Even with a full-time job, it is very difficult for some people to have enough money left over for savings. It can be an aweful feeling living paycheck to paycheck, with no money for emergencies or a savings account for things such as a college fund, owning a home, or retirement.

Finding a part-time home job can be a great way to earn that extra income to put towards a savings account. Having a second job does not sound appealing to many, but having a home job for this second income is a less stressful way to earn more money. You would not have to take out the extra time to get ready to go to another job or worry about commuting.

These days there are many ways to earn extra money at home, but you must be careful to avoid scams. It is important to know that you do not have to pay for information about home jobs or where to find them. There are many websites that offer free home job listings and you can also find great opportunities simply by knowing how to do a good search on Google, Yahoo, and other search engines.

By searching with keywords such as "telecommute," "hiring home workers," "freelancers," "home office required," and terms that employers are likely to use, you will have better success. You can even find good stay at home jobs with these keywords by visiting major job search engines such as monster.com, indeed.com, and careerbuilder.com. Checking classified websites such as craigslist.com can also be a great way to find such opportunities, but as with any search, you still must know how to spot a scam when you see one.

While this is not true for all ads, most scam ads are very flashy, promising a lot of money for little or not work, ask you to sign a short form, or pay for a "kit." You must use good judgement and if it looks suspicious, it probably is.

Some examples of types of home jobs are customer service jobs, freelancer websites are a great way to make money, writing articles, transcription, accounting and bookkeeping at home, virtual assisting, and some types of "get paid to" jobs are legitimate. I do not advise getting into taking surveys or click for cash type of work. Some of the "get paid to" work that is legitimate includes getting paid to post on forums, getting paid for reviews, and getting paid for short tasks.

By following some of the advice listed here, you will be on your way to finding a second source of income that can help you to start saving money for future needs.

Author's Bio: 

I am a stay at home mom and home worker in Lubbock, Texas. I have worked from home for many years and make more than I ever did having a "normal" job. I currently work for a company by the name of Lionbridge as a Google Quality Rater, I write for content websites, I am an MSPA Gold Certified Mystery Shopper, and I also do courthouse research periodically. I found all of my stay at home jobs without paying a dime, but it took some research and discernment. I now own a website, http://allstayathome.com which is a home jobs directory dedicated to helping others find these legitimate work at home opportunities.