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You know what experts say* you'll have to spend money so you can make money. If this is the concern that has been keeping you from starting your very own home-based business, then it's time to consider a few things. First of all, you do have to spend so you can begin your business venture. However, you do not need a fortune just to get started. To give you an idea of what you can accomplish on a budget, here are some low cost home-based businesses you might be interested in:

Yoga and exercise classes

Yoga remains as one of the most actively practiced health disciplines. As more and more people recognize the importance of being fit, they become much more open to the possibilities of an active lifestyle. This business is also quite flexible * you can schedule your own hours. You can also offer classes not just to adults but also to teens and young children.

If you're already a fitness buff, you can start informal classes in your neighborhood for a small fee. You will need a clean, spacious area in your home, along with a few weights, probably a wall mirror and some good music. Your clients need only bring their own mats and you're set. You could also earn more if you have a fitness certification. This will allow you to become a personal trainer and charge higher fees.

Event planning and organization

This can be a low cost home-based business as long as you have the right network of contacts. All you'll need is a brochure, a computer, a printer and a planner. You'll need to print out your adverts and promotional materials along with your company brochure for presentations.

To get clients, ask friends and family for help. Or you could start by offering a pro bono job for your first client (preferably a friend or close family member), then ask for referrals. Always take pictures of the event, get feedback in writing from satisfied clients and ask permission in case you wish to use them for testimonials.

Massage therapy

If you have nimble hands and have the right certification, this is an excellent money-making business you can do part-time or full-time. You can schedule clients to visit your home for massages or spa treatments. Just make sure you have a clean, quiet room in your house that offers privacy and rest. Charge more if you will be offering your services in clients' homes.

Freelance writing

There are plenty of things you can do as a freelance writer * write and edit resumes, write copy for brochures and promotional materials, provide assistance in the form of grant writing or provide content for websites. All you have to do is have a computer, a reliable Internet connection and a word processing software. If your clients will need hard copies, you will probably need a printer and some paper supplies.

You could also start a newsletter of your own and market it to a niche. Once you have paying subscribers, you'll make a nice profit in a few months' time.

Tutorial services

This is a perfect home-based business for you if you like teaching and live near a neighborhood filled with kids and young people. You could offer tutorials to help them with their school subjects or teach them new skills and hobbies, such as those related to arts and crafts. This is a good low cost home-based business during school season or during summer breaks.