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How to Earn Money Online using Cashback Sites?

get paid toWhy I love the cashback sites and you should love them to..?
I have already touched on writing about cashback sites in the few of my posts. Until I started using them I was not entirely sure how to get the most of them and was skeptical about using them but now having tested a few I am a big fan of them.

Why to use cashback sites?
Obviously to save money :-) It is a good idea to get into habit of checking cashback options before getting any item/service online. You can save around 100 GBP a year if you use them wisely.

Which cashback site is the best?
That depends and can vary on the case by case basis. I usually use GetPaidTo, Quicdo and TopCasBack.

I check all of them to see which one works better for me, sometimes I choose the site which offers me less % cashback but allows me to get any additional benefits of using that particular site.e.g GetPaidTo allows me to earn money when reviewing videos, products or completing the surveys etc. on their site. The money earned that way can be used towards any purchase tracked by this site later on :-) .

When using cashback sites you should always focus on the cheapest deal not on the cashback :-) . This is rather important for huge transactions, where the cost of making a mistake can undersize the cashback received.

How the cashback sites work?
The cashback sites ‘ear money’ from:
1. The ads placed on them
2. When getting the commission from the retailers using them for leads generated to the retailer sites (affiliations)
3. When receiving the money for the membership:
-GetPaidTo – NO FEES
-Quidco offers ‘Basic’-free and ‘Premium’-£5 membership options
-TopCashBack offers ‘Classic’-£5 ‘Plus’-£7.5 membership level – you are signed up as a ‘Plus’ member by default so may sure you downgrade the membership type within the first 30 days of using the site otherwise the higher annual fee will apply.

How to use them
1. Sign up for an account - use the sites which offer that service to you for free :-) – so all above mentioned.
2. Log in on the site and search for a retailer you are just about to use to purchase a desired product/service.
3. Check their cashback rates and proceed to the retailer site when clicking on a link which redirects you to the retailer site form the cash back site (that way your transaction will be tracked – but do not worry you can always add it manually should you spot it has not been tracked on a day of your purchase).
4. Buy the item/service on the retailer site as you would normally do.
5. Allow a few weeks for the payment to be processed, to get your cashback (it will appear in your account).
6. Withdraw the money ASAP (some accounts allow you to withdraw the money once you have reached a certain threshold, so you may need to wait for a few cashback transactions to accumulate to get paid).

How to boost your cashback earnings
You can earn on some offline transactions made in a few stores on the high street. Register simply your debit/credit card on the sites such as Quidco or TopCashBack for receiving an additional cashback in some of these shops (see the list of them on the cashback sites) . For some merchants you have to upload your receipt once you’ve purchased in store to get your cashback.

Additionally you can earn money when registering your credit card for a cashback when shopping offline you get a cashback site many banks offer them these days. Since I have 123 Santander Saving account I may be soon applying for their cashback credit card to save on shopping and petrol which each purchase made in the real world :-)

Finally you can earn a ‘free cash’ when clicking on links on the internet. Cashback websites give you a share of their ad revenue, or you sometimes get paid for generating traffic.

Lastly you can get paid for referring your friends.

I hope all the above convinced you to use the cashback sites seeing how beneficial they can be. If you need some more guidance read these super useful money saving guides.

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How to rent a holiday car cheaply in 7 minutes

I am just about to plan my holiday to Crete. As the Euro price goes down I think it could be a good idea to make my life a bit easier and rent a car for the whole duration of my stay there :-) You may get put off the process of comparing many sites before you get a nice car rental deal – that is assuming you can be bothered to compare sites and deals at all..

How do I look for deals and find a great one in no more than 7 minutes ?

1. A few years ago I used Auto-Europe to book my lovely Seat Ibiza when in Tenerife and it proved the cheapest hence I start my comparison activity when checking their offer first.

–> 1 minute later I can realise that they are not the cheapest in Crete…

But what I like about their site is the nice comparison against the most popular car rental services they offer in a given country. That way you already save time on checking these services separately:

Enterprise Car Rental Comparison

As you see the cheapest mini car is supplied here by Enterprise Rent-a-car and it costs £71. But I am sure you can get even a better deal…

2. It is high time to use lovely aggregator sites such as Travel Supermarket which in my opinion gives you the best travel deals on most occasions.

–> 1 minute later I see that the cheapest car in Crete will be provided for £52.56 by Atlas Choice.

So lets save yourself hours of clicking and checking when using Travel Supermarket to find the cheapest possible car rental deals in Crete because these guys will check for you car rental providers such as:

- Avis
- above mentioned already Auto-Europe
- Argus Car Hire
- Atlas Choice
- Budget
- Car Del Mar
- Economy Car Hire
- ebookers
- enjoy
- Herz
- Holiday Autos
- Sixt

–>check the cheapest deal car rental package, in my case it is excellent and covers :

- Unlimited Mileage
- Collision Damage Waiver (CDW) ‡
- Theft Protection (TP) ‡
- Airport Surcharge
- PLS (Premium Location Surcharge)
- 24hrs Roadside Assistance
- First Additional Driver
- Personal Accident Insurance

which really makes it an amazing deal so I am booking it.

–> 5 minutes later I can relax when knowing I got the best possible deal available online and I can spend £20-40 saved in this 7 minutes process on some amazing Greek food :-)

I will update you on the findings from my trip once I am back so sometime in May :-)

P.S. If you are flying from UK and need to leave your car at one of 18 UK airports get 20% Off Parking at 18 UK Airports for £1 with SkyParkSecure

Cheap Holiday Car Rental

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Thinking About Having a Baby? Check the Child Costs

Did you know that on average the cost of a child up to the age of 21 is £229,251, an increase of almost £2,000 on last year’s figure.

According to the report, the cost of childcare (nurseries, babysitting and after-school care) in particular has seen the most dramatic increase over the last 12 months, rising by 2.2% to reach £67,586. Use the childcare cost calculator created by LV to find out how much you are potentially going to spend on your children until they grow up.

Child Cost

The cost of education has also climbed in the last 12 months to reach an all-time high of £74,319, causing parents to think twice about whether university is a feasible option for their child.

Impact on Childcare & Education

Impact of cost on families
source: LV

Guess how much it costs to raise a child from birth to 21?
LV asked this question to a group of parents at Lollipops play café in Bournemouth.

Listen to their reaction to the latest figures, their take on how they afford childcare, and the reality of whether they have anything in place to protect their essential income that pays for these rising costs.
Get to know the key findings.

Now you know how expensive it is to bring up a child, I will give you some advice on saving on child cost in my next post, stay tuned :-)

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New Year and New Ways of Saving- Top 10 Tips in January

The new years celebration last only a few hours and then we come to the realization that yet again we are older and the prices are going up…

There are however many ways to start your new year in a way which will allow you to SAVE not to spend money. My favourite tricks this month are:

1. Transfer your current bank account to Halifax and open a reward account, once you set up 2 standing orders and will have at least £750 coming to this account each month you will get £5 reward each month :-) = £60 extra per year + £100 for your bank account transfer on the top of that.

2. Save even more money when opening a second bank account with Santander. Open the 123 Account and yet again set up at least 2 standing orders with them and will get at least £500 coming to this account not only will you get a cashback on some of the bill you are paying using this account but you will also get 3% of interest rates on your savings (once you get £3k up to £20k)- depending how much you can save on this account you will be able to save up to £600 per year, so it will be well worth the £2 fee you need to cover each month for this account (it is quite likely that this fee will be covered by your bills cashback anyway)

3. While you have opened the 123 Account in Santander maximise on the opportunity to get their 123 Credit Card, if you have 123 Account its fee will cover your credit card fee so the first year of having this card will be for free and yet again you will be able to get some more cashback on groceries, petrol and on the shopping in some of the biggest department stories.

4. Overpay your mortgage if its interest rate is any higher than the interest rate you have you current saving account – and here let me remind you that the best saving account in the UK is currently offered by Santander, as decribed in point 1:-) Listen to Martin for a great advice on that matter.

5. Get fit with HALF PRICE GYM membership :-)
freeleticsGet basic PruHealth health insurance (it will cost you round £18 per month) and then get :
- half price membership fee at Virgin Gym
- weekly free ticket to VUE or Cineworld
- Eurostar discounts (BA discounts from April 2015)
- free handcrafted drink once a week at Starbucks (from April 2015)
or get fit with freeletics – where 3 month plan will cost you only around £20

6. Save £12 on your first online shopping at Tesco - well you have to spend £60 at one go but if you buy a few botless of wine and some cosmetics or long lasting products it shouldn’t be that difficult after all. When shopping next time use – the website allows you to swap supermarkets once you are done with you initial shopping and compare where your shopping would be the cheapest :-)

7. Buying loads of cosmetics? Visit All Beauty or Fragrance Direct both offer better deals then the duty free.

9. Traveling to and from the airport in London? Some services offer great discounts e.g Stansted Express can cost you as little as £7.50 if booked a month in advance. When traveling from/to another airports you can share a cab to get a better price for your journey, simply use

10. Setting up a small business? Use 78 York Street for an affordable virtual office and Warehouse Storage Solutions Limited for quality storage solutions. If you need a genuine accountant who will think about you and not only your business go for Primus Accounting – the best accounting office I had a chance to choose. Amazing and professional service.

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