Christmas

Christmas

Diary

I have continued to snap all of my receipts over the festive period and it seems like the apps will pay small amounts slowly. I have not completed any matched betting over the last period too, so I need to ramp this up a little. Also I am desperate to get into my trading but I just feel like I never have any time at home. Maybe I need to go into the office for some peace and quiet.

I have a couple of work trips in January so this will keep my Quidco balance up. Hopefully some of the retailers will start paying out so I can withdraw the balance.

Ebay funds finally were cleared, which was £11.43, therefore making a profit of £4.73 on the coins and not the £7.73 as I stated in the last diary...must have been having a bad maths day.

Quidco paid £7.90 for some various work trips.

Matched betting

None

Tuck shop
None

Money Saved

None

Savings Account
None

Cashback
£7.90

Shoppix App
None

Panelbase

None

Ebay

£4.73

Totals this post
Matched Betting £0
Cashback website £7.90
Savings account £0
Money saved £0
PanelBase £0 (total added to money saved)
Apps £0

Ebay £4.73
Total £12.63

Mortgage over payments
Total mortgage £132,027.40 (before Diary over payment)
Over payment this Diary: £12.63
Total over payments £487.89

Overpayments allowed on mortgage upto 31st Dec 2019
sub account 1 - £12,415.31
sub account 2 - £1,140 (£652.11 left)

Updated totals are as follows

Source	Total
Matched Betting	266.39
Cashback websites	443.98
Tuck Shop	0
Savings account interest	173.37
Money saved	1000.31

Apps                                    20

Ebay                                    18.69

Total                                    £1922.74

Christmas is coming

Small amounts

Diary

I started reading a blog about a guy who uses apps to make an additional income each month by religiously using apps to get paid for scanning receipts. So i've downloaded Receipt Hog, Zip Zero, Huyu and snap my eats. In have started using them as much as I can so I will see how I go. On the blog the guy used other apps and websites which I forgot to note down and I shut the web page on my phone by accident. Did anyone also read the blog recently? if so can you point me in the right direction of the blog?

Still a few work trips are keeping the average £200 in the Quidco account.

The survey panel is going well, and I managed to reach another £10.55 so I withdrew it.

Bank account paid £7.86 after paying cashback and interest.

Quidco paid £29.47 for various work trips

Shopix reached  the withdrawal amount of £20

Sold some gaming headphones that I got free with my laptop, they have been in the loft gathering dust so I thought I would stick them on ebay with a starting price of zero pence, they sold for £13.96 after fees and postage which was nice.

I have also gathered up some 50p coins with different patterns and types mainly the beatrix potter coins, which to be fair did attract a little bit of interest. I sold £6.70 of coins for £14.43 making a little profit of £7.73. The coins came from the tuck shop change that I have been collecting so that will need to be returned to the tuckshop total.

Matched betting

None

Tuck shop
None

Money Saved

None

Savings Account
£7.86

Cashback
£29.47

Shoppix App
£20

Panelbase

£10.55

Ebay

£13.96

Totals this post
Matched Betting £0
Cashback website £29.47
Savings account £7.86
Money saved £0
PanelBase £10.55 (total added to money saved)
Apps £20

Ebay £13.96
Total £81.84

Mortgage over payments
Total mortgage £132,109.39 (before Diary over payment)
Over payment this Diary: £81.84
Total over payments £475.26

Overpayments allowed on mortgage upto 31st Dec 2019
sub account 1 - £12,415.31
sub account 2 - £1,140 (£664.74 left)

Updated totals are as follows

Source	Total
Matched Betting	266.39
Cashback websites	436.08
Tuck Shop	0
Savings account interest	173.37
Money saved	1000.31

Apps                                    20

Ebay                                    13.96

Total                                    £1910.11

Terrible month

Diary

Ive let myself down this past few weeks, I started off by signing up to some new accounts matched betting but struggled finding any decent matches and the results ended up very poor.

There has been alot more travelling for work again so the cashback is beginning to add up still, currently I have £207 cashback tracked.

The survey panel is going well, I seem to get inundated with emails saying new surveys are available but alot of surveys never work out as I get screened out. However even though the surveys take ages to complete I do seem to get through them.

I still need more ways to up the additional cash, my current account pays a shocking interest rate and I have some savings so I should change saving accounts to max the interest rate

I am still reviewing investing my saved cash into a stocks and share ISA, I think over the long term this will give me a good return. However to do this I need to change to a different current account as Santander charge £5 a month and without my savings in the same account it does not seem worth it. I need to review this further before making a decision.

Matched betting this diary sees the following
Bet UK £2.94 return on a free bet.
Betstars £3.47
Betstars free spins if bet on England £0.99
New account Royal Panda £12.84 this site has really poor matches and was difficult to find anything close to Betfair.

Claimed a delay on rail tickets from virgin, a cheque came for half the ticket amount £12.50

Bank account paid £8.70 after paying cashback and interest.

Quidco paid £19.83 for various work trips

Panelbase survey site reached over £10 so I withdrew £11.30

Matched betting

Total £20.24

Tuck shop
None

Money Saved

None

Savings Account
£8.70

Cashback
Quido paid £19.83 from various work trips again, with still £191.02 showing as tracked

Shoppix App
Tokens 11070 , I am heading towards the £20 voucher which is now only 430 tokens away. (about 17 recipts)

Totals this post
Matched Betting £20.24
Cashback website £19.83
Savings account £8.70
Money saved £0
PanelBase £11.30 (total added to money saved)
Train refund £12.50 (total added to money saved)

Total £72.57

Mortgage over payments
Total mortgage £132,435.92 (before Diary over payment)
Over payment this Diary: £72.57
Total over payments £393.42

Overpayments allowed on mortgage upto 31st Dec 2019
sub account 1 - £12,415.31
sub account 2 - £1,140 (£746.58 left)

Updated totals are as follows

Source	Total
Matched Betting	266.39
Cashback websites	406.61
Tuck Shop	0
Savings account interest	165.51
Money saved	989.76
Total	£1828.27

Heading towards the end of the year

Diary

Having slowly got back into matched betting I now need to find additional ways of gaining some extra pounds. I really need to get back into trading so hopefully I can start to find the time at the weekend to start looking at the markets and having a practice on training mode on the trading software I bought a long time ago.

More Travelling to Southampton next week so all travel has been booked using Quidco, It seems as if I always have £200 in tracked activity. This all comes from work travel, I also do not book return tickets back from London Euston, I buy a single ticket through Quidco and pick them up from the station to gain the extra cashback. This usually adds an extra £7 ish onto the days total.

I have signed up to a survey panel website yesterday following reading the forums on moneysavingexpert.com so hopefully an additional income comes from this and combine with Shoppix it should add a few extra pounds.

I still need more ways to up the additional cash, my current account pays a shocking interest rate and I have some savings so I should change saving accounts to max the interest rate

I also need to review the saving accounts and potential invest the money into a stocks and shares ISA or even into some shares. I am hoping I can find some advice and information online for this.

Continuing this week with the match betting I signed up a new account with Expekt last weekend and then on wednesday I received an email saying they were closing all UK accounts as of the 31/10/19. No pressure then! I found a close match for the free bet on the Arsenal game in the Euopa League and cashed out for £7.50 profit overall.

There are still a fair few bookies still to work through and I have found a list of bookies that offer weekly free bets, I need to start working through these to gain some extra pounds.

Matched betting

Bet UK Bet £10 get £10 SNR          £7.84
Bet UK sign up free casino spins     £1.15
BetVison Bet £10 get £5 SNR         £3.39
Expekt Bet £30 get £10 SNR          £7.50

Tuck shop
None

Money Saved

None

Savings Account
None

Cashback
Quido paid £10.33 from various work trips again, with still £191.02 showing as tracked

Shoppix App
Tokens 8890 , I am heading towards the £20 voucher which is still 2610 tokens away.

Totals this post
Matched Betting £19.88
Cashback website £10.33
Savings account £0
Money saved £0
Total £30.21

Mortgage over payments
Total mortgage £132,729.76 (before Diary over payment)
Over payment this Diary: £30.21
Total over payments £320.85

Overpayments allowed on mortgage upto 31st Dec
sub account 1 - £12,415.31
sub account 2 - £1,140 (£819.15 left)

Updated totals are as follows

Source	Total
Matched Betting	246.15
Cashback websites	386.78
Tuck Shop	0
Savings account interest	156.81
Money saved	965.96
Total	£1755.70

Quick update

Diary

No sooner had I posted my last entry, quidco paid some additional cashback that could have added to my overpayment to the mortgage and save some additional interest.

This is just a quick update as I am off to Southampton with work again, all booked through Quidco which will keep the cashback stream coming.

Matched betting

None

Tuck shop
None

Money Saved

None

Savings Account
None

Cashback
Quido paid £20.54 from various work trips again, with still £175.68 showing as tracked

Shoppix App
Tokens 8640 , I am heading towards the £20 voucher which is still 2860 tokens away.

Totals this post
Matched Betting £0
Cashback website £20.54
Savings account £0
Money saved £0
Total £20.54

Mortgage over payments
Total mortgage £132,750.33 (before Diary over payment)
Over payment this Diary: £20.54
Total over payments £290.64

Updated totals are as follows

Source	Total
Matched Betting	226.27
Cashback websites	376.45
Tuck Shop	0
Savings account interest	156.81
Money saved	965.96
Total	£1725.49

Steady amounts

Diary

I'm really getting into the matched betting again and I have found once I have been logging into the bookie accounts I have been receiving free bets via email. 

I have submitted our ATOL claim for our Tomas Cook holiday, hopefully this gets resolved quickly and the money gets returned sooner rather than later. The cost of holidays has certainly rocketed which is a shame so we will have to hold off booking anything until the prices come down or we save up more money. I think it will be more of a case that we look for a cheaper holiday.

Work trips are also keeping the cashback flowing, I seem to have a constant £200 as pending cashback. Hopefully this continues as it is a steady stream of payments into the fund.

Finding it difficult to use shoppix with a broken camera, I have to use my tablet to take the pictures of the receipts, it generally means I forget to do them on that day so I loose tokens. 

If anyone has any further ideas on making additional money then please drop me a line. I am thinking about stoozing with credit cards if anyone has any advice on where to start from me a reply I would love to chat.

Matched betting

New account opened with Moplay which returned £22.67
New account opened with BetRegal which returned £7.53

Tuck shop

The tuck shop is turning profits over, the problem is everyone pays in change and I have to change it somehow. I have started to swap the change for Notes to use when paying for Taxi's for work as Taxi drivers generally like change. It still leave lots of 5p's etc to work out what to do with them. I think I will count them out into multiples of £5 and use them on the self service tills at the supermarkets when buying stock. 

Money Saved

There has been no money saved as all money that is saved will be going towards the holiday.

Savings Account
The interest and cashback from this month totals £7.56

Cashback
Quido paid £62.73 from various work trips, the app still shows £178.26 as tracked

Shoppix App
Tokens 8095 , I am heading towards the £20 voucher which is still 3405 tokens away.

Totals this post
Matched Betting £30.20
Cashback website £62.73
Savings account £7.56
Money saved £0
Total £100.49

Mortgage over payments
Total mortgage £132,851.02 (before Diary over payment)
Over payment this Diary: £100.49
Total over payments £270.10

Updated totals are as follows

Source	Total
Matched Betting	226.27
Cashback websites	355.91
Tuck Shop	0
Savings account interest	156.81
Money saved	965.96
Total	£1704.95

Improving

Diary

I have definitely made more of an effort this week with the matched betting, lots of existing offers and a few new accounts opened. It has been quite fun getting back into it so I will try to keep up with all offers if they keep coming.

The holiday savings yesterday have hit a low, As you may have heard Tomas Cook have gone into liquidation, even though our holiday was covered by ATOL and I will get my money back eventually, the credit card that we booked with has been closed so that we cannot spend on it as we had maxed the card out, we can only pay the balance. The amount of money that we have tied up in the holiday will just get taken off the balance on the card and we wont be able to reuse the money to put towards re booking (if that makes sense) we are now about £1300 short of the value of the holiday in which we need to re-book.

It is also scandalous that companies have put prices up for holidays knowing full well that thousands of people will be wanting to re-book holidays.

Again since the last post I am still maintaining the cashback from Quidco each month and all the work trips have started to begin to pay.

I have now manages to set up internet banking only for my Mortgage, so the money made at the end of todays diary will be paid off the mortgage. I will add a new total to the bottom of the diary to keep track of the balance.

I am also continually using shoppix, my camera on my phone is still broken which is making things difficult. 

I would still love to hear from people reading this for more ideas on how to earn extra money as every penny counts.

Matched betting

New account opened with Go Wager which returned £2.16
The Netbet free bet returned £6.28
Netbet also offered free spins in the casino and on games which I won £96.34 after rolling through the wagering requirements, plus a mug bet on the virtual sports which they offered a free bet.
The Betfair bet from last week won me £6.28
Some existing Betfred offers won me £30.15
A Betstar free bet won me £3.06
I also did the stake £10 get a £30 casino bonus at Betdaq which didn't go well as the wagering requirements was far too high. lost -£1.85

Tuck shop

The tuck shop is still pretty full, I will review the amount at the weekend as I imagine I will need to buy more stock. This will give me an opportunity to get rid of all the change as there is loads of it.

Money Saved

There has been no money saved as all money that is saved will be going towards the holiday.

Savings Account
Its not a new month yet, so no savings account or interest has been made during this post.

Cashback
Quido paid £21.13 from various work trips, with still £203.42 showing as tracked. I honestly wish I made sure I booked everything through quidco years ago. It soon adds up.

Shoppix App
Tokens 7205 , I am heading towards the £20 voucher which is still 4295 tokens away.

Totals this post
Matched Betting £148.48
Cashback website £21.13
Savings account £0
Money saved £0
Total £169.61

Mortgage over payments
Total mortgage £133,272.82 (before Diary over payment)
Over payment this Diary: £169.61

Updated totals are as follows

Source	Total
Matched Betting	196.07
Cashback websites	293.18
Tuck Shop	0
Savings account interest	149.25
Money saved	965.96
Total	£1604.46

I am really bad at doing this!!

Diary

I am getting really bad at this, having a family and job gives me little time for me.

The holiday savings are coming along nicely but its reducing the amount I can save and put towards overpaying this mortgage.

Again since the last post I am still maintaining the cashback from Quidco each month and all the work trips have started to begin to pay.

Still not made an over payment yet but this month will certainly be the first as there is a steady stream of money coming into the bank now. I need to set up an online account so that I can check I am overpaying correctly. the bank I have my mortgage account with have to set up the online account over the phone if you just have a mortgage with them. This just takes up more of my time.

I am also continually using shoppix but having dropped my phone and smashed the camera lens, taking pictures of the receipts is proving difficult as i now have to take them using my tablet.

i would still love to hear from people reading this for more ideas on how to earn extra money as every penny counts.

I have also put time aside every friday to make sure do the reload offers for match betting and do at least one new account offer. This should also get a steady stream of money coming back in.

Matched betting

New account with NetBet opened bet £30 get £15 free bet and £15 free spins in the casino and I have done the £10 refund offer on Betfair exchange hoping that my matched bet looses.

Tuck shop

The tuck shop is now looking after itself having paid back all of the money I borrowed it to get it up and running. I will wait until there is a large amount of money to change and cash in as all the money I receive is in change and means I have to find time to go to the bank.

Money Saved

I have not saved any money this month due to the kids needing new uniforms etc for school which has basically taken all of my spare cash.

Savings Account
This month was £8.07 from the cashback and interest. 

Cashback
Quido paid £182.99 from various work trips and buildings and contents insurance.

Shoppix App

Tokens 6700 which is now available for £10, however i will let it ride until 11500 tokens for £20

Totals this post
Matched Betting £0
Cashback website £182.99
Savings account £8.07
Money saved £0
Total £191.06

Updated totals are as follows

Source	Total
Matched Betting	47.59
Cashback websites	272.05
Tuck Shop	0
Savings account interest	149.25
Money saved	965.96
Total	£1434.85