I can’t be the only person who cringes a little bit each time I check my bank statement, especially when I’m waiting for payday to come, am I right? And even if you don’t spend the last week of each month living off beans on toast, I don’t think there’s anyone who doesn’t wish they could make their money go a little bit further, or who doesn’t search for the infamously difficult concept of getting something for nothing.
Well d’you know what? Its not impossible. I’m a religious saver, and I love finding tricks and loopholes that mean I can save a little bit here and there, and because I’m not much of a secret keeper, here are some of the ways I do it!
If you’re shopping online, there’s absolutely no reason why you shouldn’t be using a cashback site – its essentially free money back on your spend! I’m a Top Cashback person myself, but there are other sites out there, and all you have to do is go to the site, find your retailer and follow their link through to the retailers website, then shop as normal. Job done.
The best thing about Top Cashback is that you have the option to withdraw your cashback in loads of different ways. You can either take a normal payout by BACS or Paypal, or you can opt for gift cards for retailers and restaurants such as Primark, Costa, Debenhams and many more, and when you get your payout this way, you get a bonus percentage of your earnings, so you get more on your gift card than your cashback balance – win!
Zeek is a site that I’ve only recently discovered, but its concept is pretty brilliant. You know when you get a gift card for somewhere you don’t shop, and you don’t know what to do with it? Well, you can sell it here – you won’t get the full value of the gift card, but its better than nothing, and the best deal is actually when you BUY gift cards here. Percentage savings vary depending on the retailer, but you can search for your favourite retailers and buy the gift cards that other people have sold, and you’ll pay less than the value – eg a £20 gift card for £18, and that’s £2 that you’ve got for nothing right there!
PS. The best deal right now is combining Top Cashback and Zeek – you can get your cashback payout as Zeek credit with a 15% bonus – so £20 cashback would actually get you £23 Zeek credit, and then you could use that credit to get a gift card worth more say £25, for example, and you’ve got £5 more to spend at your chosen retailer!
Do you ever stop and think about where the little penny amounts go when you buy something that’s not a round pound value? Those copper coins in the bottom of your handbag all add up. If you bank with Lloyds, as I do, you have an option called ‘Save the Pennies’, where each transaction you make gets rounded up to the next £ figure, and the pennies get automatically transferred into a savings account, and it’ll surprise you how the numbers tick up and you won’t notice!
You can also do this with your copper coins – as a family we have a mug that small change goes into, and every few months we empty out the coins, divvy up equal shares and go on a day trip to Swanage where we spend it in the penny arcade. Sure, we spend it, but we get a day out and have some fun doing it!
Shop for rewards
Call me crazy, but I rarely shop in places where I don’t get something back. My purse is stuff with loyalty cards and rewards cards and boy do I use them – Tesco Clubcard when I fill up with petrol, Nectar card on the food shop, and I have almost £20 worth of points on my Boots card. I mean, if you’re gonna be buying anyway, you might as well earn something that will get you something back later on!
Do you have any tricks for stretching your cash?