Friday, August 12, 2016

Saving Money on Everyday Items

There are so many ways to save money, but it is not always easy to see how you can make savings in your own life. It can therefore be good to look towards others and see what they do to save money that you can learn from,

For example, my neighbour picked up a piano stool recently which was second hand. It was very cheap and he repaired it and reupholstered it. Although we do not all have carpentry and upholstery skills, it is still worth thinking about where you may be able to pick up things cheaply, There are many things available second hand these days and they could be better quality than items that are available new. Therefore it is worth thinking hard about whether you should automatically buy things new or look to see whether you can find some cheaper second hand items first.

Monday, August 01, 2016

July Earnings

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Writing - £389.90

Article Writing - £378.28
Sponsored Blog Article - £3.50
dp article sales - £8.12

Book Sales - £37.39

Smashwords - £32.14
Amazon - £5.25

Other - £23.99

Hiving Panel - £4.00
Waterproof Memo Board Sale - 19.99

Making a Grand Total of £451.28

Wednesday, July 20, 2016

Referral Competition

There is a referral competition on The Street Lottery at the moment and it is well worth taking part. If you are already a member of the site then do your best to get referrals and you will have extra referrals allocated to you on top. This means that if your referrals wins a draw you will be able to get a percentage of their winnings. If you get a place in the top ten referrals leader board you will be allocated even more referrals and have even more chances to win. I have won on this site recently and so I can say for sure that it is genuine and they do pay out and it is really easy. Just sign up and check the site every day to see if you have won.

Wednesday, July 06, 2016

Mortgage Nearly Paid Off!!

It is exciting times for me at the moment! I am so close to paying off the mortgage. Due to interest rates beings o low for so long, me finding a really good mortgage deal and us as a family not overspending and putting all the money that we can aside for it, we are now just £561.46 short of paying off the mortgage. It is unbelievably exciting to think that we could potentially soon own the house as long as we don't spend money on anything too expensive such as something form the bb clarinet range before we have it all saved up.

Once we have accumulated the money, we then have a dilemma. We currently have the money in premium bonds, which give us various amounts of return each month. Last month we got just £25 but this month we got £150. Each month while the mortgage is outstanding we are charged £81.50 in interest and we also pay £11.50 in life insurance and if we pay off the mortgage those charges will go. This means that we need to be getting a monthly return of more than £93 a month, on average, on the money in premium bonds to make it worth not paying the mortgage off. If interest rates go down, which it seems that they may, then what we pay in interest will fall, but the premium bond prize fund may also fall due to the economy not doing so well. It is a difficult decision to make.

However, we have decided that we will certainly wait until we have a savings buffer before paying the mortgage off. We feel that we should make sure that we have at least enough money for three months worth of expenses in case of redundancy or needing emergency purchases such as white goods breaking down or car or house repairs being needed. After that we will have to do some serious maths, risk assessments and calculations to decide when we pay it off.

Tuesday, July 05, 2016

I Won The Street Lottery!

I have exciting news this morning, I logged onto The Street Lottery as usual, expecting not to win but had a gold claim button. I know that I should have taken a screen shot, but I was so excited I clicked it and now cannot see it again!

I received my Paypal payment this evening. It may only be $5 but it is all for free and I get a little buzz from getting some free money!

What makes this site stand out from the others is that every day that you visit the site increases your chances of winning. However, they are having trouble with advertisers at the moment so are generating no income so it could be likely they may have to close, therefore it is worth signing up quickly to see if you can win before it is too late! Other similar sites are also struggling to raise finances so it could be worth joining those too, so that you can have the chance of some free money. I have listed the ones that I am a member of below to make joining easier.

Numberplate Lotto
Birthdate Lottery
Free Postcode Lottery
DOB Lottery
Lucky Phone Lottery

Monday, July 04, 2016

June Earnings

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Writing - £263.51

Article Writing - £260.36
Sponsored Blog Article - £3.15

Book Sales - £10.77

Amazon - £10.77

Other - £12.86

Search Lotto - £0.30
Hiving Panel - £2.56
Lucky Phone Lottery - £10.00

Making a Grand Total of £287.14

Monday, June 27, 2016

I won the Lucky Phone Lottery!

Free lotteries are quite a recent thing and some are more well-known than others. The lesser known ones give you a better chance of winning a prize as you have less people to compete against but the prizes are smaller. that is fine for me, all winnings are great.

The Lucky Phone Lottery prize that I have recently won is not actually a draw but I cashed out my points. In lucky phone lottery you gain loyalty points for matching certain amounts of numbers and I accumulated enough to cash out £10.

If you are interested in joining up then please click the links below. Please note that I have also won £5 and other prizes on the Birthdate lottery so would recommend that one if you want to be more actively involved in a site and have the opportunity to win more prizes.

Numberplate Lotto
The Street Lottery
Birthdate Lottery
Free Postcode Lottery
DOB Lottery