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12 Cheap and Easy Ways to Start Your Own Successful Business

12 Cheap and Easy Ways to Start Your Own Successful Business


For those of you that are trying to find the next best thing to be self-employed, let me help you with the process. Whether you are a stay at home parent, just got laid off, or searching for ways to get some extra cash, these 12 ideas can point you in the right direction. I have tried several of these but my most lucrative one is selling my “one of a kind” homemade lotions and soaps. Thank you and hope that your endeavors be prosperous!


    1. Avon – Startup cost is $25 an up depending on kit you purchase. It includes everything you need to get started. This is a lucrative business and you can earn some serious money if you are really dedicated.
    2. Paparazzi – Startup package cost from $99 and up depending on kit you purchase. You will be selling high fashion nickel free jewelry. When you set up at a flea market or booth at an event, you are sure to get sales. Who would walk away from a $5 necklace set to die for?
    3. Tutoring – If you are really good in Math or English, why not get paid for your expertise. There are a lot of parents out there looking for knowledgeable people like you. You can charge by the hour or by the subject, it’s totally up to you. You can also charge extra if you have to pick up from school and drop off at home. This can be a great part-time job and can bring in about $100 or more a week. Just create you about 50 business cards and flyers and you are on your way.
    4. Selling Homemade Crafts at Flea Markets & EBay – My part-time business is making soap and lotions without parabens and harsh chemicals for babies and people with sensitive skin. I usually make about $300 at every event. I also sell old items on EBay to make up the extra cash I need to help pay bills. If you have a hobby that people are bragging on, get paid for it!!
    5. Tax Preparation – If you are familiar with filing your own taxes, you can get paid to file someone else. Make sure you go to a tax Prep Training first to familiarize yourself with all the tax laws, itemizations, and filing statuses. This can be a lucrative business once you build your clientele. You will also have repeat business and referrals if you provide trustworthy and cost effective services. You may also want to host seminars on how to file your own taxes for a small fee.
    6. Desktop Publishing & Logo Design – I also do this on the side. I have been known for my attention getter resumes. Every resume I have done for a customer has been followed up with a job offer. If you have a talent in creating flyers, logos, greeting cards, wedding invitations, resumes, etc. Sell your talent for a small fee. A lot of companies and job seekers are looking for someone like you that can provide top notch service for an affordable price.
    7. Resume Creation Services – This business is very lucrative and with today’s times, most companies are asking for Resumes. If you have been praised for how good your resume looks and sound, you may want to start your own resume building business. If you have Microsoft Office on your computer or laptop and a printer, that’s all you need. I always save my customer’s Resume on a flash drive for them to have and when they need to update it, they just bring that flash drive back to me. I love what I do and it feels good when your customer calls you and tell you that they got the job.
    8. Selling Insurance – From what I hear, this can be a lucrative business if you apply yourself correctly. Everyone need some type of insurance, whether it’s life, health, rental, dental, vision, home, car, etc. If it’s cheaper than what they are currently paying but offer the same benefits they have, you got their business, you just got to know how to sell it to them. There are companies that will pay you to work from home at your own convenience. This can be a second job that you can work at part-time during the evenings and weekend or it can be a full time position. If you are good at selling things to people, this can be your career full time or part-time.
    9. Car Detail Shop – I have been told that this is also a booming business. I know a guy that will come and pick your vehicle up from where you are, detail it, and bring it back to you when he’s done. That’s called great customer service!! How many times you have been wanting your car detailed but didn’t have the time to do it, either you had to work or attend some kind of event. If you are good at detailing cars inside and out, try this business part-time or full-time will bring you extra cash every time.
    10. Blogging – If you have a green thumb for writing, then this business is right for you. Blogging is creating a website that talks about today’s issues and employ people to give their opinions about them. This business is kind of hard to start but once you build a following, you should not have any problems with success. The most important part about this business is finding ways to make money off of what your customers read. Most bloggers insert related vendor ads tailoring to their topics, write eBooks and sell them, sell other bloggers ads, and offer paid subscriptions for a small fee. Please do your research before you dive into this business, educate yourself on what topics are worth talking about, what customers want to know and what they want to learn. You may want to start off as part-time and once you build your following, make it a full-time career.
    11. Making “How to” Videos Making “how to” videos on YouTube is a great way to get your name out there. You can post them on your social medial pages, embed them on your website, and also attach them to your eBooks. This is a great way to build a huge following fast and get paid for doing so. All you have to do is create a YouTube account, record yourself making something using your cell phone or high quality camera, upload it on YouTube. Once you load it on YouTube, you can copy and paste the recording on your website, Facebook, Instagram, Twitter, or any other social media page you have. Make sure you tag your friends and ask them to share your videos. I have known several people to make a living off of just posting “how to” videos on YouTube.
    12. Babysitting – My daughter makes a lot of money babysitting at night and weekends. She keeps the children while the parents go shopping, clean up, or just want a night out away from the kids. She also charges for keeping the children on weekends. This is great for parents that want to have a weekend getaway but don’t have a babysitter. She will also travel with them for an extra fee. Great way to earn some extra cash fast.
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So…You Want To Learn How To Make Organic/Natural Soap?

So, you want to learn how to make soap?

When I first got the idea to make my own soap, I was surfing the web trying to find organic products for sensitive dry skin. I was having problems with finding soaps and lotions that didn’t break me out.  I was having problems with dry patches even when I put on a ton of lotion.  Perfume soaps and lotion makes me itch “everywhere”, and sometimes I would break out with little bitty bumps on my face and arms. I’m one of the ones that can only use certain products on my body.  I can’t use Mary Kay products, anything that has a lot of perfume in it, and all foundation makes my skin bumpy and very dry.  I know, you may be saying, dang girl! but I am o.k. with it.  I have lived all my life this way and have found a medium through all my frustrated trial and error days.  I must say that it took years for me to finally call it quits and say goodbye to Avon, Cover Girl, Mary Kay, Maybelline, e.l.f., Revlon, Neutrogena, Milani, Almay….Do I need to go on!!  I have tried just about every product on the market and the fact is, that my skin will not adapt to the ingredients.

My story may be a familiar one that you have heard before but it will be o.k. to read it again, there may be a funny twist at the end. My first batch of soap went perfect because I made it from a simple recipe with products that I got from Dollar Tree. I didn’t want to spend a lot of money trying something for the first time and then finding out that I didn’t like doing it. I logged on YouTube and typed in simple soap making recipes.  I lucked up on the soaping 101 channel on how to make soap from dollar store ingredients. I watched that video about a couple of times and then I went on Amazon and ordered a hand mixer, a scale, a handheld temperature gun and lye (sodium hydroxide). I went to my nearest Dollar Tree and purchased Goggles, Gloves, large mixing bowl, plastic pitcher, measuring cup, 2 large spoons, 1 spatula, 1 package of small spoons, small shoe box container, oatmeal, whole milk, honey, 2 tubes of cocoa butter, 2 bottles of Olive/Soy Oil, and freezer paper.  All of this should be no more than $50 for what you order from Amazon and Dollar Tree.

I strictly followed the instruction from the soaping 101 video, except for the shopping bag, I used freezer paper to line my shoe box. Of course I had to stop and rewind a couple of time to make sure I was doing the right thing. After I finished, I put the soap mix in my upright freezer for about 6 hours and then I removed it and put it in the top of my closet for three days (sometimes it may not be firm enough after 24 hours). After three days I took it out of my closet and removed it out of the mold (shoe box). I took a large knife or a soap cutter to cut my soap and placed them in a cardboard box lined with freezer paper at the bottom. I then put them back in my closet for 4-6 weeks.  Congratulations! You have made your first soap batch.

My first bath with this soap gave my skin a soft and silky feel. I was amazed at the bubbles and conditioning and the best thing about it was that I didn’t itch.  After my 5th bath, I must say that I could visibly see the difference in my skin.  No more dry patches or little bumps.  Amazing right!!  I was hooked, and decided to give it another shot.  I went back on YouTube and searched what other ingredients I could use to enhance my recipe.  That’s when I found Soap Queen TV. I learned how to make my first batch of soap with color and fragrance.  It was wonderful!! And best of all, it was totally free.  I didn’t have to pay a penny for a tutorial.  I learned how to use the lye calculator, make my own soap recipes, and how to use different essential oils to make organic soap.


I accumulated a lot of soap over the course of two months so I decided to give some to my kids, family, and friends to try. Everyone loved it, they kept asking for more.  After about six months into my new hobby, I was approached by several family members to make it a business.  At first I was apprehensive about it because I didn’t know if it would sell outside of my friends and family circle, and secondly, I didn’t quite have a lot of money to fund such a venture.  I talked it over with my boyfriend Dennis and he agreed that it was an excellent idea. I told him that money would be an issue since I didn’t have a lot of savings to fully get the business going.   A week later, I had a guy at my house taking measurements to close up my carport to make my soap room.  I didn’t have to pay a penny, Dennis paid for the materials and his friend did the work for free.  Talk about God opening doors when you pray and ask for favor.  This man is truly something else!!

That week I took off like a dog chasing a cat! I went online and researched how to make my business legal. I went and applied for my business license at the courthouse. I then called the state of Mississippi Department of Revenue to see what I needed to do to apply for sales tax so that I could legally sell products.  After my conversation with Mississippi Department of Revenue, I found out that I had to get bonded to sell products at flea markets because I am a homebased business.   I called the IRS to get my EIN number and complete the required forms to be a legal business.  I contacted my local SBA office to meet with a counselor so that I could make sure I was headed in the right direction.  You will be amazed at how much information you can get from an SBA counselor. She gave me all the information I needed to be confident in opening my business.  They also have a wealth of online videos that are very beneficial to first time business owners.  It is very important to speak with an SBA counselor because they can inform you on things that you may not have thought about like talking with a CPA (certified public accountant) for help with your bookkeeping and sales taxes.  Training is free and referral services is free also. All of this was very frustrating and time consuming but I wanted to do it so that I would not face any future problems.

After I became legal, I began to create my website. Again I searched YouTube on how to make a storefront website.  I honestly had to view this video three times before I tried to follow the directions.  It took me a week to finish the website and have it ready for customers to order online.  This tutorial saved me over $5000 doing it myself instead of hiring a website designer to do it. If you are computer literate, you shouldn’t have any problems following along.  If you are not computer literate, try it anyway, I think it’s pretty straight forward to where you can follow along without losing focus.  Make sure you watch the video about three times before you dive into it full swing.  If you can’t understand the instructions, there are a wealth of other tutorial videos on how to create an ecommerce website.  Log into my website and tell me how I did. I think it looks very professional for someone that has never created a website before.

Once you get your website going, you may want to sign up for a flea market in your area so you can get your name out there. Make sure that it’s somewhere that gets a lot of traffic. I would suggest to sell at the same place so that customers can know where to find you locally.  You can request the same booth assignment every market, you just have to pay two payments in advance to keep the same booth assignment.  Do your research on flea market displays, visit the flea market you plan to set up at.  Look around to see if there are similar products to yours, check their set up and sales pitch.  Do they talk to their customers or do they just sit in their chair waiting on someone to stop at their booth.  A pretty set up with pretty colors always gets looks.  Dress professional, a collar shirt with your logo and khaki pants will work.  Take someone with you to help, you don’t want to have to close your area to get something for lunch or go to the restroom. You may miss a potential customer that way.

I have attached a easy organic soap recipes for you to try. This is one that I found is fail proof and works well for a beginner soaper.  I would say make about five batches before you dive into making soap with color and using the swirling technique.  It took me some time to master the in the pot swirl that looks like the YouTube videos.  It will take months to be a pro, and even pros have failed attempts.  Always write your recipes down so you know what to use for your next batch.  You don’t want to make the perfect batch of soap and can’t remember what ingredients you added.  Keep all of your soap recipes in a binder for easy access starting with simple batches in front to complicated batches at the back.

I think this should be enough to get you headed in the right direction. It sure helped me when I was trying to get my business started.  Make sure you do your research, talk with others that are self-employed, find out what their niche and how they became successful.  You choose how successful you want to be, so why not do empower yourself to be successful.  Elect family member to help you through your venture, I know it saved me a lot of time asking family to help out when times get busy.  Always remind yourself why you started the business, and never give up on your dream.  Yes, its hard work and very long hours till completion but it will pay off in the end.  Happy Sails, and Good Luck Mate!!


Oh yeah, don’t forget to leave a comment and let me know if you decided to turn your hobby into a business. If I can be of any assistance, send me an email at


Angenett @ Anchors


Simple Sensitive Skin Soap Recipe (for 10 inch silicone mold from brambleberry):

Note: Before you try any recipe, make sure you understand how to mix lye together with water. The solution gets really hot and if improperly mixed can be dangerous.  Please review this video before you attempt to make any of the recipes below.


18.7 oz. 100% Olive Oil

6.8 oz. Coconut Oil

6.5 oz. Canola Oil or Sunflower Oil

2.00 oz. Cocoa Butter or Shea Butter

4.7 oz. Lye (sodium hydroxide)

11.2 oz. Ice Water

2 tbsp. of granulated sugar

1 tbsp. of salt



Hand blender

Digital Scale

Handheld Temperature Gun

Stainless Steel Spoon to mix lye solution with. DO NOT USE A PLASTIC SPOON!!

1 heat safe measuring cup to mix lye solution in


Dollar Tree Items:

1 pair of goggles

1 apron

1 pair of vinyl disposable gloves

1 large mixing bowl

1 large spoon

1 spatula

1 measuring cup or small pitcher

1 shoe box container

1 roll of freezer paper

1 roll of paper towels

1 spray bottle

1 bottle of white rubbing alcohol



  1. Spray your work area with alcohol and let air dry. Gather all your ingredients and materials and place them accordingly on your work area. I would suggest to buy a table cloth from dollar tree to place over your work area to catch spills, you can wipe it off or throw away after you finish.
  2. Put on your apron, gloves, and goggles. Make sure you are wearing long sleeves and closed toe shoes to reduce getting burned by splashing lye water while stirring.
  3. Take the measured ice water and pour it into the heat safe measuring cup. Add the measured sugar and salt and stir until it has dissolved (you should not see any sediments at the bottom of the container.  Slowly add the lye to the ice water, stirring while pouring. Please do not stand directly over the container as you pour, the lye water produces toxic fumes that are dangerous if consumed. Stand away as you stir, stir for a few seconds, then pour another scoop, stir for a few seconds.  Continue this process until all the lye is added to the water and the lye water is clear.  Set the lye water aside to cool.

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  1. If you have a silicone mold, you do not have to line it with freezer paper. If you do not have a silicone mold, then get your soap mold and cut the freezer paper so that it would line the mold without bunching up. Please watch this video to show you how to correctly line your soap mold. Set the mold aside for later.
  2. Add your measured oils and butters to the large mixing bowl. Slowly stir all the oils together and set aside. Retrieve your lye water that’s been sitting and check the temperature with your handheld Temperature Gun. When the temperature get 100 degrees or below, it is time to pour the lye water into your oils.  Retrieve the bowl of oils and slowly add the lye water. Take your large mixing spoon and slowly stir while pouring the lye water into your bowl of oil.  Place the empty lye water container to the side. Slowly stir your soap solution for about 30 seconds.  Take your hand blender and tap it at the bottom of the bowl with the soap solution to remove any air bubbles.  Turn the hand blender on slow and carefully mix the soap solution together.  Continue this step until you see the mixture is at a light trace.  Trace is when you can pull the mixer out of the soap solution and see a thin line where the mixer has been.  Once the soap solution has reached a thin trace, it is time to pour it into your mold.
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  4. Slowly pour your soap solution in your mold. Scrape the side of your bowl to make sure all soap solution is in your soap mold. Set the bowl aside to wash later. Take your soap mold and lightly tap it on the counter about five times to get out air bubbles.  You can design the top of your soap mixture as you like.  After you have finished designing the top of you soap mixture, take the rubbing alcohol and spray on top of your mold to help the air bubbles escape that’s in the soap mixture.  Place the soap mold filled with the soap mixture in the freezer for at least 8 hours.
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  6. Take the paper towels and wipe out all the excess soap mixture out of your containers. Fill your sink with hot water and dishwashing liquid. Wash all your containers and rinse them with bleach water. Take some paper towels and dry all your containers and place them in an area away from the rest of your cooking utensils.  I would suggest not to use anything that you make your soap in to cook with.  Be safe and don’t try using them!
  7. Take the soap mold filled with the soap mixture out of the freezer and place it in the top of your closet uncovered for three days. On the third day, take the soap mixture out of the closet to see if it’s firm enough to cut. Take your soap cutter, and cut the soap to the size that you desire. Place the soap back into the closet for 4-6 weeks to cure. Your soap will be ready to use after four weeks.  Congratulations!! You have made your first batch of soap.



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Public Loan Forgiveness! Can I Really Get My Student Loans Forgiven?


I know that this is a topic for all of you that are suffering from student loan debt. I wanted to talk about this one just a little bit to enlighten some of you that are inquiring about Public Service Loan Forgiveness. Let’s break away from soap talk for a few minutes.  I think this topic is important enough to discuss. Most of you that have tried to apply for a business loan to fund your business may have been pushed by your loan officer to pay down on your student loan debt.  My full time job is a Student Loan Coordinator at a Community College and I am familiar with most of the questions you have.  Please read the entirety of this post because it contain everything you need to know about Public Service Loan forgiveness. If you have any comments, please add them to the left. Please, let me know if this information was helpful and informative.

Student Loan Debt Statistics

It is estimated that the average amount a person owes in student loan debt is about $30,000 or more.  60% of college students borrow money to help pay for college cost, while half of those take out loans to pay for living expenses and transportation. 14% of outstanding borrowers who have at least one past due loan will go into default.  The average student loan debt is increasing while the average salaries for Americans have decreased by 10%. We are in a serious crisis and the only people who cares are the ones who are paying their loans back.

It is nearly impossible to file for bankruptcy on student loans.  These debts can continue to grow when a borrower is unable to pay and can even follow borrowers until death.  7% (7 million) borrowers who have defaulted have low credit scores and have jeopardized their credit worthiness. Most employers run credit checks on applicants before hiring or even promoting them which makes it nearly impossible to get a higher paying job to help repay these debts.  It is in the borrower’s best interest to educate themselves on how to effectively pay these loans back without going into default.

What is Public Service Student Loan Forgiveness?

There are several ways to lower your student loan debt but one way in particular is getting a lot of attention by public workers.  Everyone wants to know about getting their student loan debt erased.  Well, let’s discuss what that really mean.  Public Service Student Loan Forgiveness is exactly what it state it is, if you are a person that works for a public service company you can apply to have your student loans forgiven after a certain amount of years.  You must be employed full-time (in any position) by a public service organization, or must be serving in a fulltime AmeriCorps or Peace Corps position.

Here are the types of organizations that meet the definition of “public service organization” for purposes of the PSLF (Public Service Student Loan Forgiveness) Program:

  • A government organization (including a federal, state, local, or tribal organization, agency, or entity; a public child or family service agency; or a tribal college or university)
  • A not-for-profit, tax-exempt organization under section 501(c)(3) of the Internal Revenue Code
  • A private, not-for-profit organization (that is not a labor union or a partisan political organization) that provides one or more of the following public services:
  • Emergency management
  • Military service
  • Public safety
  • Law enforcement
  • Public interest law services
  • Early childhood education (including licensed or regulated health care, Head Start, and state funded prekindergarten)
  • Public service for individuals with disabilities and the elderly
  • Public health (including nurses, nurse practitioners, nurses in a clinical setting, and full-time professionals engaged in health care practitioner occupations and health care support occupations)
  • Public education
  • Public library services
  • School library or other school-based services

I work for one of these companies, what do I do next?

You must meet your employer’s definition of full-time. However, for PSLF purposes, that definition must be at least an annual average of 30 hours per week. For purposes of the full-time requirement, your qualifying employment at a not-for-profit organization does not include time spent participating in religious instruction, worship services, or any form of proselytizing (advocating or promoting services). If you are a teacher or other public service organization employee who works under contract for at least eight out of 12 months, you meet the full-time standard if you work an average of at least 30 hours per week during the contractual period and receive credit by your employer for a full year’s worth of employment. If you are employed in more than one qualifying part-time job at the same time, you may meet the full-time employment requirement if you work a combined average of at least 30 hours per week with your employers.

Only Direct Loans will qualify for the PSLF program, if you have other loans that are considered non-direct loans like Perkins loans for example, must be consolidated. A loan consolidation is a federal loan made by the U.S. Department of Education that allows you to combine one or more federal student loans into one new loan. As a result of consolidation, you will have to make only one payment each month on your federal loans, and the amount of time you have to repay your loan will be extended.  If you are not sure if all of your loans are direct loans, you can log into the website and check your specific loan types. If you do not have a FAFSA username and password to log on, just click Create an FSA ID.  Once you create an FSA ID, you can click Tools and Resources, then click My Financial Aid History.  All of your loans should say Direct Stafford Loan, if it does not say that then you must consolidate your loans.

Any non-defaulted Direct Loan is eligible for loan forgiveness. The Direct Loan Program includes the following loans:

  • Direct Subsidized Loans
  • Direct Unsubsidized Loans
  • Direct PLUS Loans—for parents and graduate or professional students
  • Direct Consolidation Loans

NOTE: Parents who received a Direct PLUS Loan may qualify for forgiveness of the PLUS loan, if the parent borrower—not the student on whose behalf the loan was obtained—is employed by a public service organization

If you find out that one or more of your loans are in default, STOP NOW!! You must contact your lender immediately to get those loans out of default first before you go any further. If you are not in default, PROCEED.  To consolidate your non-direct loans, you must complete a direct loan consolidation form.   I will attach all forms at the end of this book for your convenience.

 Why do I need to consolidate my loans?

If you are wondering, do I really need to consolidate my loans? The answer is simply yes if you want to apply for the PSLF program. Loans made under other federal student loan programs may become eligible for PSLF if they are consolidated into a Direct Consolidation Loan. However, only payments made on the Direct Consolidation Loan will count toward the required 120 qualifying payments. The following loans may be consolidated into a Direct Consolidation Loan:

  • Federal Family Education Loan (FFEL) Program loans, which include the following:
  • Subsidized Federal Stafford Loans
  • Unsubsidized Federal Stafford Loans
  • Federal PLUS Loans—for parents and graduate or professional students
  • Federal Consolidation Loans (excluding joint spousal consolidation loans)
  • Federal Perkins Loans
  • Certain Health Professions and Nursing Loans

NOTE: To consolidate a Federal Perkins Loan or Health Professions or Nursing Loan into a Direct Consolidation Loan, you also must consolidate at least one FFEL Program loan or Direct Loan. If you are unsure about what kind of loans you have, you can find that information at

As part of your loan consolidation application process, you must pick a repayment plan.  I would suggest to pick the income based repayment plan because your payments are simply based on your yearly salary.  For those of you that have low income, this is a win-win.  Your payments could be as low as $0 – $50 a month depending on how much you make.  This is also good because if your income change because you changed jobs or got demoted, you can just simply report the income change and they will recalculate it.

There are several others to choose from, make sure you read through all options and pick the one that best fit your particular situation. Best practice is to pick a plan, if you do not pick one you would be placed in the regular plan by default. Don’t be upset when you receive your first payment that’s about $300 because you didn’t choose a repayment plan.  If this happens, just call your lender and let them know that you want to change your repayment plan.  The worst thing that you want to do is ignore it, your loans will go into default if you do this. Then you will have a big headache on your hands.

Ok, I Got All My Loans Consolidated, What do I Do Next?

After you have received confirmation from your lender that your loan consolidation application has been approved. Your next step is to print the Employer Certification Form and complete it.  You must fill out the first page and then take the second page to your human resource office and let them fill it out.  You may have to give them information on why they have to complete the form. It may take several days for them to complete, so you may want to drop it off like on a Monday so you can get it back by Wednesday.  After you receive the form from your employer, double check to make sure everything has been completed correctly before you send it in.  You can either fax it or mail it in.  I faxed mine and got a response back within 10 days.  You will receive an email or letter depending on how you set up to receive correspondence from your lender.

What Is Required of Me Under the PSLF Program?

You must have made 120 separate monthly payments on the Direct Loans for which you are requesting forgiveness. Payments made before this date do not count toward meeting this requirement. Each of the 120 qualifying payments must be made for the full scheduled installment amount and no later than 15 days after the scheduled payment due date. The 120 required payments do not need to be made consecutively.  The 120 required payments must be made under one or more of the following Direct Loan Program repayment plans:

  • Revised Pay As You Earn Repayment Plan (REPAYE Plan)
  • Pay As You Earn Repayment Plan (PAYE Plan)
  • Income-Based Repayment Plan (IBR Plan)
  • Income-Contingent Repayment Plan (ICR Plan)
  • 10-year Standard Repayment Plan
  • Any other Direct Loan Program repayment plan; but only payments that are at least equal to the monthly payment amount that would have been required under the 10-year Standard Repayment Plan may be counted toward the required 120 payments The REPAYE, PAYE, and IBR plans are not available for Direct PLUS Loans made to parents or for Direct Consolidation Loans that repaid Direct or FFEL PLUS Loans made to parents. The ICR Plan is not available for Direct PLUS Loans made to parents. However, Direct PLUS Loans that repaid Direct or FFEL PLUS Loans made to parents may be repaid under the ICR Plan. For more information about the repayment plans available in the Direct Loan Program, please visit

IMPORTANT NOTE: The PSLF Program provides for forgiveness of the remaining balance of your eligible loans after you have made 120 qualifying payments on those loans. In general, you will have a remaining balance on a loan after making 120 payments only if you are making reduced monthly payments under the REPAYE, PAYE, IBR, or ICR repayment plans.

What do I Need to Do after I Make My 120 Payments?

Once you have made all of your 120 monthly payments, you will need to submit the PSLF application to receive loan forgiveness. You may log onto to print the application.  Don’t forget, you must be working for a qualified public service organization during all 120 monthly payments.  If you change jobs and work for another qualified service organization, you must submit an Employer Certification Form for them also. This must be done every time you switch employers.  You will not be required to pay taxes on the portion of the loan amount that is forgiven.

I hope this guide has assisted you in completing the necessary steps to completing the PSLF application. Everything in this book is factual and is backed up on  If you receive emails or messages from companies promising to offer PSLF, you may want to do your research first. This service is free and you should not have to pay a fee to get the services listed above.  Be wary of advertisement on Facebook, Twitter, and YouTube that solicit your personal information.  Read between the lines first, and always go to the website to verify what is said. If it doesn’t line up with the website, do not give your personal information. You can complete these forms yourself and submit them for free.  There is not charge for the Department of Education to assist you in filling out these forms.

I would love to hear how everything is going with you, please leave a comment on or email me at to let me know how things are going.  As always, do your own personal research, verify what you are told, and take action on your student loan debt.  Do whatever you can to keep from going into default




Click here to print the loan consolidation application. You must log in with your FSA user name and password to complete the application online.  If you do not have one, you may click Create FSA ID.

Click here to print the employer certification form.

Click to get the frequent asked questions from the student loan website



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Make Money While Sitting at Home

Fast, Easy Way to Make Some Extra Cash Just Sitting At Home!!

Hey! Are you looking for a way to make some extra cash but don’t have time to get a second job!! I just got this idea from a friend who is doing the exact same thing. I was talking with her earlier about me needing extra cash to get caught up on some bills. It is amazing, how one little simple request puts everything in perspective. We all shop online right!! We look for bargains and sales that we just can’t seem to pass.

What if I told you that you can get paid to shop? Sounds crazy right!! I thought the same thing, until I actually tried it. So, let’s say that you saw a pretty pair of black stiletto’s in JC Penny that you can’t stop eyeballing, but the price is a bit too much for you to pay right now. “Well, at least you thought it was”. Let’s say that there is a way that you can get those same shoes for about 30% cheaper than you saw them in the JC Penny store. So here’s the thing, and it’s perfectly legal. Go to Ebates and create you an account. All of those stores offer coupons for you to shop with them and Ebates also pay you to shop also. So you actually getting those “drop dead, on point black stiletto’s” a lot cheaper that you would have paid before Ebates. I couldn’t believe this until I tried it myself.

Now, I’m going to take this a little further, How about after you pay for those awesome shoes, you decide that there was another pair that you were eyeing that look just as bad as those and they’re “sexy red”. Of course, they’re just as expensive as the black ones. You don’t have the cash right now because money is tight, bills are due and you got to go and get your nails done!!- “I know right”. Now let’s think about that for a second. How can you get your hands on those shoes?

Well let me fix that for you!! Log onto and create you a seller account. Take a picture of those drop dead gorgeous black stiletto’s and sell those babies for the original price that was posted in the JC Penny Store. I would probably sell them for about $5.00 cheaper so they could sell quickly. This is how most people make money with Ebay, Amazon, Etsy, Shopify, etc. It’s perfectly legal and you can make a lot of money doing this.

Don’t believe me, just buy one item following the steps I just listed. You will be amazed at the results!! People aren’t going to Garage sales anymore, they are shopping online looking for the cheapest prices, and you’re in luck because someone is looking for those drop dead gorgeous black stiletto’s you just listed on Ebay.  Not only did you sell those shoes, but you also just made some extra cash and now….. you can purchase those “sexy red” shoes that would make that black dress on fleek. And the best thing about that is, you didn’t even spend anything extra!!

Need help setting it all up, leave me a comment and I can show you how!!

“Good luck and happy trails”

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Build Your Support Team First

Simply Become Who You Are!

As I sit at my desk this Wednesday evening, thinking about where I want to take my soaping business.  How successful do I want to be?  I eventually would like to quit my current job and make soaping my full time business, but with medical insurance for self-employed individuals being so expensive, I would have to be bringing in at least $20,000 a year to afford my yearly premiums on top of other liabilities.  It has come to me that in order to make this dream a reality, I’m going to have to put myself out there and work a lot of after hours.  I have no life right now, coffee doesn’t work for me, it makes me severely constipated. My date night has turned into sitting in front of my computer searching recipes, social media sites, and affiliate soaping sites for my next big invention.  I am constantly monitoring Facebook, Pinterest, and Twitter. I don’t usually go to bed until 11:00 p.m. or later depending on my internet service. Sacrifices! You can’t be successful without losing something important, right?

So how do you put it all in perspective without losing it.  My advice is to have a come to Jesus meeting with your family first.  This is your major support, if they don’t share the same passion you share about your business, then you are going to have a tuff time adjusting.  May I also add, ” a lot of lonely nights and no one to help take pictures of you actually making the soap”.  My next tip is to start a blog, you would be amazed at how many people that are going through what you’re going through that can offer some amazing advice and tips.  Start a support blog for small business owners in your area, talk about what frustrates you about your business.  Offer advice on what you found that helped you the most.  You are reading a blog right now from a frustrated small business owner, so it really does work.  Refer your social media friends like Facebook, Twitter, and Pinterest to your blog.   Create a board on Pinterest and give your friends instruction on how they can add content to your board.  It’s amazing how this helps build your network base when you are at the beginning stage.  Information will begin to flourish and things will start falling into place when you know you can call on a knowledgeable “friend” from your circle for advice.

When I first started my soaping business, I YouTube everything,  I watch videos on how to make soap for weeks.  SoapQueen TV is my absolute best site to visit.  It gives you step by step instructions from beginning to end.  I found out how to make my own soap recipe using the lye calculator.  This is also where I found out that I could adjust my batches to fit the exact molds I had.  A wealth of information that saves time and money for a beginner.  There is a simple ingredient on soaping101 that I found easy that uses ingredients from Dollar Tree.  This is a cheap way of finding out if this business is for you without buying expensive ingredients and materials.

I also did a lot of online research, I talked with actual small business owners that sold soap.  Some gave me tips, some thought I was snooping in their business and didn’t want to talk to me. Anyway, just make sure you know about your ingredients, how to mix them together, what oils paired together gives the best moisture, etc.  I am still constantly doing research to keep up with the latest compliances.  This is a must if you are going to make soaping your business.  Write down your recipes as you go, keep a log of all of your recipes.  You don’t want to make a batch of soap and when it’s time to make a re-batch, you can’t remember what you put in it.  That’s the worst thing that can happen. Keep all your receipts together, start a log, write down how much you spend.  Calculate your expenses monthly so you know exactly how much you’re spending on your supplies.

Last but not least, Keep your work area clean and sanitized.  I always keep 90 proof alcohol on my desk and on my soap table so that I can spray whenever I need it.  I wouldn’t want to purchase soap from someone that isn’t sanitary.  Just keep everything clean and organized,  you never know when a customer spring up on a surprise visit and want to purchase some products.  Oh, yeah!!  make sure you keep some business cards and brochures in your car and purse.  Network, Network, Network!!  Talk to people while you’re at church, the grocery store, hair salon, in the mall, out of town shopping, anywhere.  This is how your local people find out about you.  Let them know when you’re going to be at the flea market.  Ask for their cell so you can text them the next time you’re going to be around.

Never Give up on yourself, it’s a slow business to get into but the market is  there to make a lot of money.  Don’t expect to get rich the first year, but do expect to work long hours without pay.  It’s this is your dream, you have to protect it!!

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Can’t Sleep, so lets talk soap

How about it’s three in the morning and I am up creating a blog for my website.  I tried to go to bed at 10:00 p.m. but woke up around 2:00 a.m. While Laying there in bed, it came to me that I didn’t create a blog page for my website.  I know right!! of all the things I could be doing, I’m thinking about soap. Some of you may be shaking your heads, but most of you feel my pain.  This is my part-time job and it has taken over all of my spare time outside of my full time job.  I swear, if you ask my kids, they will tell you I live on my computer.  I can see them now, when I come in from work and start walking toward my computer, they roll their eyes and tell me that I love my soap room more than I love them. Thank God they’re all over 18! It’s addictive!!