As much as I’d like Miss Money Guru to be your one-stop shop for all things cash, there are lots of other money blogs that I love to read and that you will enjoy, too – so without further ado, here are my favourite money bloggers.
Here we have another of my frugal recipes. This yummy, healthy dish can be eaten for breakfast, lunch, or dinner! It’s also super versatile and fun to experiment with. Plus, it’s only £3 per serving – that’s less than a takeaway or a Starbucks coffee.
400g chopped tomatoes (35p) ½ a 125g ball of mozzarella, roughly torn (46p) 4 medium Free Range eggs (75p) 3 slices of ciabatta or sourdough (89p) 2 tsp extra virgin olive oil (£1.99) 1 large garlic clove, finely chopped or crushed (45p) 1 tsp fennel seeds (84p) 1 large basil sprig (49p) ¼ tsp chilli flakes (99p) Handful of spinach leaves (80p) Pinch of caster sugar (99p) Oregano, salt and pepper
Teaspoon Wooden spoon Knife Ovenproof frying pan Spatula
Preheat the oven to 180C/gas mark 4. Heat the oil in an ovenproof frying pan over a medium heat and fry the garlic for 1-2 minutes. Add the fennel seeds and chilli flakes and fry for 1 minute before stirring in the tomatoes. Stir in the shallot, then tear as many basil leaves as you like and add them to the pan with a pinch of caster sugar and a little pepper. Simmer for 5 minutes.
Stir the torn mozzarella and spinach through the sauce, then with a spoon make 4 wells and crack an egg into each. Transfer to the oven for 10 minutes.
Meanwhile, place 4 slices of ciabatta or sourdough on a tray and drizzle with extra virgin olive oil. Season generously with salt, pepper and oregano and warm in the oven for 5 minutes.
Set aside the baked eggs off the heat. Scatter with black pepper and extra basil leaves and serve on top of warm seasoned bread.
Add halved olives for extra flavour and stay tuned for more frugal recipes!
Okay, this is going to be a weird post, but bear with me. There are ways to make money on eBay that don’t just rely on garden furniture, clothes in good condition, or unopened video games. There are people out there that will buy what you and I think is rubbish; let me tell you about weird eBay auctions that could make you money.
And I mean used. Dirty, smelly, broken – you name it, someone will want them. If you don’t mind what happens to the shoes after you’ve sold them (after all, the buyer probably has a serious fetish) then get listing. Some people have sold beaten up shoes for hundreds of pounds, so why not give it a go? Just make sure you take all necessary precautions to stay safe.
Random, useless items
If you list a single paperclip, a piece of paper, or an empty crisp packet – some people actually buy these things, and for weird amounts of money. The same goes for toilet paper tubes, empty makeup containers, and egg boxes. Don’t ask me why as I have no idea. Maybe it’s the novelty?
Your own paintings
And you don’t even have to be a professional artist! A trend on TikTok showed that you can paint anything – to any ability – and list it for any price (£100 is a good place to start). Quite a lot of them get up to the thousands – and some of these paintings are pretty bad! Why not give it a go? Even if they don’t sell, it’s still fun.
So there you have it: weird eBay auctions that could make you money.
There are so many books about making money that it’s hard to know which to start with, and that’s often where people give up. But you just have to keep going – pick one up and read it. After all, education is power, so I’ve compiled a list of the top 5 books about making money. These are all AMAZING. Thank me later.
Spare Change by Iona Bain
Spare Change shows that anyone can have a more fulfilling approach to money regardless of personality, background or income. This inspirational yet down-to-earth book helps readers to take control and get the most out of their finances, from practical advice on how to save and tips on how to make your money go further, to dealing with socialising on a budget. Iona Bain helps readers work out their own personal relationship with money, then helps them formulate an action plan tailored to their own personal needs. This is the perfect handbook for the compulsive spender, budget-phobe, or just anyone who wants to improve their finances. It’s never too late to clean up your bank account.
The Financial Diet by Chelsea Fagan
The Financial Diet is the personal finance book for people who don’t care about personal finance. Whether you’re in need of an overspending detox, buried under student debt, or just trying to figure out how to live on an entry-level salary, The Financial Diet gives you tools to make a budget, understand investments, and deal with your credit. Chelsea Fagan has tapped a range of experts to help you make the best choices for you, but she also knows that being smarter with money isn’t just about what you put in the bank. It’s about everything – from the clothes you put in your closet, to your financial relationship habits, to the food you put in your kitchen (instead of ordering in again). So The Financial Diet gives you the tools to negotiate a raise and the perfect cocktail recipe to celebrate your new salary.
The Financial Diet will teach you:
how to get good with money in a year.
the ingredients everyone needs to have a budget-friendly kitchen.
how to talk about awkward money stuff with your friends.
the best way to make (and stick to!) a budget.
how to take care of your house like a grown-up.
what the hell it means to invest (and how you can do it).
The Meaningful Money Handbook by Pete Matthew
In The Meaningful Money Handbook, personal finance expert and podcaster Pete Matthew guides you through everything you need to know and everything you need to do to build a secure financial future for yourself and your family. You will learn:
How to get out of debt as quickly as possible.
Techniques for good financial control, so you can avoid getting into debt again.
The importance of insurance for laying down a foundation on which to build a solid financial plan, which isn’t washed away by an unexpected disaster.
How to save and invest simply and efficiently so that you can work your way towards future financial freedom.
The Meaningful Money Handbook is a practical guide to succeeding with money by cutting out the stuff you don’t need to know, and clarifying the essential things you need to do, to make a real difference to your life. Don’t put it off any longer – pick up this book and start to take a meaningful approach to your money.
The Millionaire Next Door by Thomas J. Stanley
The Millionaire Next Door identifies seven common traits that show up again and again among those who have accumulated wealth. Most of the truly wealthy don’t live in Beverly Hills or Chelsea – they live next door. This new edition, the first since 1998, includes a new foreword for the twenty-first century by Dr. Thomas J. Stanley.
Your Money or Your Life by Vicki Robin
In an age of great economic uncertainty when everyone is concerned about money and how they spend what they have, this new edition of the bestselling Your Money or Your Life is an essential read. With updated resources, an easy-to-use index, and anecdotes and examples particularly relevant today, it tells you how to:
get out of debt and develop savings
reorder material priorities and live well for less
resolve inner conflicts between values and lifestyle
save the planet while saving money
and much more
In Your Money or Your Life, Vicki Robin shows readers how to gain control of their money and finally begin to make a life, rather than just make a living.
I would say most of us have worked in retail at some point during our lives. Working in a supermarket is a great place to start and has lots of transferable skills. But which supermarket pays its workers the best? Don’t waste time applying for a job that won’t pay you a wage you can live on; check below to see how much Britain’s supermarkets pay their workers.
According to Glassdoor, Tesco employees receive a base pay of £9 per hour along with a 10% discount. They also get a decent yearly bonus that fluctuates with levels of trade.
Base pay for a Sainsbury’s employee is £9.20 per hour, with opportunity for higher pay if trained in other departments. Plus, their yearly bonus tends to be more (based on 2020) and discount is a much nicer 15%.
Waitrose & Partners
Waitrose pays employees an average of £8.66 p/h, but with discount of 20% at W&P and 25% at John Lewis. Like most supermarkets, they get a bonus that depends on profit, and there’s opportunity for higher pay depending on performance.
Aldi pays an average of £9.54 p/h, but according to employees, the pace demanded of them isn’t always worth it. With goals such as scanning a minimum of 1,000 items in an hour, Aldi doesn’t offer a discount or bonus.
Lidl pays an average of £9 per hour to its employees. There’s also a 10% bonus that works out pretty well due to Lidl’s cheap products.
Marks and Spencer
M&S workers receive on average £8.63 per hour, but this can go up to £11.34 depending on experience. Employees also get 20% off, much like Waitrose & Partners.
Perhaps surprisingly, base pay for an Asda employee is said to be £9.18 per hour, with a 20% staff discount.
Hourly pay differs across the country and is believed to be correct at the time of publication. Figures used in this article are based on day shifts only.
These frugal sweet treats are the perfect solution to boredom on a rainy day. They’re quick and easy to make, and it only costs 11p per cup! This low-cost recipe makes 48 mini chocolate peanut butter cups, so there’s plenty to go around for your friends, family, and neighbours. (Who am I kidding? They were all for me.) Continue reading for the deliciously frugal recipe.
250g/1 ½ cups milk chocolate (65p)
200g/1 cup smooth peanut butter (85p)
200g/1 ¾ cups icing sugar (69p)
50g/4 tablespoons unsalted butter (£1.49)
50g/1 ¼ cup light muscovado sugar (£1.62)
Small heatproof bowl
48 petit-four cases
Using your hands, mix the muscovado sugar, icing sugar, butter and peanut butter in a large bowl until it feels like a paste.
Break the chocolate into pieces and melt in a heatproof bowl over a pan of simmering water. Stir and allow to stand for a minute, then place 48 petit-four cases on a baking tray and spoon in just enough chocolate to cover the bottom of each one.
With your hands, make small balls with the peanut butter mixture and place them gently into the cases, pressing down on the mixture just a little to form the middle layer of the cup.
Use a teaspoon to cover the peanut butter with enough chocolate that the top is flat. Here’s a tip: if you find tiny lumps or air bubbles in the top layer of chocolate, try gently moving the petit-four case in a circular motion. This movement should make the chocolate nice and smooth.
Decorate your peanut butter cups however you like! You could use silver balls, sprinkles, gold stars, edible glitter, or even miniature fondant decorations. If you don’t have any decorations, that’s okay, too – they’re just as tasty when they’re plain.
Finally, put your frugal treats in the fridge and allow the cups to set for half an hour.
Here’s a list of my favourite money-saving apps that do the penny pinching for you. Save without even realising you’re saving. Nice, huh?
Chip is an automatic save bot that monitors your spending. It calculates your income and outgoings and calculates how much you can afford to save every few days. After that, it puts the money away without you having to do a thing, and when you’re ready, you can withdraw it all as a lump sum into your bank account. No minimum withdrawal limit.
You can save money into separate ‘pots’ which is handy to keep an eye on your savings. Plus, they offer real-time notifications and the ability to freeze your card at any time. If you want, you can also round up the cost of each purchase you make, with the difference put aside in your savings.
With CheckoutSmart, all you do is claim cashback on what you buy. Take a photo of your receipt, submit it on the app, and boom – cashback via BACs or PayPal in no time.
One thing I always make sure to do is use Google to find a voucher code before I make an online purchase. It can be time consuming though, when all you want to do is click ‘pay’. Vouchercloud is a simple app that collates the best deals and vouchers for you, so you don’t have to put in too much effort.
Save money on meals with Big Oven. The ‘leftovers’ function lets you input whichever ingredients you have around the house, and tells you what you can do with them. No food waste, no money waste either.
Let me know how you get on with these money saving apps!
They generally pay £1 for every five minutes spent working on their surveys, which means most of the surveys pay out £2-4. When you pay out, you’ll get £50 via cheque or BACs, and they’re extremely reliable. You won’t always qualify for each survey but it’s still worth a try.
Prolific specialises in academic surveys from universities, and pay varies from 10p to £10 per survey. The surveys are different from those found on other sites due to their academic themes, so you’re always guaranteed to get something interesting. With Prolific, you will always qualify for every survey, and you can pay out at just £5.
OnePoll specialises in mini surveys that don’t take long to complete, ranging in payment from 10p-30p per survey. Due to the length of the surveys, cash builds up quickly and you can pay out once you get to £40.
This site doesn’t have surveys as often as the rest, but each survey pays around £1, and even if you don’t qualify they’ll give you 10p. You only have to build up £10 before you can withdraw, and the surveys are usually about supermarket shopping.
Survey payments varies from 10p upwards, and there are surveys most days about all sorts of topics, including special studies, some of which can pay £100. Pay out is at £20 and it doesn’t take too long to get there.
Pinecone Research is almost a secret. To become a member, you have to see the banner ad, which could be on a variety of websites, and you have to join there and then. Surveys aren’t frequent, but each pays £3 and they tend to be about new product concepts. You can cash out through PayPal or exchange for vouchers and other goods, but you must do the surveys or you’ll be kicked out. It’s a great string to add to your bow if you can find it!
Some people say there’s no such thing as a free lunch, but there absolutely is. I’ve made (and saved) so much money using the apps below, and always for little effort on my part. So without further ado, here are the best free apps for making and saving money.
Make Money: Shopmium
Shopmium is an app primarily for getting free or discounted food and drink. It displays a list of offers and lets you know which at which local supermarkets you can redeem them. A lot of the stuff on there is completely free – all you have to do is buy it, upload your receipt, and you’ll get the money back – sometimes on the same day. They also offer discounted items, for which you follow the same process. So far, I’ve had £40 worth of food and drink, and discovered some new favourites at the same time.
Save Money: Airtime Rewards
Along with Shopmium, Airtime Rewards is my favourite. It’s completely passive income. All you do is spend in shops like you normally would, and if you shop at a participating retailer, you get a percentage of the money back which can be redeemed against your phone bill. How great is that? I’ve had two months’ worth of phone bills 100% paid by Airtime Rewards, all because I did my normal grocery shopping. Just link your card and you’re away.
With Swagbucks, all you have to do is take surveys or complete other paid tasks, such as watching adverts or completing cash back offers.
Make Money: Receipt Hog
Receipt Hog pays you to take photos of your receipts, and in return you’re given ‘coins’ which can be redeemed against vouchers. Turn everyday shopping into cash with the click of a button… or the tap of a screen.
Making and saving money has never been simpler with these free apps. Have I missed any? Let me know!
With many workers furloughed or struck off altogether during lockdown, making money has never been more important. That said, it’s also never been more important to stay home, so how exactly can you continue making money during lockdown? Don’t worry – I have 5 easy ways to make money from your sofa; no face masks needed. Some of them might not be for you, and that’s okay!
Write Online For Cash
If you enjoy writing, why not get it out there in front of an audience? Technology has made it easier than ever before to write professionally, so have a brainstorm and pitch to the following publications – they’ll even pay you for your trouble, and you can do it all from home.
Back2college: a site aimed at older students which pays £45+ per article.
Longreads: a long-form content site that pays well. They don’t specify how much they pay but other websites have stated that they pay £450-£1,200.
Make sure you read the submission guidelines of each publication so you can be sure that you’re working efficiently and not wasting your time. They only pay for accepted articles, so make ’em good!
Sell Your Unwanted Items
There’s nothing like being stuck at home to make you realise how much clutter you have. Luckily, there are plenty of websites happy to take items off your hands and give you cash in return.
Ebay is a great place to sell anything from furniture and ornaments to old clothes and shoes.
Webuybooks will buy books, CDs, DVDs, and games. Rumour has it that if you tweet them and ask for a promo code (which will add a certain amount of free money to the amount you receive) they’ll just give you one!
Music Magpie will buy phones, laptops, CDs, DVDs, games, books, and even Lego.
Cex will buy phones, laptops, game consoles, smartwatches, tech, DVDs, and games.
Add a Gig to Fiverr
Fiverr is a website where, you guessed it, nearly everything sells for a fiver. You can sell anything, from relationship advice, to SEO expertise, to proofreading, to drawing… browse the categories and see what’s out there.
Become an Online Tutor
Schools are closed so is there really a better time to become an online tutor? If you’re good at something, pass on that expertise and help others. You could tutor children, but there’s a market for adult learning, too. Try a site like Skillshare, or you could even build your own website.
Rent Out Your Driveway
This is great for people who live in a city where parking is limited. Your driveway is a premium! Try JustPark and see how much you could earn.
Privacy & Cookies Policy
Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.
Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.