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

Image courtesy of cooldesign at

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

Tuesday, June 21, 2016

I won - YAY!!!

Free Birthdate Lottery has been running a competition over the last few days and I was one of the lucky winners! The site has been struggling with hosting problems over the last few weeks and so they have lost some members and desperately need people to sign up in order to keep things going. It is a friendly and fun site with lots of things to do as well as links to competitions, blog posts on how to make money online and a free lottery of course. At the moment they are crediting each member 50p for each new referral which they will have added to any prize if they win the lottery. It is a friendly site and it would be lovely if as many people as possible could sign up and help them be the success that they deserve. Plus you could be in with a chance of winning money everyday for free!

Friday, June 17, 2016

How to Make Money from Online Surveys

I make quite a lot of money doing online surveys and I thought that it might be useful to share some of my secrets!

The main site that I earn form is YouGov. This only sends out surveys that I am qualified to do which means that I get credited for every survey, which is one of the reasons that I like them so much. They also give surveys which are politically based and the results get passe don to the UK media often, which also makes them fun. They do not pay out until you have reached £50, which seems a lot, but is worth the wait. They pay through BACS straight to your bank account but you do have to claim a payment, once you have earned enough and it takes a few weeks to arrive.

I also earn a lot on a site called Clixsense through answering surveys. These are not so much fun as they have screening questions and it can take a good few minutes to find out whether you qualify and if you do not, you will not get paid. They also sometimes give you the same ones and you cannot get credited twice. However, they do pay reliably and there are other ways to earn money on their site and with a cash out minimum of $8 it does not take too long to get money out.

Pureprofile gives surveys as well as having other ways to earn money. What I particularly like about this site is that it pays you even if you are screened out of surveys and this means that you do not feel that you are wasting your time. However, you do have to earn £25 to cash out and I do not get sent surveys that often.

Lastly Hiving Panel is another survey site that I use. They pay after you earn just $4 so you can try it out and cash out quickly. However, they do screen you out of surveys quite often and you do not get credit for these.

There are obviously advantages of being a member of lots of survey sites as you have more opportunities to earn. However, most of them, apart form YouGov get surveys form the same sources and this means that you may do a survey on one site and get screened out on another as you have already done it. This can waste time and be rather annoying. Therefore it is probably best to just choose YouGov and one other site, if you wish to earn with surveys.