How to Learn the Value of Money (5 Steps)

Don't use credit cards. When you use credit cards, you don't feel the immediate cost impact of your purchase. When you pay for all of your expenses with cash, you see it quickly diminish and realize how quickly the cost of things add up.
Make a budget and stick to it. Set an allotment for donations to charity and set aside up to 10 percent for savings if you can afford it. Evaluate your budget every week and see how much you have strayed off course or how well you have done.
Talk to people who don't have a lot of money. If you have enough money that you can afford almost everything you want, it may be hard to understand the value of money. Ask someone who doesn't have a lot of money how he is able to pay the bills.
Earn an income and figure out how long it takes to earn the money to buy something. If you make 10 dollars per hour, when you go to buy something that costs 30 dollars, such as a nice dinner out, think about how it took more than three hours of work to pay for that dinner.
Look at your paycheck and add up what percentage goes to pay for taxes. Consider what those taxes could have purchased if you had the money. You will see how quickly money is spent without even knowing it. You don't have a choice about taxes, but this should encourage you to make the best choices with the money you do have.
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How to Make Money Selling Energy Bars

Find a wholesaler of energy bars. The first key to any business involving the resale of products is a relationship with a wholesaler. The retailer must buy at a lower price and sell at a higher price. This usually involves buying in bulk, so entrepreneurs on a limited budget need an energy bar wholesaler that has low minimum purchase requirements. Some wholesalers also require proof of a business license, which can usually be acquired through the local court house.
Visit local stores and negotiate a contract with those who do not stock the energy bars of the chosen wholesaler. Convenience stores and health-food stores often stock these items. Set a price between the direct wholesale price and the suggested retail price. This leaves room for everyone to profit.
Visit local gyms and supply them with the bars. Gyms often sell health products at the front desk or check-in area. Working out and mingling with the gym members is another good way to find customers.
Negotiate deals with personal trainers. Trainers can prescribe both a diet and exercise regimen for their clients. They can include energy bars in that regimen, so trainers provide a steady supply of potential customers.
Make money with fundraisers. These groups include youth sports teams that traditionally have sold junk food like cookies. Emphasize that energy bars provide a healthier alternative.
Supply bars at sporting events. These events usually buy directly from a local store and sell at a very high price. Arrange an even lower price than local stores to increase the chance of cutting a deal.
Start a website and affiliate program. Affiliates can refer their visitors to the website. The website owner then pays a portion of each sale to the affiliate who referred the buyer. Use a merchant provider with affiliate management to run the affiliate program. Promote the affiliate program through affiliate directories.
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How to Make Extra Money Cleaning Houses

Gather your essential cleaning supplies. While many customers will provide the cleaning tools for you, such as a vacuum cleaner, you'll want to have items on hand anyway. The basic cleaning toolkit should include a mop, broom and dishpan, dust wand or cloth, vacuum cleaner, paper towels and cleaning products. The main cleaning products are dust spray, window cleaner, carpet spot-treatment spray, bleach and all-purpose anti-bacterial spray. These tools should cover most cleaning areas, including living rooms, kitchens, bathrooms, windows and mirrors, and floors.
Set your pricing structure. You can choose between charging by the hour, by the room or by the home. Research the market rate for local cleaning services by looking up rates on other cleaning business websites, or by calling your competitors and acting like a prospective customer. You also might want to break down your prices by the actual type of cleaning service. For example, if your customer wants you to steam clean her carpets, and you have to rent the machine to do so, this type of service should cost more than regular vacuuming.
Decide upon your cleaning hours and schedule. If you have other commitments, such as school, a full-time job or kids, then you don't want to overbook yourself. You should reserve specific days and time slots that will be available for your part-time cleaning gig. For example, you can reserve Tuesday and Thursday evenings, as well as Saturday afternoons for cleaning jobs.
Create your customer base. Reach out to friends, family members and co-workers and let them know that you're looking to find cleaning work on a part-time basis. Call local nonprofit organizations, such as women's shelters and churches, to find out if they have any cleaning needs. If you don't have any leads from any of these groups, consider calling an established cleaning service and applying for part-time work. You can also post your services on free online job boards, as well.
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How to Make Money With Rising Interest Rates (5 Steps)

Buy an inverse or short bond fund exchange traded fund (ETF). As interest rates rise, the prices of long bonds will fall to reflect the higher yields. The price of an inverse or short bond ETF like the ProShares Short 20+ year Treasury (TBF) will go up as the price of the bonds goes down, enabling you to profit from the price drops.
Ensure that your savings accounts or other interest bearing bank accounts are all variable-rate accounts, so that the interest rates will rise in line with the market.
Set up a 'bond ladder' with your CD investments. This means that you invest in a series of CDs (certificates of deposit) with different maturities. As each one matures, you reinvest in a slightly longer maturity again, keeping the ladder intact. When interest rates rise, this ensures that you will have CDs maturing soon after the higher rates come in, enabling you to quickly reinvest at preferential rates.
Invest in floating rate notes (FRNs) rather than fixed-rate bonds. These reset their interest rates at set periods, usually every three months, based on a predetermined formula. This is usually a margin over London Interbank offered rate (LIBOR).
Ensure that your equity portfolio is concentrated in sectors that will benefit, or at least not suffer, because of rising rates. These include financials, as banks benefit from the wider spread between the rates charged to borrowers and paid to savers as underlying rates rise. Consumer staples also hold up well in times of rising rates. Demand for products from companies such as Coca-Cola (KO), is stable at such times.
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How to Make Extra Money with Massage (5 Steps)

Offer your massage services to a raffle or charity fundraiser. By donating a couple of hours of your massage time in the form of two massages that can generate funds for a good cause, you get free advertising, new potential clients and generate interest in your services.
Set up a neck and shoulders massage at local events. Summer time is a great time for town center events, street fairs and celebrations. Talk to local businesses about setting up a chair massage. These can be popular in bath and lotion shops, particularly if you use their products. You make some extra money and they get customers.
Print out business cards. VistaPrint offers 250 to 500 business cards for a low price. Offer a discount first massage on the business card and leave the cards at local businesses. This generates potential income.
Bring your own supplies for sale. Working for yourself means you make extra money, but you can also advertise other massage products, lotions and oils and make money that way.
Listen to what your client wants. If the client wants light pressure, give them light pressure. If they want to chat, chat. If they want total silence, give them total silence. In a service industry, you make more money off tips when your clients are satisfied and get what they want.
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How Can I Find Out How Many Points I Have on My GameStop Card?

Go to www.PowerUpRewards.com.
Click the 'Login' link in the upper right corner to go to the login screen.
Enter your email address and password to log in. If you are visiting the site for the first time, click the 'Activate' button to set up your online access, fill out the required fields and click the 'Submit & Continue' button at the bottom of the screen.
Determine whether you have activated your card. If you haven't, a banner appears with a link to activate. Click the 'Activate' button, enter your email address and card number. Click the 'Continue' button.
Look to the left side of the screen for a small banner titled 'Points Balance.' Under it is the number of points available for use.
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How to Make Money with a Blade Sharpening Business

Purchase sharpener. Expect to spend up to $500 on a good blade sharpener. Keep in mind that depending on where you perform the service, the sharpener may have to be moved from one location to another. With that in mind, buy a high quality, easily portable sharpener.
Set fees. Offer package deals. For instance, sharpen 5 pairs of scissors for $20. Potential customers may find the package deals so intriguing that they may take advantage of package deals by getting family and friends' knives and scissors sharpened.
Advertise service. Place ad in Yellow Pages. Advertise in local newspapers.
Get customers through networking. Create mutual business relationships with kitchen and restaurant equipment suppliers. Arrange to have your fliers distributed with new equipment. In exchange, distribute the equipment suppliers' brochures when you make service calls.
Make cold calls. Contact restaurant owners, craft stores and fabric stores. Inquire about knives, cleavers and scissors that need sharpening.
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How to Sell Jewelry

Have the jewelry appraised. This is especially important if you do not know much about the value of stones or are not good at telling gold and silver from plated jewelry. Knowing whether you have costume jewelry or the real deal to sell can make a big difference in what you can expect to receive for the pieces.
Set your price range. This basically means you determine the least amount you are willing to accept in payment. At the same time, set a higher amount that you believe the piece could sell for. This provides you with some room to negotiate if necessary.
Look for local outlets that will purchase the jewelry. This is a great option if you want to sell the pieces quickly. Consider pawnshops, but don’t expect to get top dollar for your items. You might also want to check with local jewelers, who may provide a better offer if the jewelry is distinctive in some way.
Check out consignment deals in your area. Many jewelers will offer to sell the item for you on a consignment basis. For their effort, the jeweler will keep a specified percentage of the final sale price. If you are not in a hurry to sell the jewelry, this may be an ideal option.
Take out an ad in the local paper. Many local newspapers provide free classified ads for items people want to sell. Keep in mind that some do have a cap on how much you can ask and still run a free ad. However, even if the ad costs a small amount, it could yield several offers in a short period of time.
Auction the jewelry online. For very little cost, you can set up an auction on any one of several different auction sites. Most allow you to set a minimum bid that you will accept for the item. When local outlets do not seem to work, offering the item in an auction allows you to offer the jewelry to a wider audience. Including a couple of digital images of the jewelry will enhance your chances of attracting attention.
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How to Make Money on eBay as a Full Time Seller

If you are new to eBay, you will need to open an account and learn how the site works. Visit to take the eBay Seller Audio Tour. (Visit http://pages.ebay.com/education/howtosell/index.html)You will also want to buy a few things on eBay before you try to sell anything. You will need to build your feedback score. Most customers are not comfortable buying from a seller with zero or very little feedback. Take some time to learn about the site and establish your reputation.
Next, decide what you will sell. Investigate different options for obtaining your inventory. (See my eHow article titled, 'How to Decide What to Sell on eBay.')
You do not need to work with a drop shipper or wholesaler. You can easily find items to sell at thrift stores, garage sales, flea markets, consignment stores, drug stores like CVS and Walgreens, and WalMart. See the articles on the sidebar for further information on where to find your inventory.
Start off small and slowly. Experiment with different products to find out what works best for you. Set goals for yourself regarding how many items you will list each day or week. Once you start making a profit, reinvest the profits to purchase more inventory and grow your business at a rate you are comfortable with. Ease into your eBay business, you cannot build it overnight.
Have a back-up source of income for the first few months. You may want to take on a part-time job to supplement your eBay income until your business takes off. eBay is like retail - it is cyclical. Some months will be better than others. Your eBay income and profits will fluctuate from month to month. Give yourself some time to understand the cycles of eBay and how the money flows before you depend on eBay for 100% of your income.
Don't put all your eggs in one basket. The consumer market can be unpredictable. Offering a variety of products will enable you to cross-sell to existing customers, as well as attract new customers. For example, if your main product line is clothing, you may also want to offer shoes and accessories. If your main product line is baby items, offer maternity items, prenatal vitamins, early childhood learning products, or child safety products.
Be prepared to evolve with eBay and the changing consumer market. If you don't have success at first, don't give up. Most eBay sellers fail because they give up too quickly. Ask for help. Try different products. Do research on the internet. There is no one magic product that sells for big profit all the time. (If that was the case, everyone selling on eBay would be rich.) Don't be afraid to experiment and try new things. You may have to adjust your key words, change your photos, revise your item description, or fine-tune your pricing to find a formula that works. eBay is about evolving with the market, understanding what customers want, selling the right products at the right time, and experimenting.
Expect to work at your eBay business just like you would at a traditional job, maybe even more. Many people think that eBay is just sitting at a computer watching the profits roll in. Nothing could be further from the truth. Many sellers fail because they expect success (and big money) too quickly. It takes time to build your eBay business. Be patient, work hard, put in the hours, and the money will come.
Find support groups and talk with other sellers. If you are having a problem with a customer or an issue with eBay, chances are that another seller has 'been there, done that' and can offer advice or a solution. Don't be afraid to ask for help - plenty of experienced sellers are out there and are more than happy to help a newcomer. Look for eBay groups on Facebook, Yahoo Groups, Google Groups, and the WAHM.com message board.
Continue to educate yourself. Read blogs about eBay selling, check the eBay announcement board, listen to podcasts, look on YouTube for videos, and network with other sellers. eBay changes every day. Keep your eyes and ears open for news about the eBay marketplace that may affect your business.
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How to Earn Respect as a Substitute Teacher

Dress professionally, even for a relaxed school. Children make quick first impressions, and casual clothing may signal a casual attitude to the students. Use professional clothes to set a tone of authority when you walk into the classroom.
Write a list of rules on paper. Keep the list brief, as the students need to remember all of the rules you set that day. Set at least three to show you are serious and to maintain control over the classroom. Bring the paper with you to the class as a reminder.
Arrive at least 30 minutes early. Read the school and classroom rules. Not knowing and not following the same rules the children do loses you respect. Use the regular teacher's planner to determine where the children are in their studies.
Introduce yourself clearly. Maintain eye contact and use a firm tone of voice to convey authority to the students. Go over the rules you wrote to establish order and expectations. Write them on the whiteboard or put them in a visible place.
Ask the students if you are unsure about a classroom procedure or matter. Students might be more likely to respect a substitute teacher who asks for assistance rather than trying to guess.
Keep a positive attitude. Do not yell at students or make negative remarks about the school or regular teacher, even if you have reason to do so.
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