Forget get-rich-quick programs. If you want to earn some extra money in your extra time, or if you are a stay-at-home mom, take a look at these ideas for starting a home based business. They require a very small investment (less than $100) to get started, and have been tested and proven prosperous by thousands of people.

1. Direct Sales

No matter what your interests and hobbies are, there is a company out there selling products for it. They are recognized as Direct Sale Companies. You earn money through person-to-person sales, retail, home parties or fundraising. Some companies will bestow you with a website for online sales.

The worst thing about this type of job is that is based solely on commission and you need to sell consistently in order to bring in a profit. The good part? Commissions are usually high (20-50%) and you can earn free merchandise as a reward for good sales.

To get started, you need to invest in a Starter Kit from the company, which usually includes sample products, brochures or catalogs, and all necessary forms and applications.

Some companies with a proven record of good sales are: Pampered Chef (sells cookware, kitchen gadgets, and seasonings; Starter Kit is $90), Petra Fashions (lingerie; Bronze Kit is $79; others available), Discovery Toys (educational toys, books, games, and software; Standard Kit, $99), Country Bunny Bath & Body (bath, body, and spa products; their Managing Services Program is $89), White Lily Candles (Choice Kit, $80; cheaper kits are available).

2. Sell Discount Healthcare Plans

Discount benefits plans can be medical only, or cover dental, vision, prescription, and sometimes chiropractic services. They are aimed to people without insurance that want to save money on medical assistance. This is a relatively new service, so there is little competition out there and a potential for great income.

Although you start with direct sales, you can also make money by persuading other brokers, which would earn a commission for you with every sale they make.

AmeriPlan is the top selling plan on the market. You pay $95 for the Basic Broker Kit and then $35 each month to continue as a broker. This includes a free coverage plan for you and all household members and a free website to promote your business. You earn a 30% commission on every enrollment.

3. Sell Crafts

If you are an artist of some kind, you already have the foundation for a new business. Ceramics and pottery are particularly saleable, but you can branch into anything you like, from wood ornaments to pressed flowers to scrapbooking.

Start small, attending craft or county fairs, flea markets, or renaissance fairs. Talk to other artists to see what sells and what doesn't. If you form a friendship with another crafter, you can offer to share the expenses of a booth with him or her. In smaller fairs, you can buy your own table. Unless you think of participating only in fine art and juried shows, keep in mind that most crafts are impulse buys and they should be priced accordingly (usually under $50).

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