Whether you're 22 years old and eking out a living at your first job or 42 years old and juggling your kids' expenses while taking out ever-larger cash advances on your credit cards, you lack something: enough money.

Sometimes you can pull some more money together by getting more serious about setting a budget and adopting austerity measures. But often it boils down to facing the fact that you just need to earn more money.

Here are some suggestions for doing just that.

Moonlight

If you've ever thought about turning your skills as a pianist or your ability to cast ceramic pots into a part-time teaching job, now may be the time to put that plan into action. Check with community colleges or university extension programs in your area to see if they need extra teachers. Advertise your services by placing flyers with your contact information in local gyms (get permission from management first), libraries or universities. Or check out art studios or music stores in your area to see if they offer classes or lessons. Find out if they're hiring teachers.