriptions to magazines - You can read most online or get them at the library.

4. Stop buying new books or renting videos - Find something good to read or watch at the library instead, for free! 

5. Use those coupons! - When you toss those weekly coupons out with the trash it's almost like throwing away CASH. Take a few moments each week to cut out just the coupons you can really use, then look through the grocery store advertisements and match your coupons to the sales, saving double!  And if your grocery store doesn’t offer a double coupon deal, try to find one that does.

6. Forget your loyalty to name brands - You can save a fortune buying store brand foods, which are almost always just as good.  Especially when using the item in a recipe with other ingredients – no one will notice the difference. You don't have to commit to buying them for the rest of your life, just try them!

7. Combine errands into one trip - I've used this little trick for years.  The more errands you can combine into one weekly trip, the more gas money you will save, therefore creating more cash.

8. Stop buying expensive gifts - When you need to create more cash, spending money on expensive store-bought gifts for your family and friends, or even yourself, doesn’t make much sense. Your homemade gifts from the kitchen etc are a great idea.

9. Cancel memberships to health clubs - Walking is one of the best exercises for you anyways, and it’s free! If you don’t have an area near your home that is good for walking go to a local shopping mall.

10. Create cash by selling your unused items online - Selling items on eBay can be a little time consuming, but I've sold alot of items we no longer use and are in great condition and the bonus of making extra money is the decluttering!

11. Have a garage sale or work with consignment stores - When dealing with consignment stores, make sure they are reputable and have been in business for a while.   You could even start your own business by helping other people sell their stuff - if this is something you enjoy doing.

12. Sell your handcrafted products for a profit - The list of items you can make to sell is endless – dog houses, book cases, bird houses, painted mailboxes, plants, quilts, crocheted baby blankets, cloth diapers, pillows, baked goods, homemade bread, jelly, Christmas ornaments, toys, picture frames… you name it!  If it’s something people want or need to buy, you can make it and earn a nice profit!

13. Offer services or start a home business -  such as childcare, senior care, tutoring, music lessons, sewing, typing, lawn care, housecleaning, pet sitting and even personal shopping.  Have some inexpensive business cards printed announcing your services and hand them out to everyone you know. 

14. Have a bake sale with lemonade while you are having a yardsale.

15. Give with a pure heart - When giving, do not give to make money or earn favor… “Give, and it will be given to you. A good measure, pressed down, shaken together and running over, will be poured into your lap. For with the measure you use, it will be measured to you.” Luke 6:38 (NIV) 

And that could be more important than anything else you do, not just for creating more cash, but also for living a better life!