Skill: howtousehumans/start-a-micro-business (version 1.0.0)

--- name: start-a-micro-business description: >- Start earning income with no capital and no connections. Service-based and skill-based micro-businesses you can launch this week. Not "build a startup" — practical ways to turn what you already know into money. metadata: category: money tagline: >- No capital, no investors, no business plan. Turn what you already know into income this week. Practical micro-business models that work. display_name: "Start a Micro-Business" submitted_by: HowToUseHumans last_reviewed: "2026-03-18" openclaw: requires: tools: [filesystem] install: "npx clawhub install start-a-micro-business" --- # Start a Micro-Business You don't need an investor, a business plan, or a logo. You need one skill that someone will pay for, one customer, and the ability to deliver. This is not about building a company. It's about creating income when the traditional job market has failed you. Every business below can start this week with $0-100. ## Sources & Verification - **U.S. Small Business Administration (SBA)** — free business planning tools, legal structure guidance, and local assistance offices. sba.gov - **SCORE** (Service Corps of Retired Executives) — free one-on-one mentoring from experienced business owners, plus free workshops. score.org - **IRS Small Business and Self-Employed Tax Center** — definitive guidance on self-employment taxes, deductions, and quarterly filing requirements. irs.gov/businesses/small-businesses-self-employed - **Small Business Development Centers (SBDCs)** — free consulting and low-cost training available in every state, funded by SBA. americassbdc.org - **"The $100 Startup" by Chris Guillebeau** — case studies of micro-businesses started with minimal capital, focused on the exact model this skill teaches ## When to Use - User needs income but can't find traditional employment - Wants to create their own income stream - Has skills but doesn't know how to monetize them independently - Needs something that starts generating money within days or weeks, not months - Looking for a bridge income or a permanent alternative to employment ## Instructions ### Step 1: Find your monetizable skill You already have skills people pay for. You just think of them as "normal." ``` SKILL FINDER — check everything that applies: CAN YOU DO ANY OF THESE? [] Write clearly (emails, documents, proposals) [] Organize information or spaces [] Use spreadsheets / data tools well [] Explain complex things simply [] Fix things (computers, appliances, furniture, houses) [] Cook well [] Drive and lift things [] Speak another language [] Take decent photos [] Manage social media [] Do yard work or cleaning thoroughly [] Help people with paperwork or forms WHAT DO PEOPLE ALREADY ASK YOU FOR HELP WITH? (This is the strongest signal. If friends/family come to you for something, strangers will pay for it.) WHAT DID YOUR OLD JOB TRAIN YOU IN? (Project management, accounting, writing, design, sales, customer service, logistics, HR — all sellable independently) ``` ### Step 2: Pick a model that matches ``` ZERO-CAPITAL MICRO-BUSINESSES (start this week): SERVICE-BASED (trade time for money directly): - Cleaning (residential or move-out): $25-50/hr - Yard work / landscaping maintenance: $30-60/hr - Dog walking / pet sitting: $15-30/visit - Handyman services: $40-80/hr (see: Basic Home Repair skill) - Moving help: $25-40/hr - Personal organizing / decluttering: $40-75/hr - Errand running for elderly/busy people: $20-35/hr SKILL-BASED (leverage what you already know): - Bookkeeping for small businesses: $30-50/hr - Resume writing and job coaching: $50-150 per client - Tutoring (math, language, test prep): $30-75/hr - Social media management: $500-2000/month per client - Virtual assistant: $20-40/hr - Tax preparation (seasonal): $100-300 per return - Copywriting / editing: $40-100/hr - Translation: $0.10-0.25/word LOCAL / PHYSICAL: - Estate sale coordination: 25-35% commission - Reselling (thrift/estate sales to online): variable - Farmers market vendor: if you grow food or make things - Mobile car detailing: $50-200 per vehicle THE KEY QUESTION: "Can I get my first paying customer within 7 days?" If yes, that's your starting model. ``` ### Step 3: Get your first customer this week ``` DO NOT: build a website, design a logo, create social media accounts, write a business plan, or register an LLC. DO THIS INSTEAD: DAY 1-2: TELL EVERYONE - Text or call 20 people you know: "I'm now offering [service] for [price]. Know anyone who needs this?" - Post on Nextdoor, local Facebook groups, community boards - That's the entire marketing plan for month 1 DAY 3-4: DO THE FIRST JOB - Your first customer will probably be someone you know - Charge below market rate for the first 2-3 jobs - Do exceptional work — referrals are your growth engine DAY 5-7: ASK FOR REFERRALS - After every job: "Do you know anyone else who needs this?" - Ask for a text/email testimonial you can share - Offer a referral bonus (e.g., $20 off their next service) THIS WORKS BECAUSE: - Local services have zero competition from AI - People pay for reliability and trust more than expertise - Word of mouth is the most powerful marketing and costs nothing ``` ### Step 4: The business basics (only when you have paying customers) ``` DO NOT do any of this until you have 3+ paying customers: PRICING: - Research what competitors charge in your area - Start at the low end to build clients, raise prices at month 3 - Always quote a flat rate for the job, not hourly (you earn more as you get faster) MONEY: - Open a free business checking account (keep it separate from personal) - Set aside 25-30% of every payment for taxes - Track every expense (mileage, supplies, tools) — they're tax deductions - You probably need to pay quarterly estimated taxes LEGAL (keep it simple): - Sole proprietor is fine to start (no registration needed in most states) - Get basic liability insurance when you have regular clients ($300-500/year) - LLC when revenue is consistent — not before SCALING: - Raise prices 10-15% every 6 months - Add a second service that your customers also need - Hire help only when you're turning away work consistently - Never scale before you're profitable at the current level ``` ## If This Fails - **Temp agencies and gig work as a bridge** — if you can't find your first customer within 2 weeks, temp agencies (Robert Half, Kelly Services, local agencies) can place you in paid work within days. Not your business, but it's income while you figure it out. - **SCORE free mentoring** — if the business isn't gaining traction, book a free session with a SCORE mentor at score.org. They've seen every failure mode and can diagnose what's wrong. - **Pivot the service, not the concept** — if nobody's buying what you're offering, ask the 20 people you contacted what they DO need done. The market will tell you what to sell. - **Cross-reference: Career Reinvention skill** — if self-employment isn't the right fit, the career reinvention path covers employed options in growing fields with realistic training timelines - **Cross-reference: Emergency Financial Triage skill** — if you're running out of runway before the business takes off, stabilize finances first. Income generation doesn't work under financial panic. ## Rules - Lead with the simplest viable option — don't overwhelm with choices - Never suggest anything that requires significant upfront investment - Be realistic about income: most micro-businesses take 1-3 months to reach livable income - Always mention the tax obligation (25-30% set aside) - Don't frame this as "entrepreneurship" or "startup" — it's practical income generation ## Tips - The fastest path to your first dollar is cleaning or yard work. Nobody cares about your resume. They care if you're reliable and thorough. - Pricing too low is the #1 mistake. If you're charging $20/hr for a skilled service, you're subsidizing your clients. Check local rates and match them by month 2. - Consistency beats marketing. Show up on time, do good work, follow up afterward. That alone puts you above 80% of service providers. - Liability insurance for a service business is $25-40/month and covers you if something goes wrong. Worth it from day one of working in people's homes. - The biggest mental barrier: feeling like this work is "beneath you." It's not. Generating income independently is one of the most empowering things you can do. The CEO of your old company can't unclog a drain.


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