Help me with family budget?

I am not sure whether you are qualified to do this or not, but there is a smart way of making money with least effort. The M-L-M concept, that is Multi-Level-Marketing. You might have heard of oriflame or amway. They sell through a network of sales people, and indirectly earn a commission on every additional member. If you are working, then its much easier. You need to catch hold of a few friends and convince them to become your agents, and then the chain grows.