Personal finance advisors generally access the financial needs of individuals, providing them with a range of options. Some work in insurance or debt consolidation, some are mortgage brokers, and so on. Working at home seems to be the trend, as more than 25 percent of this work force in some capacity works out of home offices.
"I have always been an entrepreneur; never could get the knack for having someone else tell me what to do. I tried working for someone else and noticed I was making more money for my 'boss' than for myself," explains Terry Hutchins of Concepts Financial Network Corporation. "I watched how things worked and opened my own home office after four years of learning just how the business works. Planning is the key for any home business; know what you're getting into before you just jump right in. Once you have jumped in, tell everyone you know (and everyone that they know) that you have your own business. Word of mouth is by far the cheapest and most effective advertisement."
One of the hottest fashion trends is beaded jewelry for children and adults. Sunny of BestJKJewels.com says she was inspired to create jewelry for women and children of all ages because the look on people's faces when they receive such a unique and loving gift is priceless.
"I make bracelets and earrings from home because I enjoy being able to stay with my family and earn extra income." Sunny uses a variety of beads—including sterling silver, 14K gold-filled, and pearls—and Swarovski crystals when crafting her jewelry. "Getting started is a small expense and the best way is to buy in bulk, thus it will keep the cost down for your customers. It's a fun job for me and relaxing as well."
After spending a decade as a cut-and-paste graphic designer for newspapers, Pamela Plowman of www.websbypam.com had a child and decided to become a stay-at-home mom.
"I wanted to pursue a job at home, so I started looking at webpages and the artist in me would critique them. I wanted to start building them, so I taught myself with the use of resource materials," she explains. "I love building websites simply because I can picture something in my mind and make it for my customers. I started my own business first with friends and then a few clients. I'm now taking a class to get the certification in Web design."