I don't know about you but so far 2018 feels a bit... pinched. December payday was forever ago, all my January bills are paid, and I feel like my next payslip is so far out of reach it might as well be in Bermuda.
The start of a new year is cause for celebration, but between the back-to-work blues, the post-Christmas comedown and being a bit broke, I must admit I'm not feeling much like partying. But instead of wallowing, I've decided to grab this cold and boring month by the proverbials, and be proactive. As well as finding some ways to take control of my banking, I've also managed to make a few extra ££s, without spending any money to get it. So, if you want to get your hands on some extra cash to see you through the rest of January, here's what worked for me.
Full disclosure, I will make some money if you use my referral links. Obviously. But so will you, so it all works out! I am not sponsored by any of these companies, and all opinions are my own.
Cleo is an AI that you chat to via Facebook messenger. By connecting it to your bank account (with bank-level encryption, don't worry) you can chat to Cleo about budgeting, balances and how much you can afford to save. I used to get teary-eyed and breathe funny at the mere thought of checking my balance at an ATM or online, and my bank statements were shredded unopened, but Cleo has quite genuinely taken the fear out of my finances. The AI is conversational and friendly, and somehow asking a cheerful robot about how your banking is going via Facebook is so much less stressful than an actual bank.
Also, Cleo has an unlimited referral scheme, which means for anyone joining up via your referral link, you both get £5. If you want to sign up, I'd love for you to use my referral link, because I could do with the dollar: Get your free £5!
The lovely Laura turned me onto this app, which helps you send money safely and securely to your phone contacts. It's easy to use, and has its own referral scheme, where again you can make £5 for each friend you refer, and your friend gets £5 for joining. To qualify, you'll need to send £25 to someone, but you can always arrange to send it to a friend or family member and get them to send it right back if you just want to get your free money. Since Laura was kind enough to share her referral code with me, I'd like to share hers with you too, so please use her code here, or use mine here.
If you've been given vouchers that you're never going to use, don't let them lie around idle, sell them. Just put in the details on Zeek, decide how much you're willing to sell the voucher for, and wait for someone to buy it. The money is sent right on to you as soon as someone purchases it. It's a win-win, you get some cash instead of a useless bit of plastic, and someone else gets a bit of a bargain.
Alternatively, if you're planning to shop the January sales and want to get your hands on a discounted gift card, you can use Zeek to buy them,and you bet I have another referral code. If you use my code to sign up and buy a gift card, you get £3 and I get £5, and then you can ask your friends to do the same!
Let's face it, most of us have stuff we don't need, especially so soon after Christmas. On the one hand it could be seen as bad form to sell unwanted gifts, but sometimes cold hard cash is just more useful than another jumper. eBay lets you list up to 20 items a month for free (as long as it's not in the motor or classified sections), which means you can get rid of some clutter without them taking a cut. Always make sure you calculate postage in advance so you're not caught short and start listing! I don't have a referral code for this one, unfortunately, but do let me know if you're selling any very cool boots in a 7.5...
This is a cashback site that offers rewards for shopping your favourite brands, as well as letting you know which shops currently have sales or offers. Each time you shop you get cashback which you can withdraw as Amazon vouchers, and given that you can buy practically anything on Amazon these days, that's bound to come in handy! They also have a flexible referral scheme where users can pick how a £10 referral bonus is split between themselves and their friend. To qualify you do need to make a purchase via Quidco, but with so many places having epic sales right now this shouldn't be too challenging! Here's my referral code, which gives us both £5!
Slice the Pie
If you're reading this, chances are you're a blogger, and that means you've probably written a review or two in your time. Well, Slice the Pie lets you give opinions for money! By reviewing products that aren't on the market yet, you can earn a few pennies, and withdraw the balance into your PayPal account. You don't earn masses from each review, but it's low-effort. If you're bored of an evening you could whack out a few reviews and over time it'll add up to a decent bit of cash. Again, I have a referral code here. Unfortunately this one doesn't get you anything, but if you sign up you can refer your own friends and then you get a penny for every $0.10 they earn. If you refer lots of friends and they're active, this could be a nice little earner. Well... hopefully!
So those are just some apps and services I'm currently using to make this month slightly less painful! Please do let me know if you need any help getting started on any of them and I'll help if I can, and add any other sites you use in the comments! Happy clicking!