Lying in a cold sweat every night, tossing and turning, thinking non-stop 'how can I earn extra income'? Well, you sure aren't the only person! The economic crash is having a nasty impact on everyone, and even multi-million companies are cutting corners to save every cent.
Little wonder therefore that the poor man-in-the-street is facing desperate times.
Even those lucky enough to be employed find themselves short of cash every month.
How can I earn extra money? This critical question is particularly relevant if you're a single parent struggling to make ends meet with the meagre wage you're getting at your day job.
You'd love to be working two jobs but where's the time? Well, you've got to think of something that's going to keep the wolf from the door.
Get creative and get out there and sell yourself.
Many single moms, and even some desperate dads, are doing child sitting to earn extra money.
There are hundreds of parents in your area who often need a reliable child sitter, so this is definitely something to consider.
And you won't feel guilty about not being with your own kids because you'll be earning the extra money in your own home.
In time you may be in such demand that you could even find yourself doing child sitting on a full time basis.
If the thought of caring for other kids in addition to your own, you may want to consider dog sitting.
Good dog sitters are always sought after because dog-lovers are very particular about who looks after precious 'Fluffy' when they take a weekend vacation.
Once you've established yourself as a reputable dog sitter, you could even offer extra services such as bathing and grooming.
There are survey companies which are always on the lookout for people who are willing to complete surveys in return for remuneration.
An average survey should take you around 20 minutes to complete.
Get online and register with a survey site.
You'll be asked to complete a questionnaire so that they know what kind surveys will suit you.
If you don't have a family to support, there's a lot more scope for making extra money, but you've got to be prepared to drop your standards if necessary.
You're in no position to pick and choose! A good example is a paper route - you might turn your nose up at this under the misconception that it's a job for kids.
In fact, taking on a paper route can earn you an extra $400 per week.