8 ways to increase your income

With credit drying and the economy are sinking, more Americans are relying on their savings to make ends meet - even after slashing its costs - according to a survey by Country Financial, a group of insurance and financial services companies.

And Americans who rely on their savings the most are young people, with 58% of them use their reserves.

This news is disturbing, because, let's face it, most Americans - especially those of us just to start - not much savings in the first place. And talk accounts such as 401 (K) and S IRAS could be costly consequences of an early lifting of sanctions to reduce the compounding of return (see "Do not take the issue").

So that tied the man to do? First, if you have not looked at ways to reduce costs, check out our ideas bevy of "91 ways to save almost everything." (Also see "How to build your first budget.") Then, if you're still coming up short, you RAID security net savings, consider adding to your income with these eight ideas:

1. Sell your garbage
One man in the trash is a false treasure. A website gives girth to hold a virtual garage sale. For example, a few hundred dollars from the sale of old books at Amazon.com.

Craigslist and eBay and other large sources of Hawking your goods online, from old furniture and equipment for fitness and apparel collections. And gold prices hovering near record levels, it can even sell your old jewelry.

You can also find buyers for your old tech equipment for reuse or recycling. For example, CellforCash.com pays up to $ 100 for mobile phones that are used depending on the model. A Hewlett-Packard offers a trade-in program that allows you to swap your old computer and other tech gear for the money, even if they are not HP. Before selling a computer or other gadget with personal information on it, wipe clean the memory. See Kiplinger in "What can I do that with its high-beens" for more information.

2. Get the job
This may mean getting a second job, or it may mean getting a first job to hold you until the labor market recovers, and you can land your dream position.

Retail, restaurant and customer-service jobs are a prime target. You can also search for part-time or short-term gigs on Craigslist for small income stimulates. For example, we found odd jobs such as stuffing envelopes for two days, and to assist in every nursery in the holidays. (For details, see "Need odd? Give blood, watch porn" and "20 ways to make more than $ 100 a month.")

And if you are unemployed, because you're already waiting for the right opportunity, you can Bide your time and still bring home a salary of full-time or part-time "steppingstone" to work with an employer that offers good benefits.

3. Sell your skills
You may have skills that someone is willing to pay. For example, you can teach music, art or needlework? How about a regular dog-walking or babysitting concert with a neighbor or family member?

If you are academically minded, it is possible to mentor students. It may also be a mentor, if you know another language, or you can find a flexible translator. Ask yourself what you're doing well and are creative.

4. Reorganization of your rent
If you are living alone, getting a room can increase your income (and reduce some costs in half). You may consider renting other premises such as a garage for your storage or parking for the public transport if you live close to public transport.

Another option to consider the apartment management. In exchange for maintaining the home and deal with people, you can get free or discounted rent. You can find an apartment, as a rule, the management capacity of the working lists.

5. Claim unclaimed assets
States sitting on billions of dollars in unclaimed assets, including loss of bank accounts, improperly bonds and securities, dividend checks uncollected utility deposits and unclaimed life insurance benefits, according to the National Association of Real Estate Administrators. Check MissingMoney.com, free web site to see whether the money belongs to you.

6. Adjust your withholding tax
If you receive a tax refund last year, and your financial situation has not changed much, too much tax is currently withheld from your salary. Try our easy to use calculator to figure the correct amount of benefits you can claim to be raising your hand to pay. All you need to do is file a new Form W-4 (. PDF-file) with your employer.

You can also adjust your withholding allowances if you are married, have children or bought a house last year.

7. Payment for the material you are still
You have to buy things - food, gas, medicine, etc. - So why not buy them at a discount card to get cash back in your pocket? (See "15 most rewarding credit cards.) Just make sure that pay off your balance each month so you do not accrue interest.

You should also make sure that you get so much of your savings as you can. Do not park cash in a traditional bank account earn money on the interest. Instead, go with a high yield online banking account. Most of these payments in the range of 2% at present. (See "Where to save cash now.")

Plus, if you travel frequently for work, consider the use of their credit card to purchase flights and submit for reimbursement (if your employer can pay you back within 30 days if you do not have to pay interest). Thus, you can get more credit card offers points on the top of the free-flier miles for your personal use.

8. Hit up Mom and Dad
Moving back home (if your parents are ready to take you to) for a short period of time is another way to put more money in your pocket to help with the hard ground. But the fact that a request for Mom and Dad or a close friend of the site you cash right?

You can increase your chances of getting help if you're looking for, you approach a business transaction. If you ask for money, the next thing out of your mouth should be, and, behold, I will pay it back. " You can even offer to pay interest and set it up as a public, though administered by the Virgin Money credit.

It also helps if the move represents a rare instance - say, to you through separation, divorce, health crisis or other short-term cash crunch. If you're constantly hitting up friends and family for money, you need to address the root problem of cash and fix it, or you can find friends and broke.

If your friends or family do not say, respect their decision. Loan money may simply be beyond their level of comfort. This does not mean that they love you less, and may simply mean that they do not want to risk straining your relationship.