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"Apparently there's a guy on here with a bunch of pound coins all up in his foreskin, so you could ask him for a few quid " | |||
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"Don't drink bacardi and smoke" . And don't drink petrol and smoke | |||
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"You could become the local cat burglar..... I tried it once but gave up ,I was getting scratched to hell " Similar to me.. I used to be a tap dancer, gave it up as I kept falling into the sink | |||
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"You can do surveys on dedicated apps, that give you vouchers for supermarkets and things, which would then obviously count against what you’d already spend. Nationwide are doing a cash back account thing for a year, provided you pay your bills from there. Every type of insurance you have, make sure you look for cheaper deals pre renewal. Check the tax code you’re on, and call the tax office to check you’re not due a refund. Loads of vouchers for things, if you look on money saving expert, plus a lot more in terms of general tips." Thanks for that, I’ve never found a survey app/site that pays or gives vouchers for anything useful for me unfortunately. I hope your job isn’t too bad… but then again does anyone actually enjoy their job? | |||
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"8k - well first off I generally pay about £500 for a car! Some of these have lasted me years - one I had for 12 years & put £350k on the clock & toured Europe several times in it ??" Wow that’s some going, how much did the servicing cost to keep it running that long? | |||
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"You can do surveys on dedicated apps, that give you vouchers for supermarkets and things, which would then obviously count against what you’d already spend. Nationwide are doing a cash back account thing for a year, provided you pay your bills from there. Every type of insurance you have, make sure you look for cheaper deals pre renewal. Check the tax code you’re on, and call the tax office to check you’re not due a refund. Loads of vouchers for things, if you look on money saving expert, plus a lot more in terms of general tips. Thanks for that, I’ve never found a survey app/site that pays or gives vouchers for anything useful for me unfortunately. I hope your job isn’t too bad… but then again does anyone actually enjoy their job? " Well, funny you ask. According to the ‘we love our jobs’ thread, quite a few. Bag of dicks. Joke! Joke! | |||
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"Switch brands for own labels, avoid takeaways, sell stuff you don't need or use online, be disciplined. " That’s probably my biggest problem I struggle to be disciplined | |||
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"You can do surveys on dedicated apps, that give you vouchers for supermarkets and things, which would then obviously count against what you’d already spend. Nationwide are doing a cash back account thing for a year, provided you pay your bills from there. Every type of insurance you have, make sure you look for cheaper deals pre renewal. Check the tax code you’re on, and call the tax office to check you’re not due a refund. Loads of vouchers for things, if you look on money saving expert, plus a lot more in terms of general tips. Thanks for that, I’ve never found a survey app/site that pays or gives vouchers for anything useful for me unfortunately. I hope your job isn’t too bad… but then again does anyone actually enjoy their job? " Have a look at ‘yougov’ dot com | |||
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"You can do surveys on dedicated apps, that give you vouchers for supermarkets and things, which would then obviously count against what you’d already spend. Nationwide are doing a cash back account thing for a year, provided you pay your bills from there. Every type of insurance you have, make sure you look for cheaper deals pre renewal. Check the tax code you’re on, and call the tax office to check you’re not due a refund. Loads of vouchers for things, if you look on money saving expert, plus a lot more in terms of general tips. Thanks for that, I’ve never found a survey app/site that pays or gives vouchers for anything useful for me unfortunately. I hope your job isn’t too bad… but then again does anyone actually enjoy their job? Well, funny you ask. According to the ‘we love our jobs’ thread, quite a few. Bag of dicks. Joke! Joke! " haha! We just all need the money! Mind you, I recon a bag of dicks could be quite fun for some | |||
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"This one sounds implausible but it's not . Sit looking scruffy in any town centre,even though you're not homeless,say to passing people " spare some change" Collect on average £200 a week tax free.. ( Yes ..I do know this as fact). Yes I bet it works too Buy your car. " | |||
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"You can do surveys on dedicated apps, that give you vouchers for supermarkets and things, which would then obviously count against what you’d already spend. Nationwide are doing a cash back account thing for a year, provided you pay your bills from there. Every type of insurance you have, make sure you look for cheaper deals pre renewal. Check the tax code you’re on, and call the tax office to check you’re not due a refund. Loads of vouchers for things, if you look on money saving expert, plus a lot more in terms of general tips. Thanks for that, I’ve never found a survey app/site that pays or gives vouchers for anything useful for me unfortunately. I hope your job isn’t too bad… but then again does anyone actually enjoy their job? Have a look at ‘yougov’ dot com " | |||
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"Does anyone have any tips for saving as much money as possible fairly quickly or making extra? I need around £8,000 for a car I really don’t want to take out a finance would rather make do with my current car until I can save enough for a newer one…" If it fits round your current working hours you could see if any local takeaway places are hiring delivery drivers | |||
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"Depends how committed to this you are, OP! Loads of good ideas already. Can you get a promotion at work? Or a a higher paying alternative role? Is there overtime available? Do you definitely need to run a car right now? Could you sell it privately instead of part-ex - you’d get more money back. Shop and eat better - bulk buy own brand ingredients and batch cook. Walk/cycle where you can or lift share. Avoid Costa. Look at your outgoings - bills like heating can often be reduced. Do you need sky/Netflix etc? I think tax and insurance has already been mentioned. Sell stuff you don’t need on eBay. Can you get a second job? And that’s only scratching the surface!" Wow so many ideas thank you so much, sounds like you have your shit together! | |||
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"Depends how committed to this you are, OP! Loads of good ideas already. Can you get a promotion at work? Or a a higher paying alternative role? Is there overtime available? Do you definitely need to run a car right now? Could you sell it privately instead of part-ex - you’d get more money back. Shop and eat better - bulk buy own brand ingredients and batch cook. Walk/cycle where you can or lift share. Avoid Costa. Look at your outgoings - bills like heating can often be reduced. Do you need sky/Netflix etc? I think tax and insurance has already been mentioned. Sell stuff you don’t need on eBay. Can you get a second job? And that’s only scratching the surface! Wow so many ideas thank you so much, sounds like you have your shit together! " In reality, I collect hardly any of it. Red may have a different view….. | |||
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"Depends how committed to this you are, OP! Loads of good ideas already. Can you get a promotion at work? Or a a higher paying alternative role? Is there overtime available? Do you definitely need to run a car right now? Could you sell it privately instead of part-ex - you’d get more money back. Shop and eat better - bulk buy own brand ingredients and batch cook. Walk/cycle where you can or lift share. Avoid Costa. Look at your outgoings - bills like heating can often be reduced. Do you need sky/Netflix etc? I think tax and insurance has already been mentioned. Sell stuff you don’t need on eBay. Can you get a second job? And that’s only scratching the surface! Wow so many ideas thank you so much, sounds like you have your shit together! In reality, I collect hardly any of it. Red may have a different view….. " Maybe I need a new job that pays better but I earn £28k a year can’t seem to find much better | |||
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"Onlyfans?" Unfortunately I have an outy… if I had an inny I’d be all over it | |||
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"I made it into a game... Took 100 sticky notes and wrote down a number going from 1 to 100 on each one. Folded them up and put them in a jar. I take out one note out of the jar once a week or once a fortnight and whichever number is written on that paper I transfer it to my moneybox app. Moneybox has two different savings options - you can either get a 30 day notice or 90 day notice. If you're saving for something special - better get a 90day notice account as you have to wait 3 months to take the money out - it really saves you from making unnecessary purchases and makes you think before cashing out. It's free to use short term, but if you want you can play about with your investments and maybe even make some money on them if you're savvy in stock markets. Missus " Thanks for that, I used to do stocks and shares made a lot of money but then lost a lot too and I’m too scared of wiping myself out if I try that again | |||
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"Go on any social media site, there's always some on there promising to turn £2000 in to £20,000 within a few days." Is that how you make your money..? | |||
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"Go on any social media site, there's always some on there promising to turn £2000 in to £20,000 within a few days. Is that how you make your money..?" Yes, send me your money and I'll give you 100% profit, probably... | |||
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"I do the services myself y labour is cheap,!) so just the cost of parts " no timing/cam belts in that many miles? | |||
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"Go on any social media site, there's always some on there promising to turn £2000 in to £20,000 within a few days. Is that how you make your money..? Yes, send me your money and I'll give you 100% profit, probably... " exactly haha if only life was that simple | |||
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"Go on any social media site, there's always some on there promising to turn £2000 in to £20,000 within a few days. Is that how you make your money..? Yes, send me your money and I'll give you 100% profit, probably... " exactly haha if only life was that simple | |||
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"Just sell everything you dont need anymore. Or look for things you can buy cheaply to sell on for a bit more. " Mmm will try and find something | |||
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"Wow so many ideas thank you so much, sounds like you have your shit together! In reality, I collect hardly any of it. Red may have a different view….. " Only if you consider saying the word ‘plop’ frequently as not having your shit together | |||
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"This one sounds implausible but it's not . Sit looking scruffy in any town centre,even though you're not homeless,say to passing people " spare some change" Collect on average £200 a week tax free.. ( Yes ..I do know this as fact). Buy your car. " how many hours a day is that ? | |||
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"Wow so many ideas thank you so much, sounds like you have your shit together! In reality, I collect hardly any of it. Red may have a different view….. Only if you consider saying the word ‘plop’ frequently as not having your shit together " Twice!! I said it twice!!! | |||
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"Does anyone have any tips for saving as much money as possible fairly quickly or making extra? I need around £8,000 for a car I really don’t want to take out a finance would rather make do with my current car until I can save enough for a newer one…" you don't need 8k for a car. I'm guessing you need 8k for a car you'd like... But do you really need that one ? It may sound pessimistic, but you probably aren't going to get there quickly and easily ... As otherwise every one would be doing it. | |||
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"Does anyone have any tips for saving as much money as possible fairly quickly or making extra? I need around £8,000 for a car I really don’t want to take out a finance would rather make do with my current car until I can save enough for a newer one…you don't need 8k for a car. I'm guessing you need 8k for a car you'd like... But do you really need that one ? It may sound pessimistic, but you probably aren't going to get there quickly and easily ... As otherwise every one would be doing it. " Generally I get an older car lasts me a couple of years I want to get a half decent one that won’t have the end of life issues my current experience of cars have had for a few years anyway | |||
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"Saving is a dead game now it worked 30-40 years ago now you have to find a way to make more and fast saving isn't the solution " Any ideas how I can make more? | |||
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"Is it necessary to buy? We lease one of our cars and pay a monthly fee, trade in every 2.5yrs, no MOTs needed. " I’ve explored that option but you’re essentially paying £3000/£4000 a year to own nothing? | |||
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"Is it necessary to buy? We lease one of our cars and pay a monthly fee, trade in every 2.5yrs, no MOTs needed. I’ve explored that option but you’re essentially paying £3000/£4000 a year to own nothing?" Not necessarily that much, we get a new car but they do second hand too so would be cheaper, plus you get a newer car every few years. | |||
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"Is it necessary to buy? We lease one of our cars and pay a monthly fee, trade in every 2.5yrs, no MOTs needed. I’ve explored that option but you’re essentially paying £3000/£4000 a year to own nothing? Not necessarily that much, we get a new car but they do second hand too so would be cheaper, plus you get a newer car every few years." The ones I fine are like £250 a month? | |||
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"Is it necessary to buy? We lease one of our cars and pay a monthly fee, trade in every 2.5yrs, no MOTs needed. I’ve explored that option but you’re essentially paying £3000/£4000 a year to own nothing? Not necessarily that much, we get a new car but they do second hand too so would be cheaper, plus you get a newer car every few years. The ones I fine are like £250 a month?" Depends on what you're looking for I guess. Just an idea | |||
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"I made it into a game... Took 100 sticky notes and wrote down a number going from 1 to 100 on each one. Folded them up and put them in a jar. I take out one note out of the jar once a week or once a fortnight and whichever number is written on that paper I transfer it to my moneybox app. Moneybox has two different savings options - you can either get a 30 day notice or 90 day notice. If you're saving for something special - better get a 90day notice account as you have to wait 3 months to take the money out - it really saves you from making unnecessary purchases and makes you think before cashing out. It's free to use short term, but if you want you can play about with your investments and maybe even make some money on them if you're savvy in stock markets. Missus Thanks for that, I used to do stocks and shares made a lot of money but then lost a lot too and I’m too scared of wiping myself out if I try that again" I wouldn't gamble like that either. My comment was more about a playful way to put money away to an app that prevents you from impulse spending | |||
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"I do the services myself y labour is cheap,!) so just the cost of parts " Just curious, what make and model was it? T. | |||
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"Is it necessary to buy? We lease one of our cars and pay a monthly fee, trade in every 2.5yrs, no MOTs needed. I’ve explored that option but you’re essentially paying £3000/£4000 a year to own nothing? Not necessarily that much, we get a new car but they do second hand too so would be cheaper, plus you get a newer car every few years. The ones I fine are like £250 a month?" OP it’s a valid point but I appreciate not for everyone. Consider this - if you save £8,000 that’s equal to 32 months saving £250. Roughly the same as most PCP deals. I know you never own the car but it’s a lifestyle. The way they work out your monthly payments means you often end up with £2k ish equity to use as a deposit on the next model. So, every three years you get a new/nearly new car for £250 pm. Once you’ve saved up your £8k you’ll own your car. But - you’ll also have to fork out for repairs, servicing, MoTs etc. You’ll also have to start saving for the next car, so that’s additional money each month. Each to their own, of course. And there are so many personal variables you need to pick what works for you. But consider all the long term outlay. | |||
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"Another thing I thought of - I have different bank accounts, which helps me. One for savings, one for bills, one for spending. It’s good to see when I’m going mad and need to rein my spending in." I’ll use that tip ! | |||
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"Another thing I thought of - I have different bank accounts, which helps me. One for savings, one for bills, one for spending. It’s good to see when I’m going mad and need to rein my spending in. I’ll use that tip ! " Monzo are great for this | |||
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"Does anyone have any tips for saving as much money as possible fairly quickly or making extra? I need around £8,000 for a car I really don’t want to take out a finance would rather make do with my current car until I can save enough for a newer one…" First off if buying cash I’d get that 8K for 5K from an auction, you must know someone you can buy a nice case of wine and sage yourself 2-3K? If not just overbid the smart dealers and still save yourself 1-2K Now split your budget into two items essential and luxury. Keep reminding yourself everything that isn’t essential is luxury. Use cash not cards. Good luck | |||
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"This one sounds implausible but it's not . Sit looking scruffy in any town centre,even though you're not homeless,say to passing people " spare some change" Collect on average £200 a week tax free.. ( Yes ..I do know this as fact). Buy your car. how many hours a day is that ? " . about the same as he should be looking for work. | |||
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"This one sounds implausible but it's not . Sit looking scruffy in any town centre,even though you're not homeless,say to passing people " spare some change" Collect on average £200 a week tax free.. ( Yes ..I do know this as fact). Buy your car. how many hours a day is that ? . about the same as he should be looking for work." ? About the same ? That doesn't quite answer the question. Anyway, i suspect you are having a rant rather than trying to help. | |||
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"Does anyone have any tips for saving as much money as possible fairly quickly or making extra? I need around £8,000 for a car I really don’t want to take out a finance would rather make do with my current car until I can save enough for a newer one…" marry a rich woman | |||
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"Apparently there's a guy on here with a bunch of pound coins all up in his foreskin, so you could ask him for a few quid " Some people took that literally. Can't have a joke on here without causing offence and getting blocked. Getting back to the OP's question. I would have to know what your lifestyle is. Some people spend money on unnecessary things. | |||
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"This one sounds implausible but it's not . Sit looking scruffy in any town centre,even though you're not homeless,say to passing people " spare some change" Collect on average £200 a week tax free.. ( Yes ..I do know this as fact). Buy your car. how many hours a day is that ? . about the same as he should be looking for work.? About the same ? That doesn't quite answer the question. Anyway, i suspect you are having a rant rather than trying to help. " . I don't need to rant..telling the op facts..why is how many hours a week relevent ... approximately 18 to 20 weekly on average the ones I know.. £200 a week X10 months approximately tax free is the amount he requires.. | |||
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"This one sounds implausible but it's not . Sit looking scruffy in any town centre,even though you're not homeless,say to passing people " spare some change" Collect on average £200 a week tax free.. ( Yes ..I do know this as fact). Buy your car. how many hours a day is that ? . about the same as he should be looking for work.? About the same ? That doesn't quite answer the question. Anyway, i suspect you are having a rant rather than trying to help. . I don't need to rant..telling the op facts..why is how many hours a week relevent ... approximately 18 to 20 weekly on average the ones I know.. £200 a week X10 months approximately tax free is the amount he requires.." because if he's also working (I assume he is) then he may struggle to find the time to sit in the street all day. And he's probably better off working and getting taxed than doing a stint of begging. And that's assuming your 200ppw is "only" 8 hours a day, 5 day pw. But even of it's "only 20 hours", then begging all weekend for eight months doesnt sound amazing help. | |||
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"This one sounds implausible but it's not . Sit looking scruffy in any town centre,even though you're not homeless,say to passing people " spare some change" Collect on average £200 a week tax free.. ( Yes ..I do know this as fact). Buy your car. how many hours a day is that ? . about the same as he should be looking for work.? About the same ? That doesn't quite answer the question. Anyway, i suspect you are having a rant rather than trying to help. . I don't need to rant..telling the op facts..why is how many hours a week relevent ... approximately 18 to 20 weekly on average the ones I know.. £200 a week X10 months approximately tax free is the amount he requires..because if he's also working (I assume he is) then he may struggle to find the time to sit in the street all day. And he's probably better off working and getting taxed than doing a stint of begging. And that's assuming your 200ppw is "only" 8 hours a day, 5 day pw. But even of it's "only 20 hours", then begging all weekend for eight months doesnt sound amazing help. " You assume incorrectly... and most professional beggers are on benefits...Google " professional beggers" | |||
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"Apparently there's a guy on here with a bunch of pound coins all up in his foreskin, so you could ask him for a few quid " OMG I saw that thread and burst out laughing haha Mrs | |||
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"This one sounds implausible but it's not . Sit looking scruffy in any town centre,even though you're not homeless,say to passing people " spare some change" Collect on average £200 a week tax free.. ( Yes ..I do know this as fact). Buy your car. how many hours a day is that ? . about the same as he should be looking for work.? About the same ? That doesn't quite answer the question. Anyway, i suspect you are having a rant rather than trying to help. . I don't need to rant..telling the op facts..why is how many hours a week relevent ... approximately 18 to 20 weekly on average the ones I know.. £200 a week X10 months approximately tax free is the amount he requires..because if he's also working (I assume he is) then he may struggle to find the time to sit in the street all day. And he's probably better off working and getting taxed than doing a stint of begging. And that's assuming your 200ppw is "only" 8 hours a day, 5 day pw. But even of it's "only 20 hours", then begging all weekend for eight months doesnt sound amazing help. " Not " better off working and getting taxed" ( and ni insurance).. Eg : universal credit ( which includes rent and unemployment benefit,let's say £200 a week,plus £200 professional begging is around £400..tax free 40 hours work @ £10 per hour ( actually £9.50 national minimum) is £400 ..minus tax , national insurance,workplace pension,so not better off working | |||
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"This one sounds implausible but it's not . Sit looking scruffy in any town centre,even though you're not homeless,say to passing people " spare some change" Collect on average £200 a week tax free.. ( Yes ..I do know this as fact). Buy your car. how many hours a day is that ? . about the same as he should be looking for work.? About the same ? That doesn't quite answer the question. Anyway, i suspect you are having a rant rather than trying to help. . I don't need to rant..telling the op facts..why is how many hours a week relevent ... approximately 18 to 20 weekly on average the ones I know.. £200 a week X10 months approximately tax free is the amount he requires..because if he's also working (I assume he is) then he may struggle to find the time to sit in the street all day. And he's probably better off working and getting taxed than doing a stint of begging. And that's assuming your 200ppw is "only" 8 hours a day, 5 day pw. But even of it's "only 20 hours", then begging all weekend for eight months doesnt sound amazing help. Not " better off working and getting taxed" ( and ni insurance).. Eg : universal credit ( which includes rent and unemployment benefit,let's say £200 a week,plus £200 professional begging is around £400..tax free 40 hours work @ £10 per hour ( actually £9.50 national minimum) is £400 ..minus tax , national insurance,workplace pension,so not better off working " if the OP is on UC then I understand your point more. I assumed he wasn't given the topic. | |||
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"This one sounds implausible but it's not . Sit looking scruffy in any town centre,even though you're not homeless,say to passing people " spare some change" Collect on average £200 a week tax free.. ( Yes ..I do know this as fact). Buy your car. how many hours a day is that ? . about the same as he should be looking for work.? About the same ? That doesn't quite answer the question. Anyway, i suspect you are having a rant rather than trying to help. . I don't need to rant..telling the op facts..why is how many hours a week relevent ... approximately 18 to 20 weekly on average the ones I know.. £200 a week X10 months approximately tax free is the amount he requires..because if he's also working (I assume he is) then he may struggle to find the time to sit in the street all day. And he's probably better off working and getting taxed than doing a stint of begging. And that's assuming your 200ppw is "only" 8 hours a day, 5 day pw. But even of it's "only 20 hours", then begging all weekend for eight months doesnt sound amazing help. Not " better off working and getting taxed" ( and ni insurance).. Eg : universal credit ( which includes rent and unemployment benefit,let's say £200 a week,plus £200 professional begging is around £400..tax free 40 hours work @ £10 per hour ( actually £9.50 national minimum) is £400 ..minus tax , national insurance,workplace pension,so not better off working if the OP is on UC then I understand your point more. I assumed he wasn't given the topic. " I don't think he's a cat burglar either | |||
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