The digital economy has given us new ways to be both part time entrepreneurs and consumers, in what enthusiasts call the Share Economy. Have a spare room? You can rent it out to strangers via Airbnb.com -- or use Airbnb to find cheap lodging. You'll meet fascinating new friends, and most likely nothing bad will happen.
Do you need a taxi? Use Uber or Lyft to hail a passing driver and catch a ride for less than the cost of a cab. Or supplement your income by becoming that driver.