There is currently a lot of advice out there on becoming more financially independent, especially with the market’s erratic behavior. But we can never really hear too many tips for making, saving and maximizing income, especially while we're in our 20's and 30's and have a head start. This collection of ideas aims to help you fare the rough seas, and maybe bring you a little closer to retirement before you need a hip replaced.

Start a Web business. Financial experts tout the Web business idea endlessly, but it’s solid advice. It’s more accepted these days that you don’t necessarily need an expensive degree to start an online business, and many entrepreneurs create a powerful supplemental income by selling online. Here's some valuable advice on doing it, whether it’s hand-made products, items bought at cost, or clothes from the thrift shop.

Trade stocks. It might not sound like the best idea at first, since a bear market is a rather dangerous place to put investments. But the folks at College Startup are confident there are opportunities in the market’s ups and downs, if you watch for them.

Create a money-making blog. If you have an opinion, some passion and a general understanding of English mechanics, it’s extremely easy to create a blog and start earning money through banner ads, Google ads and paid links. Of course it takes time to start living the good life through blogging, but IncomeDiary has a nice list of successful blogs and what they earn monthly. Impressive.

Become a business affiliate. This area of entrepreneurship is somewhat burdened by false opportunities and scams, but they are far outnumbered by legitimate business opportunities. And many who start out as affiliate marketers eventually become marketing CEOs who trade their Hondas in for Porsches. AffiliateScout is one good place to start looking for businesses opportunities.

Consider turning your hobbies into profit. No one claims you’re going to become a millionaire overnight by selling paintings or catering parties, but it’s a good way to make a side income according to Get Rich Slowly. Besides, if you build up a reputation, you may even find yourself quitting your day job, like Leo Babauta of Zen Habits did.

Find new ways to save money. Cleanliness used to be next to godliness, but it’s possible frugality has edged its way in. Just paying attention to your bank account can reveal all the small, trifling expenses you could easily avoid every day, and it’s surprising how little you miss them when you cut them out. DumbLittleMan provides some wisdom on guarding the leak in your wallet.

Go easy on the credit cards. Just like overspending can be a nasty habit, experts say getting too involved with credit card companies can destroy your financial foundation before you’ve built it. In fact, more students drop out of college because of credit card debt than because of academics. Don’t let yourself follow the plastic road to ruin.

Bone up on money management skills. We can all learn more about saving and spending wisely. For example, it’s widely suggested that due to the exploding cost of living, the average American family is continually living beyond its means. I’ve had to personally make a point to watch my bank account closely, managing small expenses to make more room for the big, important ones. Ms. Money Savvy has a few good tips on doing this, which you can check out for yourself.