But here is the challenge – Whatever the urgency of our need, it is really hard to save money from our monthly pay checks.

By some kind of cruel magic, every penny we earn gets swallowed up to pay for all our regular monthly bills. Even if we get a pay rise, there still doesn’t seem to be any money left over at the end of the month.

In fact, all too often, we find ourselves slipping deeper into debt a little further each month.

At the same time, we all have reasons to really WANT to put aside some money each month.

Here are some of those reasons.

1. For a big expense, like the down payment on a home or a car.

2. To send your children to college.

3. To make improvements to your home.

4. To pay off debts.

5. To pay medical bills.

6. For your retirement.

7. To spoil yourself.

Having raised four children myself, and now being not so very far from retirement, I have experienced most of those reasons. I have also experienced the frustration of never having enough money at the end of each month to make a difference.

Until just a few years ago.

What I started to do about five years ago was to create a second stream of income that was outside of my regular pay check. I make that money separately, and don’t add it to the pile of money I use to pay my bills. It is earned separately, and I spend it separately…for one or more of the reasons listed above.

How much do I make through that second stream of income. Approximately $4,000 a month. It varies from month to month. But that’s the average.

No, that money isn’t going to make me a millionaire. But I don’t have to work very hard for it, and it does make a difference.

How do I do it? Well, that’s the subject of my book, New Path to Riches.

It shows you how just about anyone can make some extra money each month simply by writing and publishing a website on a topic that interests them.

If you enjoy writing, you can do this too.

Buy New Path to Riches from Booklocker.com (also available as e-book)

Buy New Path to Riches from Amazon.com

Get Chapter One of New Path to Riches free…