Essentially this theory taps into a couple of ugly traits among the common tribe of man. Those traits are greed and laziness.

Sometimes life itself places us in the path of financial need. We may turn to a get rich quick idea simply because it seems to be our last resort. If the money can be acquired quickly then so many problems are avoided. Sadly, too many of these moneymaking ideas only contribute to the problem.

For instance (and I don't mean to single this one out) many rebate processing jobs sound great. Individuals will buy into the idea using the last of needed reserves only to discover they will be required to actually sell a product or products before they can process a rebate and receive funds.

Obviously there may be legitimate offers that are helping struggling families, but there are many of the too-good-to-be-true ideas that are leaving families a little further in the hole.

The moneymaking ideas I suggest are often of the home grown variety. These ideas work because they come from your own mind and experience. You recognize from the beginning that the idea will be hard work, so you're not surprised by the effort you will need to expend on behalf of the idea. These ideas rely on skills you possess and tools you are equipped to use.

Too many people I visit with (many who seem very successful) indicate privately that have traveled down too many roads following trails that led them to increased debt all in the name of debt relief and prosperity. Their immediate needs often trump good sense as another bad idea is thrown on the fires of frustration.

I'm not here to sell you on a particular idea other than to ask you to look into your own experience to see what you might be able to do to help your own financial situation doing something you already know how to do.

I know a man who told me about the summer he turned sixteen. He was not highly skilled at the time, but he was available. His father allowed him to borrow any tool from the garage and that young man put forth the effort to work. He was called on to clean corals. He installed sprinkler systems. He had a janitorial job and he even babysat.

All he did was place an ad in the classified letting people know he was available. That young man didn't have a day off the entire summer.

This true story is a sample of what I'm talking about. What do you already have that could result in improving the chances that you could make some money?

We may be lured into looking at ideas that offer thousands of dollars because in many cases that's the type of return we would like. In the end we are often left with the knowledge that all we possess is fools gold while our greatest needs loom large.