Busy housewives and retired workers - anyone who wants to use their limited time effectively.

You can also use these lists to keep you focused on what really needs to be done, and keep you away from un-important tasks that have no value.

The result - more time to do what you want!

1. Make It A Daily Record

Every day you should make a " To Do " list. You will find it invaluable in helping you decide where your priorities lie.

2. The Nuts and Bolts of Your " TO DO " List

Write down all your outstanding tasks on a sheet of paper,then carefully go through deciding if an item is to be graded as :-

A. Urgent. B. Important but not urgent. C. Not urgent nor important.

Within categories A and B it will be necessary for you to prioritise so most urgent task becomes A1, then next becomes A2 etc.

Similarly with set of tasks you have decided are B.

This is not necessary with C tasks of course.

Some people prefer to color code items instead so with such a system A tasks may be colored red, B tasks blue etc.

You may choose whatever colors have meaning for you. It really is an individual choice.

3. Using " TO DO " List

Each morning you must update your "TO DO" list.Bring forward A,B,and C items not completed day before on to another sheet of paper.

Add new items to lists after considering carefully where each new item should go.

So what is key to earning a steady monthly income online?

1. You must have multiple streams of income.

You've heard that old adage " don't put all your eggs into one basket " The same holds true when you are running an online business. To insure a steady flow of income each month it is extremely important to have multiple streams of income.

2. What are multiple streams of income?

Good question. Basically it is when you have income coming in from more than one source at a time.

Imagine having 3 jobs with 3 paychecks. If this were case you would have multiple streams of income. Lucky for you this is not type of income streams I am referring to. I just wanted to give you basic idea. Now in an online business it is much easier to achieve multiple streams of income and it doesn't require that you hold down more than one job. I bet your relieved to hear that!

3. How do you get multiple streams of income?

I know what you may be thinking "it's hard enough to keep one income coming in how am I going to manage to get multiple streams coming in at same time?" I'm glad you asked. It's really not as complicated as it may sound.

As a matter of fact if you have your own business website you may already be earning multiple streams of income.

If you sell a product or a specific group of products and you also sell advertising on your site then you are earning an income from two different sources. Are you earning commissions from an affiliate or partner program? That is another stream of income. If you are generating profits from backend sales add that to your stream.

So as you can see it's really not that difficult to earn multiple streams of income.