You mentioned "Stop spending money on things you don't need". People would be surprised at how much money they could save by re-evaluating what they are spending on. Ask yourself how often do you eat out each week? How much would you save if you ate at home? Something else that falls into the same category is "Stop spending TIME on things that don't get you where you want to go". This could mean turning of the television and focusing on entrepreneurial efforts. This could mean shutting off a video game and investing that time in an online business venture. Do you have other time-wasters that are contributing to your limited income?