Rent your spare room

If you have a spare room that you wouldn’t mind letting out to somebody else, a student or somebody needing accommodation, possible for a few months, then you could rent it out and not pay any tax! At the moment you don’t have to pay tax on any amount of rent paid up to £7,500 a year under the Governments Rent a Room Scheme. Some people worry that this a dangerous thing to do, but it can be quite risk free. I haven’t got a lodger at the moment as I haven’t got a spare room but I have had in the past and it was great. I had somebody in house if I wanted to go away, a built in babysitter, a man around if I needed anything lifting. One of my lodgers was a joiner and put down a laminate floor for me and helped decorate the house. He also had a couple of children who came and stayed over at weekends and played with my daughter! The second lodger wasn’t so helpful but he was quiet and tidy so no problem. To qualify for the Rent a Room Scheme, you must be living in the same property as your lo…

Get it Cheaper!

Using coupons can save you £100s and they are easily available on the internet, in newspapers and magazines and in shops. The other day a friend was taking me and my daughter out for a meal, so I checked online and found a 25% off coupon that I could download on to my mobile phone, he was amazed how much money we saved on the meal.
NB, shops can turn down the coupons so I wouldn’t recommend that you don’t make a special trip to the shop just to get that one thing.
Vouchers are available for restaurants, days out, utilities, fashion and gyms as well as grocery shopping.
Some people seem to make a career out of couponing, which is called extreme couponing. They spend hours searching for coupons and using them as effectively as possible, leading to getting their shopping for a fraction of the price.
You don’t have to go to these lengths; even casually using a few coupons you happen to have on you can save you a few quid. You could put in a little more effort and save on things you need buy t…

Speak English? Teach English!

One of my favourite ways of making a little extra money (no, you won’t make fortune doing this!) is teaching English to Chinese children online. The majority of the children are great, really keen to learn and able to concentrate very well and happy to chat. The parents are supportive and often sit and help the children whilst you are teaching them.
The downside is that they have different standards in China! I have heard of children taking the tutor to the toilet with them and children being hit whilst the teacher can see. However, I have only once had a parent threaten a small child with whip but he didn’t actually hit the child or mention the whip again. The other problem is that the parents expect too much of very young children, often as young as 4 and expect them to sit and concentrate for 25 minutes.
What you do is sign up with a third-party company, who will book the lessons for you in the hours you have contracted to work and pay you. Many of the companies will provide a virt…

Make up for Less!

Us ladies love make-up, we love to browse the new ranges, buy some to try, spend hours putting it on, trying new styles, talking about it with friends. But we can have as much fun saving money and finding bargains.
1.Find what you have got
Have a good rummage through your drawers and handbag and see what you have forgotten about, haven’t finished or haven’t got round to using yet.
2.Buy Less Expensive Brands
You don’t need to buy that salon brand shampoo or make up from a department store, or expensive brand products, you’ll be surprised that cheaper brands can be just as good. Try downgrading one product at a time to see for yourself that cheaper brands can be perfectly good.
3.Buy more!
If you buy larger sizes of toiletries or buying in bulk you can save money. Careful though, check price per unit as sometimes shops will play on the fact that people assume that bigger sizes will be cheaper!
4.Grab a Freebie
Watch out for free samples, you can join websites that will tell you when free sampl…

Write On!

Hi All
Many apologies for not posting recently but I have been really busy. Easter Holidays and catching up with things after that! My daughter said she was having difficulty hearing at school so I took her to the doctors and we ended up with a number of appointments at the hospital and when we went there we ended up with more appointments, which haven’t finished yet!
I have been trying to earn some money by writing SEO content but that didn’t work out well! I used people per hour but neither of the clients I got worked out. One was removed from the website and so I didn’t send them any work and the other wanted to work through Skype and I wrote some articles for them but never got paid!
So instead of wasting the articles I put them on Vocal so they couldn’t use them either. Unfortunately one of the articles was already used and had be copywrited so I couldn’t use put it on. I have a number of articles on Vocal already and ha…

Saving on Energy Costs

Here are a few tips on how to use less energy and save the planet as well as money!
1.Just by turning your thermostat down by 1⁰C, which you really won’t notice, can reduce your heating costs by about £75 a year.
2.Wear more clothes! Just wear slippers, extra socks and a jumper at home and add an extra blanket at night and you won’t need to turn the heating back up.
3.If you have a power shower, you should turn the pressure down as they can use more water than a bath.
4.Use your oven to warm up. When you’ve finished cooking, leave the oven door open to warm the kitchen. It might even let you turn your thermostat down even further and much better than using an extractor fan to throw that heat out!
5.Keep your fridge and freezer full so they use less energy.
6.Use your washing machine on a lower temperature; it’s better for your clothes as well as your energy bills!
7.If you are still using a tumble drier, take the clothes out before they are totally dry to cut energy and make ironing quicker …


As good MoneySensers, we always collect our points at the supermarket and petrol station when we shop, can you believe that other people don’t? They leave their receipts in trolleys, bins, at self-service checkouts and on the floor and they haven’t collected the points! Leaving them for us (slightly naughty) MoneySensers to use their points.
The receipts don’t just list the items bought but can include vouchers for petrol and money off coupons and above all the number of points you could have earned on that shop. So like The Wombles of Wimbledon Common, we pick up the receipts and benefit from them.
With Tesco Clubcard, you get 1 point for every pound you spend at Tesco’s the points can add up and you get money off vouchers in the post but you can also use your points towards days out. Somebody’s big shop can save you quite a bit on your shopping if they don’t want to.
Nectar card points from Sainsbury’s also give you 1 point for every £1 which you can use at over 500 shops including A…