I would recommend a Budget Analysis for anyone that is having problems with paying their bills or anyone that consistantly pays their bills late. Also, if you have problems organizing your bills or would like to reduce your debt, a budget analysis may be helpful.

The next step is follow-up. No matter how thorough your budget analysis, you are going to have questions along way. It is important that whoever is doing your budget analysis are available to answer these questions for as long as you need help.

A Budget Analysis is not answer to all of your problems. It is going to take time, organization and discipline to get your finances in order but it can point you in right direction.

Now lets get into some possible ways to bring in more money. Everybody I know has a talent that has potential to make extra money. Even things like holding a monthly yard sale can bring in some money. I would suggest that if you need some extra income that you sit down and think about what talents you have. Then try to picture how you could use those talents to earn money.

My daughter, a stay-at-home Mom, wanted to earn some extra money. Just recently she brought some pictures to my house that had a magnetic backing, perfect for displaying those cherished pictures on refrigerator. After we discussed it we decided to make this service available on web. The easiest thing to do is to forward pictures as attachments to email so that is way she going to start. A customer places an order and sends pictures, she prints them using software she has on her computer and mails pictures. Eventually, she will get a scanner and customers will be able to mail her their pictures. Presto, she has a service that almost everyone would like to have.

This is just an example of taking what you have and making something out of it. No, you may not make a lot of money at first but it is money that you didn't have. Try to find something that doesn't cost you a lot to get started.

Just one caution. There are almost as many scams on internet as there are users. A rule of thumb if you are going to try to earn money on internet: If you have to pay to make money with their offer then it's usually not a money maker for anyone except them.

Now, back to topic. There are a lot of us having money problems and not all of these can be solved by cutting expenses or earning a little extra money. What can solve many of problems is knowing what state your finances are in. Prepare a budget and stick to it. Look at it often especially before you make any major purchases. Know whether or not you can afford what you are buying. Put money aside to cover unexpected expenses. If you don't have it, find it.