In my book, Wealth Virtues, I discuss various means for eliminating debt. After cutting expenses, creating some means of deriving additional income is the next logical step. To do so, one must evaluate the cost, either in time or capitol, to invest in that new endeavor. I suggest using Benjamin Franklin’s virtue of Industry as the guide to devote time, rather than money, in this effort. Of course, the time you devote to this effort must be balanced with your duties to your family and other means of employment. Once you have resolved to dedicate your newly found “free time” to this effort, let me suggest some entirely free tools to provide the path for this additional income.