Starting out as a photographer

Hawkins urges budding photographers to start gradually by posting their photos to a site like Flickr.

"Try to establish a reputation online by publishing online," he says.

In the crafting world, Web sites such as Etsy offer merchants of handmade goods a way to expand their customer base while conveniently selling their products. Sellers who use Etsy can use the service to take payments via PayPal or money orders.

Other craft-selling Web sites include FreeCraftFair. com and Handmade Catalog.

Adam Brown, spokesman for Etsy, says handmade jewelry and craft-making supplies are two of the site's most popular categories.

To make money online, Brown says sellers must pay particular attention to posting good photos of their products and writing eye-catching descriptions. These skills are important, since the Web page has to substitute for a tangible product.

Brown also recommends the age-old suggestion of good customer service.

"When people contact you, you should always respond quickly," he says.

He says other smart marketing moves -- such as throwing in freebie extras when a customer orders something -- can build customer loyalty.

"Adding a personal touch really helps," he says.