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    • MSE Sally
    • By MSE Sally 27th Nov 12, 3:33 PM
    • 70Posts
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    MSE Sally
    Real-life MMD: Should I share utility switching cashback?
    • #1
    • 27th Nov 12, 3:33 PM
    Real-life MMD: Should I share utility switching cashback? 27th Nov 12 at 3:33 PM
    Money Moral Dilemma: Should I share utility switching cashback?

    I share a house. While we split the bills equally, the gas and electricity bill is in my name. When the price hikes were announced recently, I listened to the boss and switched to a fixed deal saving us 150/yr, clicking through a comparison site offering the most cashback. I've done the legwork, made the calls and sourced the deal. Now the switch is nearly complete, do I split the 30 cashback with my housemates? (I'm staying anonymous, in case they're reading...)

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    Note: Please remember that these are real-life Money Moral Dilemmas and while we want you to have your say, please remember to be nice when you respond.

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    Last edited by MSE Sally; 27-11-2012 at 5:20 PM.
Page 1
    • green1970
    • By green1970 27th Nov 12, 8:03 PM
    • 726 Posts
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    • #2
    • 27th Nov 12, 8:03 PM
    • #2
    • 27th Nov 12, 8:03 PM
    I don't think I'd keep it, if you're sharing a house I would think that everyone mucks in with doing their bit - yours just managed to bag you a kickback. I'd be tempted to buy something with the cashback that benefits the whole household like a few 10 meal deals from M&S or a second hand wii console, something that gets you all together having a laugh. Living with others is tough enough without people thinking one of their housemates is being a little bit mean.
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  • Dame
    • #3
    • 27th Nov 12, 8:06 PM
    • #3
    • 27th Nov 12, 8:06 PM
    You are all already saving 150/year through your hard work - the cashback should surely be for the person who put themself out to find the deal

    I say keep it
  • mayling03
    • #4
    • 27th Nov 12, 8:21 PM
    • #4
    • 27th Nov 12, 8:21 PM
    I would say keep it. It's only 30 at the end of the day. You took initiative to bother doing the legwork - think of it as a little reward to yourself. And your housemates are better off anyway. Also the cash back may take months to come through.
    • Tigsteroonie
    • By Tigsteroonie 27th Nov 12, 8:37 PM
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    • #5
    • 27th Nov 12, 8:37 PM
    • #5
    • 27th Nov 12, 8:37 PM
    I wouldn't share it - you did the hard work of finding them a good deal, so they've all benefitted from that. The cashback is your wages for doing the work!
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    • Curly
    • By Curly 27th Nov 12, 9:23 PM
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    • #6
    • 27th Nov 12, 9:23 PM
    • #6
    • 27th Nov 12, 9:23 PM
    Keep it 100% and keep quiet.
    If you want to get with me there's some things you got to know,
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  • moneysavingmumofone
    • #7
    • 27th Nov 12, 9:24 PM
    • #7
    • 27th Nov 12, 9:24 PM
    Id keep it as your reward for finding the deal!
    'They only had one cow!'
    • irishjohn
    • By irishjohn 27th Nov 12, 9:31 PM
    • 1,207 Posts
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    • #8
    • 27th Nov 12, 9:31 PM
    • #8
    • 27th Nov 12, 9:31 PM
    Look at it this way - another housemate goes off to Mr T to buy house share items, eg Instant Coffee - large jar. He finds it is on BOGOF so brings back two jars - He puts one jar in the cupboard for communal use and keeps the second one to take into work to use for his coffee breaks? Does that sound fair to you? If it does then by all means keep the 30 - if it doesn't then I would hope the 30 goes into the communal pot of cash to pay the utility bills,
  • mummybearx
    • #9
    • 27th Nov 12, 9:33 PM
    • #9
    • 27th Nov 12, 9:33 PM
    Keep it!

    You earned it!
    Can't think of anything smart to put here...
    • kerri gt
    • By kerri gt 27th Nov 12, 10:57 PM
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    kerri gt
    Keep it. You did all the leg work to save the house 150 , count it as a service fee. If you felt like it you could shout the house a takeaway perhaps.
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    • Kirri
    • By Kirri 27th Nov 12, 11:16 PM
    • 6,121 Posts
    • 20,670 Thanks
    Keep it - it takes ages going through those comparison deals, most people wouldn't bother even trying and why should they share it if they've done nothing to help!
  • tommay
    I think it would be quite cheeky to keep it if, had you not done it, someone else would've. If you can be sure nobody else would've bothered then you could keep it.
    I agree with green1970 though; buy something for everybody with the money. Maybe rent a couple of films and get a takeaway for a good night in.
    • Augustus the Strong
    • By Augustus the Strong 27th Nov 12, 11:33 PM
    • 297 Posts
    • 308 Thanks
    Augustus the Strong
    If you've found a deal that makes it cheaper for you all, with a 30 reward on top, I'd say keep the 30. Everyone is benefiting from your efforts, so they can't complain.
    • trishx
    • By trishx 27th Nov 12, 11:38 PM
    • 88 Posts
    • 269 Thanks
    I'd say it depends on your housemates and what your relationship with them regarding money is like.

    In my group of friends, I'm always the organiser and the one who gets the deals, pays out and then collects the money. When I do this for my friends, I always count any cashback as "kitty" money and use it as credit for the next expense. I quite like to tell them "I got us a 10% discount here and 6 off here" etc. These are the sort of people who always buy a round and are considerate and grateful for the effort I put in.

    Earlier this year, I organised a hen party for a good friend of mine, where most of the other girls constantly grumbled about the cost (although it was ridiculously good value and well under the agreed amount). What really wound me up is they refused to contribute to paying the brides expenses! I also ended up spending a lot of my own money for extras (party bags etc). For these sort of people - keep the cashback! I did and it wasn't insignificant either

    So are they generally fair and decent people - whom you have a decent tit for tat relationship with? Or are they misers who are always stealing your milk and never replacing it? I think you'd know if you would begrudge sharing it with them or not.
    • Sharon87
    • By Sharon87 28th Nov 12, 3:16 AM
    • 3,538 Posts
    • 3,013 Thanks
    I would say keep it. I'm in charge of bills in my house, little perks and knowledge of cashback sites means its like payment for keeping on top of the bills. My housemates wouldn't know where to start trying to save money or understanding bills. I did the cashback for sky tv. Didn't tell housemates though but I see it as I'm putting my credit score on the line and I get reward by being smart and also going through cashback site
    • centaurandrew
    • By centaurandrew 28th Nov 12, 4:44 AM
    • 54 Posts
    • 20 Thanks
    Keep it.

    Many people don't bother with cashback sites anyway as they don't understand them, I've given up trying to convert people!

    Fact of the matter is, you've saved them money, they probably wouldn't have bothered with cashback if they'd arranged it and you put in a lot more time than them.

    Jar of coffee example is completely irrelevant here - a better comparison would be - Housemate A goes into Tesco and buys a jar of coffee for the house, and also earns 1000 reward points in the process, should they share what they bought with the reward points?
  • juggsy
    I agree with trishx in that it depends on what your housemates are like to live with to ultimately help make the decision. If your house was anything like mine, I was always the one that sorted the bills, dealt with the landlord, sorted issues etc. whilst everyone else just messed the house up. So if it were me in that situation I'd definitely keep it as my reward for doing more than my fair share.

    If however you live in a more amicable household where everyone mucks in, does their fair share and has their own responsibilities then why not buy a couple of rounds at the pub with it?

    At the end of the day it is only 30 so whether you split or keep it is not going to drastically change anyone's lives, so don't worry about it too much
  • StretchedElf
    I'm pretty shocked at how many people think its ok to keep it. Fair enough if all the housemates had agreed beforehand that anyone who finds a deal like this gets to reap the rewards, but they haven't so I don't think you should. Heck, why not go the whole hog and pocket the 150 annual savings, after all, that was your "hard work" too, right?
    • SueC
    • By SueC 28th Nov 12, 7:54 AM
    • 1,531 Posts
    • 1,884 Thanks
    Think through how they would be likely to react if they found out you had kept the 30.

    If it would result in upset / damaged friendships in any way, then ask yourself if the 30 is worth it.

    There's a lot to be said for harmonious relationships with those that we live with.
    • qetu1357
    • By qetu1357 28th Nov 12, 8:23 AM
    • 923 Posts
    • 916 Thanks
    I say keep it.

    You did the hard work in finding the best deal and your flatmates are sharing in the benefit of the reduced bill.
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