One of the most beautiful things about the internet is that anyone can develop a program, post it on a web site and charge for it. And if the program is good at whatever it does, people will readily pay for it.

"But I know very little about programming", you may say.

Don’t worry, you don’t have to be a rocket scientist. All you need is a decent text editor that recognizes typical programming code (like Notepad++, which is free), and then choose whether to use an SDK or API for whatever it is you want to program.

SDK: Software Developer Kit. An example is the Microsoft Office Developer Center. Lots of stuff with plenty of how-tos. SDKs are available for almost any popular application out there. Just do a Google search for "[program name] SDK" and it probably exists.

API: Application Programming Interface. For most people this is easier than using an SDK. And the best part is that you can use your web site (via PHP, Perl, MySQL and so on) as the testing grounds.

APIs are what make new and interesting things happen with a lot of different web sites.

Two examples: YouTube API, Twitter API.

Using YouTube as an example, be examining the Getting Started page there are things just about anyone can do even with the most basic of programming knowledge. And once you get familiarized with that you can move on to bigger and better things.

Another example: World of Warcraft API.

If you play WoW, you’ll learn things about the game by studying the API that you never knew before. And you may be able to put together the "ultimate" add-on that players would be willing to pay for. You never know unless you try.

SDKs and APIs are by nature openly available because software makers want you to program stuff for their products. When you do, this increases sales/popularity of their software and can also make you some money in the process. It’s a win-win situation.

The only thing you truly have to spend is time. Programming, especially for the beginner, is a slow learning process. But once familiarized you’ll be able to do some amazing stuff.

You wanted "hands-on" learning without spending anything? Well, it doesn’t get any more hand-on than this concerning making your own programs/applications.