Learn About Financial Literacy and Starting Online Business

The secret to making money online or starting any business for that matter is having a bird’s eye view of how the whole system works.
That way you can choose the best fit for you personally – and immediately know what to target so that your income grows at a happy rate.

Number one – Online is just as complex as offline.

A lot of people think that the internet is simple way to earn money, you either have a business website, a blog, a shopping website or a social website and then one of those becomes your business model and start making money for you but a lot of the time see these opportunities as only a choice of a few ways to make money.

Before I start teaching you about how to make money online and I want you to ask a few questions to yourself and be honest.
These self-assessment question will be determined that you are serious about your life and you want to change your life and get rid of the rat race.

Do you really want to change your life?

I will go into detail on all the different types of choices you have available to you in your chosen method of making money online I will list a few of the biggest methods that are probably earning the bulk of the money for people all over the world online these days.
The idea is for me to explain it in enough detail for you to realise that you either love that method or are glad you found out you hate it before you wasted time trying out a website business within that niche.
So, while I have already told you that there are thousands of ways to make money online there are about 10 big and popular ways to make money. From those 10 are another 20 offshoot ways to make money. Then within those offshoots, there will be other offshoots that could still earn you a very decent living.
I will list them here and add some points as to what skills you will need to become part of that method of earning an income.

When I say you do not need to spend any money on an idea or online business model, I am probably not including the fact that for 99% of the opportunities you will need a domain ($12 ish annually) and Hosting ($10 ish per month).

You could earn a massive amount of income methods without a website at all but it just makes sense to have a “home base” website anyway. You decide. (The Apps Firm can help you to make one for you at affordable rates.)

Question 1.

Are you able to spend at least 4 to 6 hours a day to learn and practice the online business exercise.

(If yes then, congrats you have the right mindset to start)

Question 2.

Will you do it at least 6 months until you gave up on your dreams ?
If yes, than you are most welcome to read this article further otherwise don’t waste your time. This is not for you. Watch movie or comedy and live with your life and feel all is well.)

Question 3 and last one ?

Will you read this article full ?
(If yes, than you are born to do business)
Making money specially online is very time consuming and frustrating task, are you able to control your emotions to face the failure again and again until you got it right?

Now no one can stop you making money either it’s online or offline. You are born with gust’s to be a successful person.

No more talking … let’s jump to the point.
Running any kind of business and making money, required a few sets of skills. Here is an overview that you must know. And select what is better for you to pick and read about it and practice about it and become professional in it and get your first pay cheque.

You need to know about Financial Literacy, otherwise, you will never be able to progress to make money online.
Type of activities people can do make money online from home. 

In each of these main money making categories, I will add these questions below and ask yourself.
Do you need a website?
Do you need any skills at all?
Do you need complicated skills?
Do you need to spend money?
Do you need to have detailed knowledge of that subject? How much income potential does this niche/method have? How fast would I likely start to earn money?
Would I need one or many websites?

The whole point is to give you the opportunity to choose the correct section/field/niche BEFORE you start. I will answer these question in live session today night (18 – May – 2019) at 11:00 PM Pakistan Time.

What Is Financial Literacy?

Financial literacy can be defined as the ability to understand, to evaluate, and communicate information about money and financial services. This includesthe selection of appropriate financial options, the ability to plan for the future, and the capability to respond to life events and their effect on personal finances.

I know its boring but let me explains it you in easy way. But first as you know that We were not taught financialliteracy in school. Ittakes a lot of workand time to change our thinking and tobecome financiallyliterate.
so lets understand first

What Does Financial Literacy Include?

The knowledge and skills of standards address credit, debt and money management, planning, saving and investing, and community and financial responsibility. They relate income and education, address being a critical consumer, and define responsible risk management. (Ohoo boy, zia I though it will be easy to making…. No its not.) Educate your self first, Thanks why the first word from Allah was Iqra. Read.. so you have read about few technical things to start making Money.

Learning Outcomes from Financial Literacy

  • prepare a personal financial budget
  • set personal financial goals
  • communicate financial information
  • make simple personal financial decisions

if you knew these than you are capable to making more money online.

Ok When some one start online making money, he/she must know about these thing.


Freelance work can be started today with zero up-front investment. If you take the time to move beyond writing – and master a specialized, in-demand skill – you can easily earn 5-figures per month. However, the freelance world is fiercely competitive

Most In-Demand Freelance Positions

WritingIncludes writing blog posts, articles, ebooks, print books, brochures, newsletters, booklets, white papers, special reports, package information, advertising copy, and press releases.
ProgrammingWordPress, HTML5, PHP, Ruby on Rails, mobile apps, WordPress plugins, WordPress themes, ecommerce, Joomla, and MySQL.
Internet MarketingSEO, PPC account management, social media (YouTube and Pinterest), sales copywriting, website conversion optimization, sales, email marketing, PowerPoint presentations, public relations, blogger outreach and guest posting services.
Graphic DesignWeb design, print design, packaging, infographics, logos, vectors, corporate identity, videography and business card design.
Customer ServiceData entry, virtual assistance, customer service representative, web research, telephone customer service, accounting and transcription.
TranslatingHot languages at the moment include Chinese, Spanish, Brazilian Portuguese and Japanese.
No matter what “other” language you speak, you can usually find work if you’re talented and experienced.

Make it Happen

ElanceThe most active and highly respected freelance site on the web.
Competitive but tends to have more high-paying online jobs than most other freelance boards.
Freelance writing for clients on this site.
PeoplePerHourPost a list of “Hourlies”: pre-defined tasks that you’re willing to do for a set price.http://www.peopleperhour.com/
TextbrokerStrictly for writers.
Good: Steady stream of work. Bad: Low Pay.
Envato StudioFocused on design and web-development.http://studio.envato.com/
Behance JobsGreat place for talented designers to find high-paying work.https://www.behance.net/joblist
99 DesignsIf you can make your design stand out, this is the site to use.
Businesses post their design job, you provide the mock-up, and they choose their favourite.
UpworkFind freelance projects and grow your business.https://www.upwork.com/
GuruAnother popular freelance board.http://www.guru.com/
FiverrEverything here costs $5.
Good place to make extra cash if you can do something that makes you stand out.
FreelancerSimilar to Elance and Upwork with a focus on programming and design.https://www.freelancer.ca/

Affiliate Marketing

Who says you need your own product to make money online? The great thing about affiliate marketing is that you can make money fairly quickly as there’s no need to become an expert or struggle with product development. Simply get your affiliate link in front of people interested in a product or service, and when they buy, you’ll get a commission on every sale. It’s important to note that due to the low barrier to entry and margins, affiliate marketing is quite competitive.

ClickBankEasily the largest marketplace for digital goods on Earth. Super-reliable payments and a wide selection of products in every niche. Make up to 75% per salehttp://www.clickbank.com/
BlueHostWant to make $65 per sale? Consider promoting this reliable web hosting providerhttp://www.bluehost.com/
Apple Affiliate ProgramMake a commission promoting iTunes, Apps, Movies and any digital product that Apple sellshttps://www.apple.com/ca/itunes/affiliates/
eBay Partner NetworkLucrative in the right niches (high-tech, electronics, expensive collectibles, etc.).https://www.ebaypartnernetwork.com/files/hub/en-US/index.html
Amazon AssociatesAs an “Amazon Associate”, your cut will be significantly less than ClickBank or Commission Junction, but you can make money promoting Amazon productshttps://affiliate-program.amazon.com/
CJ AffiliateSimilar to ClickBank.. Good place to scope out productshttp://www.cj.com/
HostGatorSimilar to BlueHost Affiliate Program. Make up to $125 commissionshttp://www.hostgator.com/

Sell Arts, Crafts and other Handmade Items

People are tired of buying the same mass produced products that everyone else has. They are willing to pay more for something handmade and unique. If you have a knack for sewing, arts and crafts or handmade jewelry, there are a few amazing online marketplaces to help you cultivate and sell your work

EtsyCreate your own store and get your work in front of thousands of buyers in minutes. One of the most popular marketplaces to sell handmade products.https://www.etsy.com/ca/
eBayVery popular site.http://www.ebay.ca/
Art FireExcellent marketplace for unique hand-made items. Etsy’s competitor.http://www.artfire.com/
FolksyBuy and sell handmade gifts and craft supplies.https://folksy.com/
CraigslistArts and crafts section Works best if you live in a large metropolitan area.http://toronto.craigslist.ca/
Café PressUpload your design, get it approved and they’ll print it on their T-shirts, mugs and posters.http://www.cafepress.ca/
ZazzleClothing-focused marketplace for designers.http://www.zazzle.ca/
Spread ShirtFantastic place to sell unique t-shirt designshttp://www.spreadshirt.ca/

Cost-Per-Action Marketing

You get paid for Cost-Per-Action (CPA) Marketing when someone performs an “action” which is often free for the user. Examples include getting a quote on insurance, signing up to a website or requesting information on online colleges. The downside to CPA is that most networks tend to go through a lot more due diligence than affiliate networks, meaning you have to jump through a few hoops to get in.

OfferVauSearch engine for CPA offers. Includes almost all the major players. Sort by category, network or payout amounthttp://www.offervault.com/
NeverbluAnother reputable network.http://neverblue.com/
PeerFlySolid network.https://peerfly.com/
MaxBountyA respected network with weekly payments and a wide selection of offershttp://maxbounty.com/

Content Revenue Sharing

If you want to put your content on authority sites that already have a steady stream of traffic – and get paid for it – then you may be interested in revenue sharing with authority sites. By posting your content on authority sites you’ll get more traffic than if you posted it on your own blog. In return, you get a cut of money they make.

HubPagesCreate “hubs” and monetize them with Adsense, eBay and a handful of othershttp://hubpages.com/
Digital JournalTough to get in but the site’s authority helps bring in traffic.http://www.digitaljournal.com/
YouTube Partner ProgramIf you can create viral videos, then sign up as a YouTube partner.https://www.youtube.com/yt/creators/get-started.html
Best ReviewerWrite your personal Top 10 list and then make money.http://www.best-reviewer.com/
InfoBarrelContribute knowledge in the form of media (articles, videos, picture galleries or sound clips) to generate an income.http://www.infobarrel.com/

Video Marketing

With YouTube emerging as the place to share and watch videos, many internet marketers are making fulltime salaries just from YouTube videos. The key to doing well with video marketing is providing tremendous value to whoever is watching.

YouTubeMake sure your channel has a tight niche with consistent updateshttps://www.youtube.com/
AOL.ONA tutorial-focused video site that allows you to show off your expertise to a new audience.http://www.aol.ca/
MetacafePopular video sharing site.http://www.metacafe.com/
Camtasia StudioProfessional screen capture software for tutorials.https://www.techsmith.com/camtasia.html
VimeoGood place to upload your video for some additional views.https://vimeo.com/
FlixyaWorth taking the time to upload after you’ve taken care of YouTube.com.https://www.flixya.com/
InstructablesExtremely popular tutorial site that supports how-to videos.http://www.instructables.com/
Screencast-O-MaticCheaper alternative to Camtasia Studio. Simple and easy to use.http://www.screencast-o-matic.com/


Ever want to turn your passion into profit? Then blogging may be your answer. However, before you begin, it’s important to understand that blogging is not the fast track to millions. If you follow the story of the most successful bloggers on the planet, you’ll notice that they had to hustle to get where they’re at.

WordPress.orgEasily the best and most popular Content Management Software
(CMS) in the world. Avoid WordPress.com which is where you can host your blog forfree. 
Joomla!Another powerful Content Management Software (CMS) and alternative to WordPresshttp://www.joomla.org/
WooThemesThemes are pre-made and customizable designs for your WordPress-powered sites. Themes are pricey but professional.http://www.woothemes.com/
GoDaddyLeader in domain name registration.https://ca.godaddy.com/
BluehostReliability, speed and one-click install of WordPress and other blog software make this the best hosting provider for bloggers.https://www.bluehost.com/

Question & Answer

Sometimes search engines simply aren’t enough. That’s where Q&A sites come in. When someone needs a personalized answer in a hurry, they often turn to popular answer sites to get the help they need. If you’re an expert in a particular field then you can make some side-money by answering questions

LivePersonRegister as an expert, and start answering questions over the phone, via email or over a live chat.https://www.liveperson.com/
Web AnswersGet paid to answer questions onlinehttp://www.webanswers.com/
JustAnswerMost popular Q&A site on the internet. Well paid. Need credentials and degrees to get more money per answerhttp://www.justanswer.com/HomePageIntegration.aspx

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