How To Start A Business With No Money: How Would I Start From Scratch?

By Spencer Haws |

Imagine if you woke up tomorrow with no money and no business. What would be your first steps to start building a profitable online business?

Perhaps for some of you, this might not be that hard to imagine.

Today, I would like to answer this hypothetical question: “What would I do if I were starting over today with no money and no existing business?”

How To Start A Business From Scratch

Believe it or not, this question isn't that hard for me to answer.  I boot strapped all my own business ventures, and a decade ago, I really had no money to speak of to kick things off.

So, let's jump right into it: here's what I would do to start a business with no money.

I Would NOT…

If I was considering a brand new business, and I had not run any previous successful ventures, I would not seek outside funding.

In other words, I would NOT:

If you have savings…great!  You can use your own savings if you want to fund your own business.  However, this discussion is for people that don't have any savings to speak of…now what?

Building A Business With No Money: Take The Stairs

We've all been there.  No money in the bank, and your day job is barely covering expenses.  How in the world are you supposed to start a business empire?!

Well, you need to start small and grow from there.  You need to take the stair step approach.

In other words, you need to find some way that you can bring EXTRA money in the door without investing money that you don't have.   Only once you have some seed money (even $500 can be considered enough seed money in some cases), can you then invest more into your business idea.

Here's a few ways that you can bring in extra money each month, outside of your full-time job:

The one thing that you notice about most of these ideas is that you will be trading your time for money.  Ideally, you can get away from trading your time for money as soon as possible and move on to building a business that works whether or not you are working.

Once you have some seed money, you can then step up your business.

The Next Step Up…

After I did one consulting gig and made $600, I decided that I never wanted to do consulting again.  So, I took that $600 and invested it into building out niche websites.

I then took some of the money I made from niche websites, and started Long Tail Pro.

Along the way, I've taken some of the income from Long Tail Pro and invested in other websites, Amazon FBA products, and other business ventures (some have failed and some have not).

I now have a few revenue streams and a nest egg that I can use to invest in future ideas that I will surely have.  I've never borrowed any money or gone in debt to grow my businesses.

This is the exact same approach that I would take if I were to start over again.

Take your $500, $1000, or $10,000 that you have and build a business that has more potential than a one-time or short term freelancing gig.  What business idea to invest in is really up to you at this point, but your first business venture should probably be something small that you can quickly see returns on.

What you start could be a number of things:

The key advice that I would give at this step, is that I would start small.  Again, I would not invest my life savings into something; especially if you have never started a business before.

Rob Walling actually wrote a great article about this type of stair step approach and shared some great examples of people launching simple products.

The Grand Finale…Kinda…

Once you've launched your first product; hopefully, you will start seeing some money come in the door whether or not you are working.  If you have the right systems in place (pretty easy to do online these days), people will be buying your product or software whether or not you are at your computer.

This first product still might not be enough to quit your full-time job yet.  So, you need another step up.

For your next step, you may decide to go a bit bigger.  Create a new software (or website or other product), that has a bit more market potential.  Find an idea that you think can make you a full-time entrepreneur and go for it!

You now have money to invest (because you've been smart about saving the extra income from your first venture instead of blowing it on a new car or eating out at the Cheescake Factory every night).

Take that money and invest in something bigger, or perhaps invest in multiple “small” ideas.  The key now is to learn from the mistakes that you've surely made on your first venture and you should have more success in your next one.

This new business could be your grand finale!  The one that allows you to quit your job and feel comfortable super sizing that drink without even batting an eye.  Congrats!

Or you might just become a serial entrepreneur that enjoys the constant challenge and excitement that comes with launching additional ventures down the road.

How To Start Your Business With No Money

Wherever you're at on the business staircase, there are a few steps you can take to get started or improve your current position.

Find Your Business Idea – Help Someone Out

Here's something that's free and will help your business grow forever.

Your first step in starting your business on a budget is to find your business idea. This should not be based on your passion. Instead, it should be based on what someone needs.

Here's an example. Let's say that your passion is a coffee shop. You've always wanted to start one and a building in town just came up for rent. It's in the perfect location, the rent isn't too high, and you think that you can make a go of it.

But there's already a Starbucks down the road and two other coffee shops within a few miles of you.

Do you think there's a need there?

No. There isn't.

But what if those coffee shops could get fresher, better-tasting coffee beans faster than from their suppliers? Now you've found a real need.

Your business idea shouldn't be based on your passion, but on what the world needs. The accountant I mentioned needed a website. I didn't enjoy building websites for others (and didn't do it more than once) but that's what he needed. He paid me, and I used that money to start my successful businesses.

To find what people need, listen to the language of pain:

When you hear things like this, that is someone who is begging for a solution. They want a faster, easier way of solving their problem. 

So get on out there, tiger. Start by forming a list of ideas for needs that have to be solved.

Execute, Execute, Execute

Now that you have your need-solving business idea, it's time to execute. 

And the number one thing that separates awesome businesses from failed businesses is the execution. I know how it is: you start off so excited and thrilled about your new business. Things are going to go so well, you just know it. You picture how it's going to look years down the road.

And then three months later, you're worn out, tired of trying, and feeling like you don't have anything left. You're discouraged. The fire is out.

Here's some advice: consistency is more important than intensity. 

It's more important that you do a little bit of work every day than that you spend one month and go all out. Consistent work over time beats extreme work over a short period of time. Feel free to give it your all, but don't do so in a way that leaves you tired and frustrated.

It's better to work a little bit every day. Don't wear yourself out. Remember that we're in this for the long haul; you want your business to be standing 5 years from now. 

Consistent effort is key.

Remember, Patience is a Virtue

None of this comes easy or quick.  You can't simply start with nothing in the bank and expect to be quitting your job 3 months later.  It just doesn't happen that way.

For me, I struggled to find my right “niche” for about six years before I quit my job.  I launched several ventures that never worked out.  I stayed up late writing articles for websites that totally flopped.

However, I stuck with it until I started seeing some initial success.  Once I saw some success with my niche websites, I doubled down on that approach and turned it into a full-time gig on March 11th, 2011 when I quit my job as a business banker.

It's now been nearly 6 years since I quit my job back in 2011, and the pain and frustration I felt before I quit my job isn't as fresh anymore, but boy am I glad I went through all of that!

I've learned some valuable lessons, and now I'm lucky enough to have built and sold a very successful software company and currently sell several successful products on Amazon.  (I also have a few other websites that I work on as well).

So, just remember that patience is truly a virtue.   Those that are willing to patiently and consistently think through their potential business problems are the ones that are likely to eventually succeed in starting a business with little or no money.

This could take you years, but it's better than the alternative in my opinion.

Sure, you could keep working a job that you only occasionally care about.  And that's pretty much the worst case scenario in this stair step approach.  If you fail, you still have your job.

If you DON'T take the stair step approach, you might take your live savings, quit your job, and borrow a bunch of money from the bank.  If your big idea fails at that point, well, you are MUCH worse off than if you had taken the approach that I recommend here.

So, now it's up to you.  What will be your first step?

Start a Business | 83 comments

By Spencer Haws

Spencer Haws is the founder of After getting a degree in Business Finance from BYU (2002) and an MBA from ASU (2007) he worked for 8 years in Business Banking and Finance at both Merril Lynch and Wells Fargo Bank.

While consulting with other small business owners as a business banker, Spencer finally had the desire to start his own business. He successfully built a portfolio of niche sites using SEO and online marketing that allowed him to quit his job in 2011. Since then he's been involved in dozens of online business ventures including: creating and exiting Long Tail Pro, running an Amazon FBA business for over 3 years and selling that business, founding, and co-founding You can learn more about Spencer here.

Want to learn step-by-step how I built my Niche Site Empire up to a full-time income?

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miss you sms

Impressive! Thank you so much for sharing this.


I’ll get back to you when I start making money… 3:)


I completely agree, and this is the approach I’ve been taking: consulting on the side while I build my niche sites. It’s great to read and hear about people who have started with absolutely nothing and built their business step by step, dollar by dollar. You learn far more and build more skills than simply walking into your local bank and applying for a loan!

Spencer Haws

Thanks Natalie! You definitely do learn more than you would just getting a loan.

Shah Jahan Labar


Very well advice, i am really much impressed and motivated after reading this. I made some mistakes in the past and now having debits on me and at this point my earnings are equal to my expanses. After reading this i felt that i can start my business by following the guide you provided.

Thank You so Much

Spencer Haws

Good luck, Shah!

Dan W

Well, I am sorry to disagree with Spencer, here. This is just so bad, as far as advice goes, I’m shocked this material appeared on this website. The rankings for this website, surely will dip after this insane, non logical steps to wealth.

Oh by the way, perhaps the only thing Spencer left out here, is to have a sense of humor, enjoy yourself, as the tasks for growing a business gets easier if you have interests in what you are doing.

Of course I am joking here about this being a terrible article. I enjoyed it as many other sage advice articles on this great website. I was recently reading how “choice of headlines are so important” in niche websites because that is something people sometimes read rather than a whole post. One of the types of impact headlines is what is called “controversial”.

I thought I would get some practice here on being controversial before I get the opportunity to apply such on my website. It actually felt good to try to raise some eyebrows.

As for the article content here, that is exactly how I am proceeding, Learn as much as I can before I actually put up a niche website; this way if things aren’t going quite right, through my prior studying, I am ready to make changes to improve for instance , rankings of my niche site. In the meantime, surviving on a part time job leaves little extra income for non-essentials. Splurging for me , I guess would the the “real deal” at Wendy’s or Hardee’s. Of course , I am one of a couple of computer nerds at those fast food joints up all nite using the wifi while building my website and knowledge there of. McDonalds has great coffee to keep me awake and productive.

I really appreciate your ongoing, motivating articles of various sorts here on your website, Spencer. Hopefully, someday, I can be one of these guests posts, saying I started from scratch through your advice, and the five figure websites are just blossoming.

Spencer Haws

You almost had me there, Dan…haha. Thanks for the great comment.


I felt outrage for the first part of the comment Dan!!


Haha I was so there. Like wtf – oh he better have a good arguement!!!
Haha good one Dan!


Great hook, got me reading those 344 words. Wich you should have invested in writing a blog article for your own website 😀

Dave Fox

Great post! Very timely for me, actually, because i was sitting there yesterday with a huge cup of tea and the handle randomly snapped, causing it to smash all over my laptop, making it into a hunk of metal within minutes. So, 5 minutes later, I’m having to face something very similar to what you’re proposing.. my laptop, with all my hundreds of files and contacts, only some of which were backed up, is now dead. What do you do? Well, you do kinda what you just mentioned…you start methodically doing what you can to get the empire back up and running. Of course, patience and persistence is the key. Thanks for the reminder, Spencer! 🙂

Spencer Haws

Well, that’s no fun at all! Hope you are able to get the laptop and files you need… Good luck building your empire, Dave!

Dan W

Until my recent purchase of an updated,modern laptop, I was always worried of a similar freak accident. I did have a backup plan via technology in case of……..DID YOU KNOW THAT YOU CAN PULL YOUR HARD DRIVE OUT OF THAT DAMAGED LAPTOP AND ACCESS ALL FILES BY HOOKING THAT HARD DRIVE INTO ANOTHER COMPUTER ACTING AS A “SLAVE” rather than a “PRIMARY” hard drive. I would google “setting up a hard drive as a slave” and you should be all set with a wealth of articles on how to do this. If you are not up for the task, any computer store like Best Buy or Staples can do the trick for you. Data recovery off hard drives is essential today. The FBI and other law enforcement agencies are experts at it. Good Luck!

Kent Chow

My first step probably is to work as a VA on Upwork(oDesk previously) charging others about $4 – 5/hr. If I work about 10 hours a week, it would be like $200/mo.

I would save up to $500 in cash (from my full-time or other saving). Then kick off to start a new niche site.

Probably I have read tons enough to have that knowledge to start. (I did when I read crazy back to 2010-2011).

The best to kick off a business is to start. Don’t fear failing. It would pay off long-term (your experience, and your how-to).

I did this by execution. The knowledge and online income grew over-time. I’m proud to have 6-digit sum-up total (in the last few years).

After all, it’s about to reinvest and scale. To have it bigger and faster.

Spencer Haws

I think that makes total sense, Kent.


I can totally relate, right now I am starting as lean as possible, writing articles myself and reading blogs like these to help me power through, thanks Spencer. Currently I am doing some freelancing (wordpress work)

I am excited as to what this would look like 2 years from now!

Spencer Haws

Good luck Jeremy.


Nice read Spencer.

Spencer Haws

Thanks Benny!!

Rony Jahid

A Job is a short time solution of long time problem. Learn how money works and work for lesson not for money. I appreciate abut your begging and patience #Spencer, as almost similar to me,

We all have to remember and keep this things in mind, If you’re not satisfied with your achievement at this moment, then this is not the right position for you, stay focus on things and keep hard working, Big thing come slower also remember hard works means what ? Hard means = Really hard than normal activity.


Great post, Spencer. I’ve been following your progress since 2013 and I see that your strategy really works. I’ve made the same steps and I can prove this works. Maybe no so quick progress as you have (I live in eastern Europe and making any business here is much harder than in US). But anyways I have 4-figure passive income and more great plans for future. Will keep going and getting the inspiration from your blog. Thanks!

shaurya jain

Nice article Spencer but do you think that small niche websites still work ?

Tom Jenkins

I was wondering the same thing Shaurya. Small niche websites these days are almost impossible to get on the first page of Go0gle SERP. In 2010, early 2011, before the Penguin update, it was not very hard at all (if you knew the right tricks).

I was also wondering why Spencer did not mention building / having a list of subscribers / potential customers.

Other than that, a very good article, especially the emphasizing of not going into debt to start a business and starting small.

Spencer Haws

This article was meant to be a discussion of WHAT business you should start, but simply HOW you can get started on something without any funds. Building an email list, etc are all super important for many businesses.

Spencer Haws

Sure they do. People can still make money with sites that are only 15 or 20 articles. However, I personally focus more on larger sites now as they have longer term and bigger potential.

Hephzy Asaolu

Thanks for this awesome piece Spencer. The easiest way to start with no capital is to use your skills. It can be writing, graphic designing or any other skill you can use as a ladder to climb to where you want to be. It is not easy to grow an online business, it really takes a lot of patience, but it pays off big time at the end of the day.

Spencer Haws

Exactly, use the skills you have and climb the ladder from there.


Spencer, thanks to you I’ve started my own niche website and Amazon store. To get them set up I worked for about a year at a liquor store.

I quit once saved up enough to start my niche website and buy my first wave of inventory for the Amazon store. It was hard having a full time job and having to go to a part time gig right after, but the experience taught me a lot about dedication and discipline.

Overall it’s been an incredibly rewarding experience from what I’ve learned alone. Thank you for all of your advice. I’m not sure if I would have the courage to do it without reading your posts and listening to your podcast.

Spencer Haws

Wow, way to stick with it, Garrett! Cool to hear that you were able to quit your second job and have a bit more time to focus on your niche website. Glad that my blog and podcast could provide some motivation. Keep me posted on how things go in the future!


i would be thanks for impressive ideas on this article since i am running a small blog and guess what,i am stepping my little step on the stairs… hope i’m gonna bigger

Make Money Playing Video Games

I really liked the stair step approach for making business empire. I faced similar situation last year. I have to quit my good paying job because the company wasn’t making enough profit.

After working 7 years in same company I got notice to quit the job before 1 week. There were many peoples like me in that company. It was a very bad and uncertain face of like and I had to sell my house because I can’t afford that heavy house loans.

And then I have to find any other job with 40% less salary to support my family. With 2 to 3 years I might be back to same salary. But now I am also doing Digital Marketing course to do some freelancing work to earn extra money.

Its really not important that we must have money to start business. One MUST HAVE COURAGE, CONFIDENCE AND PROPER SKILLS to do a business.

Like Spencer did, Any one can start business with small amount like $600 🙂

Keep posting such good post to encourage all other peoples like me.


Spencer Haws

Great points. Even a “normal” job is not safe…so might as well take some business risk and pursue your own ventures.


Wow! An inspiration right here. I had a very rough fall in my finances and went out of job but with this, i am starting something immidiately. Thanks Spencer

Spencer Haws

Glad this piece could help inspire! Just remember that your initial motivation will fade after a few weeks, its what you do after that initial excitement period that really matters.

Mohammad Arif

Thank You very much for perfect post for perfect time . 🙂
Right Now, I have no money but I have perfect skill .
Definitely, I learn new things from your post .
Appreciate it . 🙂
Waiting for next Post . 🙂
Again Thanks.

Spencer Haws

Good luck, Mohammad.

Jeff Scholz

Hey Spencer,

Great post! I have recently, through no fault of my own, lost my job (seasonal layoff) so now I have nothing but time to work on my own projects. I have, over the past year, been struggling to generate a good source of revenue.

It’s great that you mention consulting and freelancing, because lately that’s what I have been doing and the response is amazing. Most local businesses and people that own businesses have no idea how much digital marketing (SEO, SMM, SEM) can benefit their business, so once you can show them how they can benefit, they want to get on board. This is especially true if they have been watching their rankings, wondering why this and that happens. This revenue has most importantly made me more confident, and given me some extra cash to invest in other projects.


I’ve been plagued with shiny object syndrome for the past year or so, but I have followed you and NSP, as well as taken the AM course, and wish that I had started niche websites right from the start.

They are super cheap and you can do everything yourself. If you are on a completely flat budget, you can also use free blogging services and generate revenue with them, enough to start a hosted site of your own.

Rome wasn’t built in a day. My advice is to avoid the shiny objects at all costs. If you are here at Niche Pursuits, then you are interested in blogging; start something now! Do some research, create some content, create social profiles, reach out to others in your niche. It can all be done for free!

Slowly build your empire, before you know it, you are a big influencer!

Thanks for the article Spencer, always a pleasure reading your material,


Spencer Haws

Thanks Jeff! Sorry to hear about the layoff…but glad to hear that consulting and freelancing have been good to you! Great advice on shiny object syndrome. Find an idea and stick with it.


Sigh. You’ve just regurgitated what everyone else has said, ad nauseam. I thought I’d be getting something different and useful this time. Thanks, though.

Spencer Haws

Hey, I told my story of how I started from nothing. Maybe people say similar things since its works. Start small and grow. Good luck!

Dan W

I find your comment, well comical. Have you had a chance to read and study at least 50% of this website? Have you followed along the 3 niche projects here(by the way, Spencer does not charge for these classic lessons!!). I doubt it. I have and it looks like many others have too. If this is “regurgitation”, then the moon is blue also. I have learned so much here, it is now up to me and others like me to EXECUTE the lessons learned here with patience and determination. I am extremely well versed on the available gurus out there. I did my homework. Spencer and crew are in the TOP 5 easily; I would say he is probably at NO #1 and has been for awhile. If you are serious and not playing games, perhaps you can read a website called by Nathaniel Brenes. He actually has a review site on scams vs legit on affiliate marketing guidance websites. I would be interested to know your personal qualifications to assess the particular post as “regurgitation”. My recommendation is to read this whole website thoroughly, come back and tell us what you think. My perception here is the motivation to write such a comment is very suspect!

Spencer Haws

Thanks Dan 🙂

juan luis

great advice spencer, thanks for sharing this with us


Thanks for mentioning that it took you 6 years to “get it right”. That makes me feel better about the length of time it’s taking me. I need to remember to stay motivated CONSISTENTLY motivated. It’s easy to lose track of the sense of time these things take when I see so many case studies of people who turn their lives around in short periods of time.

Spencer Haws

Exactly. I do my best to point out that the road to success is always paved with ups and downs and many detours. Sure, some brilliant guys like Bill Gates and Mark Zuckerberg knock a homerun on their first swing…but for most human beings…it takes a few tries to learn what will work.

CIndy Williams

This is really a very inspiring article Spencer. My first step will be monetizing from Google Adsense.

Spencer Haws

Good luck Cindy!

Malcolm Thomas

Nice advice spencer. The first step is always the hardest. We must put the first step in faith instead of worrying about the whole staircase. Finding what works needs time and patience. Thanks for the inspiring post.

Spencer Haws

Absolutely. Thanks Malcolm!

Sam Frost

I agree that a “stepping stone” mechanism is the way to go.

For example:

1. Do odd-jobs on Fiverr, Source Market (or whatever it’s called now – I think Elance etc. Get some seed money. Heck, even go mow some lawns or flip some burgers.

2. Use the money to get a domain + hosting. Start building your first affiliate site HARD (if you’ve got the time, you should easily be able to smash out 10 x 1000 word posts a day, plus some link building)

3. Build up the site and sell it on Flippa or continue to pocket the earnings.

Spencer Haws

Well said, Sam! I agree that those 3 steps are one great option for someone to get some seed money, build a site, and cash in.


Hi Spencer, I would do what I am doing now which is build an affiliate site and sell a product on Amazon. Hoping to improve on this as time goes on.

Not sure, I might have missed it, but if you did have an initial $5k and know what you know now, what of those business ideas would you be most attracted to starting?

Spencer Haws

Great question. I’m finding that selling Amazon products is providing a faster return on my money than niche sites. I can have a product manufactured, shipped, and selling a $1,000 a month (or more) in a matter of a couple of months. (Now this definitely does NOT always happen, but its not far fetched). Niche sites tend to take 8 months or more to start earning decent money. I still do both.


Thank you so much, i need to know how i can get traffic? so i can earn money from google adsense .

Spencer Haws

SEO is my favorite traffic strategy.


I have an affiliate site , products from clickbank, how you can help me to get buyers for these products?
Thank you again.


Nice post Spencer.


This inspires me as always from Spencer. Clear advice. I must build an online income within 10 years as I need a pension! Must get started> Push me to do so!!

Spencer Haws

Good luck!


Thanks Spencer! I will be on my way to success with your help on this site.

Stephen Aidoo

Spencer. You have hit a certain nail in my life. I quit my job, invested my savings into a website without even taking my time to put my feet on a rock. This affected my family life seriously. Perhaps i was so much into enchanting articles that makes us believe launching websites was easy. They dont tell us the patients, time and finance put into it. I learned my lesson, but not on a silver platter. It was on a hungry stomach and painful years. BY WAY, I WAS VERY HAPPY WHEN I FIRST EARNED MY AMAZON $60 earnings. it was an assurance. And it kept me going and going. THANKS GREAT POST.

Spencer Haws

Sometimes the best teacher is life experience. Sounds like you had it rough for a while. Good luck down the road!


Hi Spencer, I was wondering where you stand on Dropshipping? Thanks!

Spencer Haws

I’ve never done any dropshipping. I’m sure it can work, but it does seem like a low barrier to entry business; which makes it harder to defend your business.

Hafiz Shakeel Ahmed

It’s actually a great and useful piece of information. I’m
satisfied that you just shared this helpful information with us.
Please stay us informed like this


Great article Spencer!
One advice to add here is to limit the “experts” you follow on the Internet offering great advice. The reason being you will likely suffer from information overload and be left bewildered. keep it simple.
I have followed much of the advice from Spencer and have now finally hit something that is going to be big!

So my point is stick to one or two and follow their teachings.

Spencer Haws

Great point…information overload can be a big problem! I was love to hear more about your success, feel free to reach out and let me know.


I’m very interesting in this article. I am 19 years old and i have joint an Authority Course to build authority site about 2 months ago. I always want to be successful quickly. But when i read this article, it changed my mind. Now, I will always try to improve my mind to be more patien.

Thank you very much.

Spencer Haws

Yep, patience is pretty important. Good luck Duy!


Hey Spencer, I was wondering, if you had to start over with making affiliate websites, would you go for smaller sites in one particular niche, or have a “review” style website that focuses on multiple keywords regardless of niche? I’ve seen a lot of small Wirecutter type sites recently and was wondering if that was the direction niche sites are going to take in the next few years.

Spencer Haws

I still think wirecutter is focused on the tech niche mostly. I would pick a niche: gaming, tech, outdoors, babies, or whatever and stick in that niche. Not a “general” review site. Don’t review survival knives one day and then breast pumps the next…wouldn’t make sense.


Nice one spencer. worth reading 🙂 keep sharing the good stuff, thanks a lot. Happy Earnings!

Sim Legault

To get the funds to start my online business, I went on Yellow Pages and looked for dentists in my area that didn’t have any website.

I made a simple Excel sheet with their info and started contacting them once I got a list of 100 professionals. Took me about 2 days to contact almost everyone over the phone and sold 3 WP sites at 700$ each.

Took me about a week to hand them the sites and that was it. Easy peasy.

If I had to start again, I would do the same!

Spencer Haws

Nice Hustle!

Abu Talha

These are real steps for a empty pocket man. I find some useful action for me also. Thanks so much Spencer for discussing about this.


Just wanted to say great blog! Im kinda of internet entrepreneur myself, just a month ago i started working with these niche sites and all from your guides! Thx for great tutorials you provide. 🙂


Very nice post. I am impressed. I have some niche idea but i am facing same problem that short of money for invest. So i am trying to freelance and get some bucks.
Thanks for sharing.


Reading that makes me shudder!

Lets hope none of us have to start over again

They were slow hard days in the beginning following the knife guide!

Good read. thx


Nice Post
I really like to enjoy reading your Blog.

Ana Tcc

I loved the tips! I will apply in my new projects.

Congratulations on the Blog


Ana Dias Cavalcante


Great article! I’m going to check out some of those links for writing gigs when I get a chance. They seem like a good way to get some extra money. I also had a second job once, but I got laid off. Didn’t pay a whole lot, but it was definitely something extra.

I’m still working on turning my blog into a passive income generating machine. It’s tough, but my traffic and income have been steadily–albeit slowly–growing over the two years I’ve been blogging. Your stair step approach to business is the way to go. I couldn’t imagine borrowing money from the bank to start my own business,

And good for you for leaving the banking industry. It sucked in 2011 and it still sucks now. My blog is pretty much all about the horrors of the banking industry. Business banking is the absolute worst. The requirements for opening business accounts are so stringent that I cringe every time I see a customer walk into the branch with that black corporate book.

ARB–Angry Retail Banker

Spencer Haws

Thanks ARB! Yep, I never really enjoyed banking much, I can understand why you are angry 🙂

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