Forgot to mention one other facet of music and money - teaching.

I give occasional lessons by request. I'm pretty strict about this. I only teach adults. I charge £25 per hour, which includes any music, tabs, mp3 examples, etc. I give the pupil work to do after the lesson. If that work isn't done, then there are no further lessons until it has been done - thereby not wasting my time and the pupil's money!