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Low cost business ideas are fun to find. Once you find your ideal idea you know you’re in for a quick turnaround of profit in your first year in some cases, and in others even on your first day of business! Who wants to know about high profit low cost business ideas? We all do! I have chosen 5 core areas I believe are high potential businesses with a history of long-term sustainability, healthy growth and demand, and can be started with a low budget in many cases.The 5 low cost business ideas I have chosen are in Jewelry, Arts & Crafts, Interior Designing, Manufacturer and Wholesale products, and SME Bookkeeping. Lets get started.Jewelry SellerThink you can run your very own dream jewelry business? We all know that our the love for gold and silver, and for precious stones like diamonds, rubies, and sapphires, is so age old this trade is going to last as long as there is romance on this planet of ours. You can bet your enchiladas the jewelry business is here to stay and to service that love!While this business may sound expensive to run, you can start small by spending only a few hundred dollars in carefully selecting your merchandise at good wholesale prices.I have a client who works for a telecommunication company who also runs a part-time jewelry business on the side. She buys pieces she adores and only from a couple of trusted gems and jewelry wholesale suppliers and on sells her merchandise to her clients. You can easily Google for these wholesalers in your local area.Buy only from certified suppliers who can give you assurance you are buying the genuine article. Once you find reliable suppliers, stick with those. My client runs her business without a fixed shop by promoting her business to bridal shows and to expos that women and couples attend, women organizations, business owners, company executives, and at the local chamber of commerce. She does well. She also sells her more unique merchandise at high markups to other jewelry stores.Make sure you buy pieces that have that ‘sellable’ factor, the ones that have classic designs at very competitive prices. Try to stay away from abstract designs when you start out, unless you want to specialize in certain types of looks and make.If you are going to set up shop try checking out these ideal spots:
Shop in a busy mall
Busy city areas
Tourist hot spots and resorts
Uptown hotels
Your own online store
eBay
Bridal shows
High fashion zones
One great piece of advice she gave me was to make sure the collection you buy has an interesting mix of gems that are already set, gold and silver pieces, and an array of loose gem stones. You will need classy looking velvet boxes and pouches, and black velvet mats to place your merchandise to showcase to the customer.One thing about this business is that it will never be without an audience of interested or potential buyers.Interior Designer and ConsultantAn interior designer usually ‘discovers’ his or her own unique decorating flair early in life. If you have a natural passion and talent for decorating and designing interiors, this might be a great business to let loose your designing skills and be paid well for it!The reason why I feel this is potentially a very good business idea is from a recent personal experience I had. My wife and I hired a decorator and for around $400 she helped us with some needed renovation ideas. She came to our house and gave us the best 3 hours in home decorating tips and ideas. For us, it was well worth the money we spent which wasn’t that much in the scheme of things. In fact she’s been back several times to drop off a few more research she did on what we had asked her about. We got a new lease of inspiration for our home that we couldn’t have achieved ourselves and she got our life long recommendation.By the way, we were referred to her when we were looking at color schemes at our local paint shop. So go and make sure you network at places that spins off from what you do such as the paint shop, the hardware store, the curtain place, the local real estate office and so on. You get the idea.There will be so many situations and places that will require a service like this if you stop to think about it. Here are some you can start your list on:
Businesses with reception areas
Practices such as doctor’s waiting rooms
Private residences that are going through renovation
Government offices
Luxury boats and yachts
Commercial premises
Factory offices
Portables such as classrooms and temporary offices
Tired-looking business establishments
Businesses that have just moved in
It would help your business success greatly if you have evidence of experience, testimonials and perhaps a relevant qualification. A nice website would be advisable to showcase your work.Arts & Crafts Market BusinessAh this is an evergreen. No matter how futuristic life gets we will always need the works of interesting arts, paintings, and hand-made crafts to bring that touch of life and joy into a place.This is another lucrative business idea and it can be started with a few hundred dollars for products and material. By observing the constant announcements of art shows, craft fairs and market days held in streets, shop fronts, galleries and open car park spaces across the country and in every suburb you can tell this is one thriving industry.If you are good at creating something that people have said they’d give you money for, the arts and craft business might be a business to consider seriously and get paid for what you love doing. If so, here are some things you can do to get a feel of the potential before you start out:
Check out a few arts and craft shows and markets yourself
Get a feel of how you might run your business
Investigate the various costs to hiring a booth or a stand
Factor in transport costs, packaging, and signage
Apply for a credit card machine
Get a permit if required
Call your local council and make some enquiries
Learn some good customer service techniques
If it is convenient to do so (I don’t see many operators do this) try to collect contact details of your customers to build a dedicated mailing list. This is going to come in handy to make your business hum with profitability.By building a list you can offer your customers a periodical arts newsletter and use it to announce where and when your next show or stand will be at and the specials you are going to offer. The more you interact with your list, the stronger the loyalty you will earn. Your list will eventually be worth a lot of more money than you imagined. Start by collecting email addresses and or telephone numbers of your customers and from enquiries you get.Do the above and pretty soon you will have more people than you can manage!Independent Sales Rep For A Manufacturer/Wholesaler This idea may sound like a job, but its not. Yes, there are sales reps that are employed by companies to represent them but there are many manufacturers and suppliers who prefer independent sales reps who can sell for them, all at a cut of the sales or for an agreed sum. This can be a quick-earn business that you can get up and running in no time.You can source for products to sell by visiting trade expos, industry showings, to the manufacturers themselves. Choose the kind of products you want to sell. Do your research. Find out what the market wants. Use good old Google to find a good list of manufacturers and product suppliers you can contact. They would love to hear from you. If you can prove your ability and experience they would love to load you up with goodies.You are not tied to a fixed schedule or territory, however this might depend of the needs and demands and the specific arrangements both parties agree on.Try to start with products you can physically transport and showcase. Although this is not necessarily always the case with every manufacturer, sometimes you can sell large machineries and equipment that normally are just not possible to access or carry. Your customers are already used to seeing these ‘heavy’ products via brochures and video presentations.As you can see, this is a business you can start as quickly as you find a supplier who will agree for you to rep for them. If you get a hold of a product that enjoys high demand you can be turning a profit on your first sale.Your market is dual, you can sell direct to businesses or the end user retail consumer, depending on what you are selling.Bookkeeping Services to SMEsIf you are meticulous about balancing the account, and numbers bring a smile to your face, then you were made for this business!Ask anyone at a party or your local businesses, chances are that they will tell you that their accounts are in a mess or that they dread pulling out their financial statements to fix them. That’s where you come in!Here are some of the key issues that businesses and business owners suffer from that make the bookkeeping service such an attractive proposition for the right person:
They are just too busy to do their books
They dread ‘doing the numbers’
They feel inadequate to do so
They are not happy with their current bookkeeper
They struggle with keeping up to date with the ever-changing accounting laws
Depending on the depth and breath of what you offer you can charge anywhere from around $20 to $70 an hour and packaged deals or fixed fees for more specialized preparation of financial and tax statements.Here are some things to consider before you start:
Your qualification to be a bookkeeper
Public liability and professional indemnity insurances
Permits
An office or office area
Telephone to contact businesses
Stationary with letterhead and business cards
Computer and or laptop
Bookkeeping software program
Scanner and fax
Back up hard drive
Filing cabinets
Marketing budget to promote your business
An optional answering service
While its nice to hold a double degree in math, nowadays SME operators just want a good bookkeeper who can spot the numbers and provide accurate and great looking balanced monthly statements.Most business owners and individuals require some kind of bookkeeping help and advice, and many can’t afford to keep a full time bookkeeper. The idea of an off-site on-demand bookkeeping service is great news for businesses and for individuals. It’s a boom industry for anyone who can deliver on-time accurate bookkeeping management.In summaryI hope you’ve enjoyed my 5 low cost business ideas in Jewelry, Arts & Crafts, Interior Designing, Manufacturer and Wholesale products, and SME Bookkeeping. These were chosen for their potential to turn a profit quickly. However, its advisable that you seek guidance from a professional before embarking on any of the ideas listed here.In closing let me list a few more low cost business ideas for you to investigate. I feel these have unique market potential and long term business growth:
Wellness & Diet Personal Instructor
Gift and Fruit Basket Business
Health Snacks Vending Machine Business
Resume and Covering Letter services
Residential and Commercial Cleaning Business
Beauty and Hair Supply Business
T-Shirt With Unusual Taglines business
Outdoor Furniture For Children Business
Garden and Organic Lawn Care Business
Band Promoter & Scout
Mobile Hairdresser Service
Private Home Tutoring Service
There’s nothing like finding your own low cost business idea that can turn a profit in your first year! Be independent. Go for it.

When Buying a car, bad credit presents a challenge for many people that have limited local lending sources. Those that are not aware of online finance opportunities through legitimate lending networks, typically buy cars at high interest rates. Frequently, people with bad credit are turned down locally due to the lendng guidelines of local banks, credit unions and dealer lenders that have strict lending guidelines. Online Financing – There are good lenders online that are willing to help people that have bad credit buy a car. This is an easier process than attempting to pursue local car financing with bad credit. Car loans are secure loans and are easier to obtain with bad credit than credit cards and other unsecured lines of credit. The internet opens a door of opportunity for people that may not have these lenders readily available in their local area, or don’t know where to find them.Overcoming Low Credit Scores -Credit scores aren’t everything when it comes to auto finance. Some lenders are very strict with regard to Equifax Beacon Scores, while others look at the overall picture. Good Lenders that help people that have bad credit, consider factors that are outside of a credit report. This includes income, job time and other factors. Even with a credit score as low as 480, it is still possible to obtain financing if one applies and meets certain basic requirements.Avoiding Predatory Lending Practices – There are more secondary lenders than not, that make enormous profits from lending money at very high interest rates. These types of lenders should be avoided, for obvious reasons. Too many times, people with low credit scores fall into the trap of predatory lending practices, further escalating their already suffering financial condition. The best thing for improving credit, is working with a lender that understands your need to rebuild your credit with good financing terms. It does not help you to fall into the trap of high interest rates and fees.Little to No Money Down Auto Financing – Many people that have bad credit believe that in order to obtain auto financing, they must have money down. This is only the case in circumstances where the price of the vehicle is not advantageous to the buyer, or in cases of in-house car financing. Arranging auto financing without a down payment is simply a matter of having the right combination of car, price, loan value and financing terms. It’s really very easy and good lending sources and included dealer networks can help you with this.Avoid Buy Here Pay Here Financing – The most expensive way to purchase a car, truck, van or SUV is by buying at a buy here pay here dealer. Dealerships that finance their own cars charge very high interest rates and always require down payments. In many cases, a customer pays thousands more and sometimes more than twice, the retail price of a vehicle at these “tote the note” dealerships. The only case in which a Buy Here, Pay Here car lot is needed, is when you are in a current bankruptcy. Even so, it may be less expensive to rent a car, than to buy from one of these types of car lots.Getting a Lower Interest Rate – Some car dealerships, in fact most, make a practice of adding points to the approved interest rate of a customer, especially with customers that are buying cars with bad credit. This makes easy profit for the car lot, however results in higher monthly car payments for the consumer. Avoiding dealerships that use this practice is paramount in obtaining a lower interest rate. Regardless of whether or not a customer has prime credit or subprime credit, this practice costs consumers more money than they should have to spend for auto finance.

Finance and banking are two of the leading forces behind the economy. Both categories are applicable to business, corporate jobs, and personal usage. With money being a driving force in the world people have the option of gaining specialized training in these areas.First, let’s look at the definitions for each field of study to gain a better understanding of where an online class will head as a student progresses through the coursework. Finance is the commercial activity that provides funds and capital. It is the branch of economics that studies the management of money and assets.Banking is the business of keeping money for savings and checking accounts that enable the bank to exchange or issue loans, credit, and more. An individual transacts business with the bank via depositing, withdrawing, or requesting a loan. In essence a bank is a financial institution licensed by the government.Length and pricing will vary depending on the course load, school, and degree desired. Certain schools have a wide range of courses priced at $159 a class. A student can take classes one at a time like above or obtain a degree based on a curriculum given online. A student has the option of finding a school to gain a master’s degree in banking and financial services. Some programs at this level may consist of 12 courses for a total of 48 credit hours. Class structure would have the student taking two, seven-week courses online per semester. The length of this type of program will take an average of two years to complete.Students have the option of completing a degree program online that encompasses finance and banking or gaining a degree in finance and banking separately. Different online schools offer programs starting with an associate’s degree to a doctorate in finance and banking. The right fit will depend on previous schooling and the career goals an individual has.Gaining a Bachelor of Science in Business Administration for Finance can be an option for an individual who has strong career goals in the business field. Learning as a student will give the capability to research, solve, diagnose, and evaluate business troubles in a team environment.Graduating with a Bachelor of Business Administration for banking enables a graduate for a wide range of managerial jobs in business, government, and non-profit organizations. Skills acquired are practical and professional. These skills prepare a student to understand all phases of business, which include decision making and problem solving.With the ability to stay at home, students will have the comfort of being able to obtain a degree in their pajamas. Highly accredited colleges center around four learning environments; Internet, home, small groups, and work. Each one is designed to help further an education and make success possible. Online learning provides a foundation of communication and interaction directly from a student to the professor. Working from inside the home allows the student to determine a personalized course schedule. The instructor will successfully guide students through the coursework utilizing participation with the students enrolled in the class. The practical knowledge gained through an accredited online program prepares students with the skills necessary to become a part of the finance and banking industry.DISCLAIMER: Above is a GENERIC OUTLINE and may or may not depict precise methods, courses and/or focuses related to ANY ONE specific school(s) that may or may not be advertised at PETAP.org.Copyright 2010 – All rights reserved by PETAP.org.