The sad thing about most people, at least your average American (United States of American) is that any time some extra money comes their way, they throw it down the toilet, so to speak, joined with even more money from savings or more likely from a credit card. But that is a whole other issue.

Most of us would agree that an extra $200 a month could help tremendously to alleviate their financial stresses. That amount could take care of all or some of any of the following: a monthly car payment, household utilities, cell phone bills, food, an occasional date with your spouse, or, for those of you who are single, several outings with a date, doctors bills, rent, mortgage, credit card debt, or any other bill or debt that you have.

Once you create this extra income every month (which I'll show you how to do in the next few paragraphs) I want you to promise yourself that you will use it to help alleviate some stress in your lives NOT create more stress to deal with.

Now lets get serious and set a game plan to generate this extra money every month. You are going to start taking online surveys that pay cash for participating. There are many companies out there that need to do market research, which creates an opportunity for consumers like yourself to give your opinion on products and services and get paid for it.

The first thing you need to do is create a new email address that will be used solely survey taking purposes so that these survey opportunities don't get lost amongst your personal email. A gmail, yahoo, or hotmail account will suffice.

Second, sign up for as many survey companies as possible, at least ten. This will make it so there is always a survey available for you to take.

Third, set aside 30 minutes a day to take surveys. Unless your schedule it in, you won't do it because you are human and all humans tend to do the same things day in and day out unless they exert some effort to change.

That is all you have to do to make that extra $200 a month. Sounds simple but don't lull yourself into doing nothing. Constant persistence is needed to succeed.