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Build a pile of small (Ruby) applications. Small in terms that the prototype could be delivered in weeks, and only needs a few weeks till production. So first step is to fine "easy jobs" that you can solve faster then others, and sort out the bad customers. I offer 2% discount if they pay invoices within a week. Only two type of customers would pay late: Those with a cash flow problem, and those with an account problem. Drop them! Also drop any kind of toxic customers. Keep the good ones.

Offer a maintenance contract of $50 per month for the server and the software to the good customer. A year later you will have 4 or 5 contracts paying half of your bill, for doing backups once a week, installing security updates, writing invoices, and perhaps sometimes writing an email to the customer or even patching a bug.

You can play around with own ideas, once you have a semi passive income. I would try to solve a problem with a software as a service.




Can you give some examples?




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