* Never pay to join survey panels. All legitimate panels are free.
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* Do not share your credit card information with un-secure sites.
* Ideally join affiliate programs that offer two tier commissions. That way you can refer your friends or other people who want to make money online. Then when they make a sale you'll earn a small percentage for referring them.
* Open a separate bank account and separate your business money from your personal money.
* Always: Instead of thinking of how you must cut down on expenses, think of new ways you can make more money (Without of course spending more money on things that are not necessary for living).
* Don't obsess about making easy money. Keep a balanced lifestyle. Try not to think about making money, think first about how to help people and solving problems. Then you will figure out eventually that you can get paid for solving problems.