Increasing your income is often more challenging than cutting expenses, but even in this crummy economy, it doesn’t mean it can’t be done.

There are obvious ways to increase your income:  get a promotion, get a different/better job, or get a second job.

But there are also some not-so-obvious ways to increase your cash flow.

Change your living situation.  Perhaps you can refinance your home, move to a smaller home, or move closer to your employer.  All of these things can put more cash in your pocket.

Change your withholding.  Are you getting a big fat check from Uncle Sam every year?  Check out the IRS website and see if you adjusting the amount of tax withholding would benefit you.  It’s better to have that money in your budget every month than earning interest for the US government.

Sell some clutter.  We all have things we don’t need.  Sell them on ebay or in a garage sale. Clear out the clutter and pocket some cash.

Use the internet to make a little fun money.  You could do surveys, YouData, Swagbucks, etc.  While these things do take time and won’t make you rich, they are easy to do and can help you find a little disposable income when money is tight.

Look for more resources to help you set up a budget.

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