Sometimes its hard

csarinaknight

We are 3 years through a 5 year loan .......and its getting difficult, not paying it, thats not a problem, I am just so fed up with not having any money!!!!!!!!!!!!!

We live on pensions, and I have screwed evrything down as far as I can, but having to move earlier this year really set us back......I now have an overdraft which I am trying to pay back as quickly as possible.....we do need a break and I have booked a cheap holiday for next year in May.......this week I had to scrape the barrell and get some new clothes, the last ones I bought 3 years ago................we get housing benefit and council tax benefit but not much as we have too much coming in with work pensions and I have a private pension...............I am really not moaning but it does seem a long slog...............I cannot wait to be debt free....................just 20 months to go!!!!!!!!!!!!!!!!!!!!

RAS

Hi

Sorry things are rough. Do not have much time but here is Chevalier's list of survey and cash for clicks sites

Hi there these are all sites I use, to earn money/points. They are all things you can do from home. They won't earn you hundreds but every little helps.

Also there is the mystery shopping thread. This might be good for you, as you only do a brief walk through a shop, or have a meal etc and then write a report on it.





Best of luck
chev

www.lightspeedpanel.com - this is a survey site, where you get points which turn into vouchers (you choose). May not help with the cash flow, but the vouchers could be saved towards birthday/xmas or given as presents.

www.ciao.co.uk - survey site that gives money. A bit fits and starts ie no surveys for a couple of weeks, then three or four the same day.

www.yougov.com - again paid surveys. However takes a while to get to the minimum payout level

www.mytns.com - again this is a survey site, but it pays you in points that convert into Nectar points at Sainsbury’s.

www.pigsback.co.uk - this is a points site, ie they give you points for buying things via their site. BUT you also get points for signing up for news letters (some of which are even interesting!), and also for clicking on adverts with pink borders. I have spent NOTHING with them but got a £10 voucher through this week (only been registered since January). There is also a thread in the freebies section, of www.moneysavingexpert.com which gives you all the daily answers to the competitions so you can have a better chance of winning on them.

www.mutualpoints.com - another points for clicks site. You can also buy things via their site and get points too. For a long time, I just clicked the links in the emails they send you, and that gets you 5 points. At 3000 points you get £20 I think. You can do searches via their site and that gets you points too.

www.quidco.com - this is a cash back site, so very good, for checking if any potential new insurers (ie if you have checked your contents insurance say and found a new provider), are offering cash back. Eg Lloyds was offering £120 cashback on new policies at one point (the offers do change). You can also get small amounts of cash again for doing searches via their site. You can earn 52p a day by doing this. Every little helps.

www.greasypalm.co.uk - another cash back site, where you can do searches and get small amounts of money. But it all adds up. I think you can get about 50p a day on there for nothing. Minimum payout is £20 I think, but you can sign up to survey sites via there, and get extra money that way for nothing.



And here is the list that nearly rich provided of mystery shopping sites

aximising income - Mystery Shopping? Surveys? (Part Two)
Due to the very long thread that has developed on this topic I have been asked to start part two as long threads slow the site down. I have copied the main info from post one on the old thread into this one thanks to Leni who started the original thread and all contributors.

Happy shopping!

Nearlyrich BG



MYSTERY SHOPPING ADVICE

COMPANIES USED BY CURRENT MSE Mystery Shoppers

Grassroots
www.grgresearch.com
Allocation of Jobs – via email or telephone calls
Pay Day – Varies but usually 3-4 weeks after your assignment by BACS
TAX – Self Employed (you sort your own)

Retaileyes
www.retaileyes.co.uk
Allocation of Jobs – Self allocation, you need to keep checking the website
Pay Day – 15th of the month following your assignment by cheque or BACS
TAX – Self Employed (you sort your own)

GapBuster
www.gapbuster.com/
Allocation of Jobs - Self allocation, you need to keep checking the website
Pay Day – 24th of the month following your assignment by BACS
TAX – Self Employed (you sort your own)

TNS
www.tns-global.com (Click Mystery Shopping Link in Pink, bottom Left)
Allocation of Jobs -
Pay Day – 28th of the month following the assignment
TAX – Employed, TNS will sort your tax out for you!

BAI
www.baidata.com
Allocation of Jobs – Self allocation although they contact you to tell you if you were successful in obtaining that assignment.
Pay Day – 15th of the month following the assignment
Tax –

GFK/NOP
http://www.gfknop.co.uk/sectors.asp?go=myst

Pay Day = Every 2nd Thursday (pay claims to be submitted the 1st Thursday of the month)

Retail Maxim
www.retail-maxim.co.uk
Allocation of Jobs -
Pay Day –
Tax –


TAX
If you wish to do Mystery Shopping, even just one job, you need to register with the Inland Revenue within 3 month or you could face a fine of £100.

Forms and Guidelines you will need –

Self Employed people with small earnings Guidance - http://www.hmrc.gov.uk/forms/cf10.pdf

To register as Self Employed you will need to either ring the IR (Inland Revenue) ON 08459 15 45 15 or download and send back the form CWF1 (http://www.hmrc.gov.uk/forms/cwf1.pdf )

You may also be required to pay National Insurance at the rate of £2.10 a week, but only if you earn more than £4345 after expenses in any one year THROUGH Self Employment. This means earning more than £4345 in addition to you other employment. If you think you will earn less than £4345 in the financial year, then you can apply for a “Certificate of Small Earnings Exception” which means you will not have to pay NI (National Insurance) Contributions. The Exception application can be found at the end of this document CF10 - http://www.hmrc.gov.uk/forms/cf10.pdf


Information on Self Assessment - http://www.hmrc.gov.uk/sa/selfemp.htm


These might help you get a few fun things to lighten the load. Also check ouut the freebies boad; it sometime includes things like cinema tickets.

Bunnyinthelights

Great post RAS
Bunny