Ideas To Make Money Without Investment


Making money is something everyone wants to do.  But can everyone stand in a queue, attend numerous interviews and do a nine-to-five job on a daily basis. There are many who want to venture out on their own and start a business. Starting a business can give one the freedom and exposure that is required to bring out the hidden talents.

However, a business needs investment and not everyone can invest upfront and wait for the returns. This is one of the main reasons new talents are hidden or vanish quickly. They don’t have the resources and are scared to step out of their comfort zone due to financial responsibilities.

Don’t Invest

Are there options for one to start a business without any investment? Yes there are many. Here are a few simple ideas one can put to use and make money without investment:

Fitness – Today everyone wants to be fit. Almost everyone at all age groups is health conscious and wants to try out new routines to keep them fit and happy. Being this the case, one can start conducting classes based on what they have learnt.

Tai-chi, yoga, aerobics, Zumba, general cardio workouts, etc can all be done outdoors. Use your very own backyard or use the nearest park or garden that is open to the public. Not only will you get a good crowd but will have a steady flow of people attending your sessions, which is important to keep you motivated.

Once you have a steady crowd, you can start charging and move to a private place which will require a small deposit. This money can be paid out of your monthly fees itself.

Sketch – If you are a talented artist, you can always sketch for people on a free lance basis. This requires hardly any investment because you can do the initial portraits and painting with the supplies you already own. Take the money out of your first sale and buy more materials. Slowly yet steadily, your business will grow.


There are many more such options for one to choose from. one must be ready to experiment and take a risk as that is when the best in us comes out to the surface.

7 Tips for Dealing with Debt Collectors


No one likes being in debt, but if you find yourself with debt collectors at the door or on the phone then here’s my top 11 tips for dealing with them.

  1. Don’t Panic. Seriously, don’t worry. There’s always ways of dealing with any problems that arise in life and nothing THAT bad is going to happen to you, I promise. Take a deep breath, relax, and read on.
  2. Get everything in writing. Get everything sent to you in writing. Don’t accept anything over the phone.
  3. Dispute the debt. If you feel that you don’t actually owe the money, then send the collection agency a letter in writing disputing the debt. If you do this within 30 days of receiving the notice of the debt, then they cannot legally contact you.
  4. Keeps good records. It’s crucial that you keep a record of everything. Letters, phone calls and visits. Even if you think it’s a small thing, keep a note of it. You never know how significant something may be in the future towards building your case.
  5. Don’t say anything. This is a big one. Do NOT give away any information to debt collectors or agencies over the phone or in person. They are trained to use fear and intimidation tactics to get you to buckle, or to give up incriminating information that can be used against you. Say nothing to them and ask them to communicate in writing so there’s a paper trail.
  6. Don’t be pressured: As I said above, they will try to make you buckle under pressure. Stand firm and don’t make any decisions on the phone or in person with them. Assess everything carefully when you’re feeling calm and make an informed decision after that.
  7. Never get emotional: They will do their best to make you emotional. Remember it’s not personal even though it feels that way. Stay strong, calm and logical.