Tag Archives: cashback

Tackling debts

I mentioned a few posts ago that my main aim this year is to get rid of my debts. I’ve been sitting on these debts for years, slowly plodding along and paying the minimum each month. It’s easy that way and I don’t really have to think about them. But one day I want my own house (the biggest debt I will ever have!) and to get that I have to get rid of my debts. 

At the beginning of the year I found out how much I owe in total. It was scary! Over £5000 in debts! And nothing really to show for them. 

I know people say get rid of the biggest debt first but that would mean I wouldn’t see any movement for at least six months. So I looked at the debt with the least left. £86. That’s achievable. So I set out to have it paid off by February 28th. 

To make the money I need I used TopCashBack; I enjoy shopping online but I enjoy getting cashback more! £25 of savings and eBay. I made enough money even after postage and fees to pay this first debt by 13th February. Two weeks early! I was so happy and it confirmed that I could do this. 

My next debt is due to be paid on 28th May and by then it will be £179. I have started collecting sales from eBay again and I have some more cashback I can use. As this is more money than the last one I have decided to pay it off little and often to make sure that I don’t spend the money elsewhere and stay motivated. Today I paid £10 so now it will be £169 by 28th May. Another £14 should be paid in the next few days too when it reaches my account. 

The overall plan is to reduce my debt by 50% this year without having to compromise. 

And I’m going to do it. 


Follow me on Twitter @moneysavemum

Online Shopping – How to Save Money

Online shopping is a huge business and with most of us, the ability to spend money is simply a few clicks away on the phone or pad. Most of my shopping (except groceries because I love food shopping) is done on the Internet and mainly via apps on my phone.

Here are my top tips to saving money when you shop online.

  1. Know what you are looking for? Google it and click the shopping tab. This will bring up loads of sites and prices where you can buy.
  2. Check eBay and Amazon. These don’t always show up in a search.
  3. Found the perfect site with the perfect price? Sign up to their newsletter – chances are you will receive an email with a code for money off your first order.
  4. Check cashback websites. Might as well earn some cashback on that purchase. I use TopCashBack and love it!
  5. Search for voucher/discount codes that you can use. There are loads of sites that can help you with this such as VoucherCodes and PromotionalCodes.
  6. No discount from the newsletter? Add the item to your basket and leave it there. Some sites will then email you offering an incentive to complete the purchase.
  7. Don’t forget to earn any points – check to see if they offer Nectar points on purchases. eBay does!
  8. Take advantage of free delivery. If your item isn’t urgent then take the free or cheaper shipping that takes a few days rather than the expensive next day delivery.
  9. A lot of items on eBay and Amazon are from China. Check Ali Express, the same item from the same seller may be on there at a lower price.
  10. If a site has a ‘chat now’ function, use it and see if they will offer you a discount. This often works on sites that sell electrical goods.

 

And none of these points even starts to go down the route of ‘do I actually need it?’

 

Just a few ways to save when you shop online! Let me know if you have any other ways!

Follow me on Twitter: @moneysavemum

Top tips for saving online

We all shop online. Most of mine (except groceries because I love food shopping) is done on the Internet. 

Here are my top tips to saving money when you shop online. 

  1. Know what you are looking for? Google it and click the shopping tab. This will bring up loads of sites and prices where you can buy. 
  2. Check eBay and Amazon. These don’t always show up in a search. 
  3. Found the perfect site with the perfect price? Sign up to their newsletter – chances are you will receive an email with a code for money off your first order. 
  4. Check cashback websites. Might as well earn some cashback on that purchase. I use TopCashBack and love it!
  5. Search for voucher/discount codes that you can use. There are loads of sites that can help you with this such as VoucherCodes and PromotionalCodes
  6. No discount from the newsletter? Add the item to your basket and leave it there. Some sites will then email you offering an incentive to complete the purchase. 
  7. Don’t forget to earn any points – check to see if they offer Nectar points on purchases. eBay does!
  8. Take advantage of free delivery. If your item isn’t urgent then take the free or cheaper shipping that takes a few days rather than the expensive next day delivery. 

Just a few ways to save when you shop online! Let me know how you save money online!

Follow me on Twitter: @moneysavemum

March 1st Update

It’s the start of another month so it’s time to take a look at how much I have saved for Christmas 2016 so far.

It’s actually been a quiet month for things like surveys – mainly because I have been a bit lazy! I must get back on them! Points for exercising has been good though as I have done a lot of walking.

Saved for Christmas 2016 so far:

  • £125 Love2Shop vouchers
  • £15 Morrisons vouchers
  • £80 Asda gift card
  • £20 Nectar points
  • £12 Boots Advantage points

I’m really happy with these totals especially the Love2Shop which have come from surveys, cashback and I also save via Park Christmas Savings.

love2shop-vouchers

Hopefully an update at the beginning of April will be just as good!

Follow me on Twitter: @moneysavemum

Boots No7 Free Gift Offer

I don’t wear make up very often so when I went to my mascara last week I was gutted to find it was all gone. So mascara, along with tinted moisturiser was on my list of buy when it’s worth it. 

This week Boots had an offer on their No7 range. Buy two items get a free gift. 

I ordered my tinted moisturiser and mascara online (£12 each). I have a discount card for Boots which lowered the cost to £9.30 each. Good start. I gained advantage points too (72) and of course I went through TopCashBack which gave me 47p. 

I also used the free delivery to store as I pass it most days anyway. 

So I ended up paying £18.60 for tinted moisturiser, mascara and a free No7 gift. 

 

The free gift is lovely. It contains:

Beautiful dry skin rescue 25ml

Lovely lashes mascara

Nail care strength and growth treatment 10ml

Stay perfect eye shadow in middle shade

 
Money Saving Expert estimate that this gift is worth £21. 

I’m putting it away for a gift. Not sure who for yet!

So my £24 order cost £18.60, I made 47p cashback and 72p worth of points – this makes my order £17.41 but if you take off another £21 for the free gift I’m actually up £3.59 

Win!!!

Follow me on Twitter! @moneysavemum

How to make receipts work for you

Every time we go shopping we end up with a wallet or bag full of receipts. So here are a few ways to make those receipts work for you and earn you extra money.

Simply click on the names to be taken to the site to register.

Receipt Hog

Receipt Hog is a free app to download where you simply take photos of your receipts and let the app do the rest. Receipts from places such as Asda, Boots, Poundland, Wilko, Toys R Us, earn you ‘coins’. The amount depends on the value of your receipt. You also get a sweepstakes entry.

Other stores such as Currys, Ikea, Primark, Waterstones, earn you spins on the Hog Slots where you can win more coins.

There are also extra incentives such as taking photos of receipts every week for a month for extra coins and the longer you use the app the more incentives you can earn.

You can redeem the coins for Amazon vouchers or have a deposit into your PayPal account. 1000 coins is a £3 Amazon voucher.

Use code sass6354 when you sign up for five free spins!

Shopitize

There are a few apps that will gove you cashback on purchases but I find this one is the best on as you can get 25p for buying milk and you only have to earn £4 to be able to ‘cashout’.

CheckoutSmart

This is very similar to Shopitize however you can scan any receipt to be in with a chance of winning £100. You can generally enter 20 times a month. There are also cashback offers on groceries.

TopCashBack

I also use TopCashBack not only for my online purchases but you can also get cashback on some of your groceries.

Everyone has there own preferences on which cashback sites and apps to use, I have just found these to be pretty good for me.

*This is not a paid post, all opinions are my own.