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    • Little Miss Uni-Debt
    • By Little Miss Uni-Debt 1st Mar 13, 8:18 AM
    • 832Posts
    • 2,875Thanks
    Little Miss Uni-Debt
    The 1% Challenge - 100 ways to make your 1%
    • #1
    • 1st Mar 13, 8:18 AM
    The 1% Challenge - 100 ways to make your 1% 1st Mar 13 at 8:18 AM
    Hello all! Welcome to the new home of The 1% Challenge. The first 8 months flew by and we did amazingly well! (£85K cleared - Amazing!!!!)

    Time for a fresh new thread at the start of a fresh new month!
    I'll be moving members list & ideas list here shortly!

    Please pop in to say hello and subscribe to this new thread!

    What's it all about?

    So, for anyone new to the challenge & joining us here for the first time, you might find the back-story helpful. The original thread is here Post 1951 on pg 98 was the year end round up and has all the stats.

    Basically the idea is that money comes to us in lots of small ways and we don't often realise it. When faced with a big debt it can be overwhelming and we find ourselves just waiting for the next pay day when we can make a large payment.

    However, we shouldn't be counting paydays as that's really demotivating, we should be saying we're 100 steps away from being Debt Free or our Savings Target. Each step is 1%. You can do those steps as fast or as slow as you like, as long as you are making progress. There are many ways you can make your 1%. So many in fact that I put together a list of over 100+ ways you can make 1%. Some can even be done several times!!

    When the budget has settled and you have a long journey ahead of you, it often gets tough, trying to look for the light at the end of the tunnel. We often push ourselves hard but always wish we could pay more, do more and save more. Sometimes it's hard to be satisfied with the baby steps that we know are good for us.

    By doing it 1% at a time and celebrating every milestone, you're on the debt-free ladder & you know exactly which rung you're on. You can take the steps as fast or slow as you like. When you need to, you can pause for a while and reflect on your progress and then carry on renewed.

    We need to enjoy the journey and not just the destination.

    Three Golden Rules

    1. You MUST pay your minimums to your debts each month (This is covering your interest) The percents you earn are in addition to covering your monthly minimums.

    2. Always work with accurate balances. Honesty with yourself now saves you from being disappointed with your balances later on.

    3. When you feel overwhelmed or demotivated just focus on your next 1%

    How To Join in on the challenge! -

    Post in BIG colourful letters, your name, 1% and total so far. I'll add you to the list. e.g LITTLE MISS UNI-DEBT - 1% is £80.

    What you might need :-
    Moneybox / petty cash tin (keep your £s safe!)
    100 wage envelopes, or 100 paperclips - (the freer the better)
    Free printable 100 square here or here (press begin & then print)
    (or make one of your own! Get the felt pens out! )

    How to...
    Take your exact debt or savings total and divide by 100.
    Round UP to the nearest £1 or £10. This is your 1%
    In your notebook start a list of 100 ways that you can earn 1%
    Print the ideas list below for inspiration
    Use the thread for support & motivation
    Contribute new ideas and what worked for you
    Shout up and join the list & get a member number.
    Post a weekly/monthly update of what you've done and how you did it!
    Have fun with the super secret smilies
    Colour in your progress on your 100 square
    Put your member number in your sig, and your % so far & spread the word!

    Important Notes

    ***You MUST MUST MUST pay your minimum payments to all of your debts AND save your 1%'s as well.*** This is now a golden rule

    Your 1%'s are what you owe, your min payments are the interest you are paying. I consider the min payments as a 'service charge' the cost of rolling your debt on to the next month. This makes you consider just how much your debt is costing you each month!

    As you pay your 1%'s to your cards, your min payments will start to drop. The faster you put your 1%'s to your cards the less interest you will pay.

    If you save up to 100% and pay it off in one go this is MORE expensive than paying each 1% as soon as you have earned it. (I try to save 5% then pay it off)

    This challenge is probably best for debts/savings £20k or less.
    If you find your 1% still too daunting, just decide on how much you want to pay off this year. Divide it by 100. That should give you a 1% figure that is more suitable. Some find it easier to do one card at a time, starting with the highest interest rate.

    If your debt is still increasing through spending, this challenge isn't right for you yet. You need to go back a step to your SOA and re-work it until your debt is steady and you have a little room for overpayments. Then come back when you're ready!

    Please contribute your 1% ideas - we need to build a fantastic list for people to choose from!

    Anyone wanting to join from now on please post in BIG letters and you'll get the next number on the list.

    Little Miss xx

    If you haven’t already, join the forum to reply!
    This Forum tip was included in's weekly email!
    Last edited by Former MSE Andrea; 18-10-2017 at 12:21 PM.
    Total@ LBM - Nov07 £14k - Nov 08 £5765 - Aug 09 £3k Dec 09 £998 - May 11 £6900 - Jun 12 £8k Sept12 £7k 19.5k Done - 0k to go
    DEBT FREE! Nov 15
    Proud DFW Club Member - #1073
    '1% at a time' Member - #1!
Page 1
    • Little Miss Uni-Debt
    • By Little Miss Uni-Debt 1st Mar 13, 8:19 AM
    • 832 Posts
    • 2,875 Thanks
    Little Miss Uni-Debt
    • #2
    • 1st Mar 13, 8:19 AM
    • #2
    • 1st Mar 13, 8:19 AM
    ***The Official '1% at a time' Members List ***
    ------------The Percentage Peeps!-------------
    # Username--------------- 1% ------Progress
    ***The Official '1% at a time' Members List ***
    ------------The Percentage Peeps!-------------
    # Username--------------- 1% ------Progress
    1 Little Miss Uni-Debt -------£80---------100% ★
    2 Time to face the music
    3 tony_ack
    4 sickasachip13
    5 DharmaBunny
    6 RedSaxon
    7 Zepsgal --------------------£12----------0%
    8 Starbrite
    9 BlushingRose
    10 Treacle1983
    11 DebbieDebt
    12 LindsayGalaxy
    13 7Roland8
    14 MuffinTops
    15 Shrimpy_80 --------------£30--------------- 5%
    16 TenBob84
    17 CraftingMad--------------£12.50----------------29% ★★★
    18 Starnac
    19 Ss3n08
    20 Fae -------------------- £129.95------------- 29.5%
    21 Emmaglet
    22 Danni-R--------------------£15 --------------3%
    23 Remote-Control ----------- £10--------------0% ★ @ £38
    24 TattyCath------------------£30 --------------27% ★
    25 Everhopeful09--------------£47 -------------14%
    26 Hummingbird
    27 Paulmapp8306
    28 TakingControl
    29 NatterJack99----------------£50--------------0%
    30 sc1
    31 ToriaTerrier-----------------£10--------------0%
    32 Skinto_7
    33 Tiff
    34 Elaine1966
    35 DD265
    36 Cuba Cat----------------------£27-----------------17%
    37 Lesgeo2012--------------------£40 / £46-------- 0% / 38%
    38 TeamNicholson -----------------£98--------------0%
    39 Chelmsfordgirl1
    40 Liz-Paul ------------------------£80 -------------40%
    41 Ammonite
    42 415SanFran---------------------£50 -------------23%
    43 HappyTails -----------------Car/CC/Loan---------40%/47%/53% ★★
    44 EccentricRavenJewellery
    45 SkintSue-------------------------£30 ------------10.5%
    46 Shoe_gal_84
    47 LisaJane
    48 ever-hopeful
    49 Sbarkia
    50 Moneysaverme
    51 Kte------------------------------£29 -------------0%
    52 FlacosFloozie
    53 bpsp10 -------------------------- £70 ------------14%
    54 mark88man
    55 Electrobix99
    56 Clairelg88-------------------------£20 --------------12%
    57 ThemStarryNights
    58 BeadGirl87
    59 KitchenBunny-----------------------£10 -----------1%
    60 LondonGirl252
    61 Jubilee76
    62 Buffythedebtslayer -------------£100-------------0%
    63 Katsu
    64 mosaic012---------------------£13.71------------0%
    65 billysmum
    66 Lezley307 -----------------------£40--------------5%
    67 LynseyDee --------------------- £40-------------- 0%
    68 Helen2012b ---------------------£100------------5%
    69 MrsM1983-----------------------£15--------------11%
    70 MessyMare----------------------£50---------------31%
    71 xJoJox--------------------------£20----------------46%
    72 Kellbobs------------------------ £10----------------0%
    73 Nimbo-------------------------- £60 ---------------5%
    74 HappyBucket--------------------£10 ---------------0%
    75 Seashell------------------------£125 ---------------0%
    76 Braddy970--------------------£?/£?/£? -----------10%/10%/5%
    77 MayForHer----------------------£80----------------0%
    78 Welsh Girl Slim------------------£32- -------------0%
    79 Hanliam------------------------£140---------------8%
    80 Ali-t---------------------------£160-----------------0%
    81 GraceSophia--------------------£10----------------0%
    82 Emzilla-------------------------£60.66------------- 0%
    83 Ruby789-----------------------£40----------------- 0%
    84 Clairelg88----------------------£20-----------------7%
    85 Kelfen-------------------------£5--------------------4%
    86 Smoosh-----------------------£13.33---------------0%
    87 Marshy1985------------------£22-----------------7.7%
    88 Jammydodgersandrhl-----------£13-----------0---11%
    89 Mrs Rosecroft------------------£25-----------------0%
    90 x.nukke.x----------------------£25-------------------0% ★
    91 Hele_an-----------------------£40/£30--------------1.4%/6%
    92 SaraSage----------------------£24-------------------2.6%
    93 Decluttering-------------------£25--------------65% ★ 1st to 100%. 10/10/12 was £5
    94 LeaLea89----------------------£15-------------------0%
    95 ChocolateBum-----------------£25------------------1%
    96 KirstyMcManus----------------£6-------------------4%
    97 Mossop93--------------------£2--------------------0%
    98 JackieRHE-------------------£8---------------------13%
    99 NikkeiPositivity------------£139-------------------7.5%
    100 WelshGirl78 --------------£100-------------------5%
    101 LaughingLorna-----------£68---------------------12%
    102 TudorFan22--------------£43-----------------44.65%
    103 Debt Free Soon-----------£10---------------------40%
    104 Hmm-----------------------£60--------------------2.5%
    105 Tra--------------------------£25-------------------23%
    106 FunkyStarfish-------------£10--------------------4.4%
    107 Asoe209---------------£10/£15/£16--------------11%
    108 EllieGibbo------------------£76--------------------0%
    109 PaintYourBox--------------£12--------------------0%
    110 Mummy2threeboys-------£42--------------------0%
    111 LizH-------------------------£70-------------------0%
    112 Soxxxxy------------------£260--------------------2%
    113 Ellesbellesxxx-------£?/£?-----------------66.5%/87.5%
    114 BargainBetty---------------£70-------------------10%
    115 Diana3564------------------£?--------------------0%
    116 Naughty-yet-sorta-nice-----£10------------------0% ★ 100% done 25/10/12 was £30
    117 Kaz665---------------------£13--------------------6%
    118 Tiggy10--------------------£20--------------------80%
    119 Munchin-------------------£21--------------------0%
    120 Floella80------------------£48--------------------0%
    121 DebtBeGone---------------£50--------------------11%
    122 FatPuddingMumma---------£19.67---------------0%
    123 KKing----------------------£80--------------------2%
    124 JennyPennySaver----------£246------------------0%
    125 Triangle--------------------£20--------------------22%
    126 Rachel84-------------------£12--------------------27.4%
    127 SpecialKaye----------------£50--------------------0% ★@ £23
    128 PottersGal-----------------£75---------------------2%
    129 Digging-------------------£90----------------------0%
    130 KayleighPea---------------£69----------------------7%
    131 Pernicious-----------------£106--------------------90%
    132 THEMONEYSPIDER---------£5---------------------17%
    133 Rubyinamountainofrocks---£22-------------------2%
    134 Henna123----------------£16----------------------0%
    135 Frugalgdubs--------------£?-----------------------0%
    136 Thrifty_gal26-------------£70----------------------6%
    137 Sapanga-----------------£30-----------------------0%
    138 Motoko------------------£60------------------------3%
    139 Jeneflower---------------£20-----------------------2%
    140 Hummingbird-------------£18----------------------3%
    141 OllieGami----------------£45-----------------------5%
    142 NockyNoonah------------£30-----------------------0%
    143 Vintage43 -------------£10-------------------------0%
    144 PataraWendy-----------£200-----------------------0%
    145 Katie26----------------£20--------------------------0%
    146 AprilShower------------£40-------------------------6%
    147 MrsGriff---------------£22---------------------------0%
    148 Nanell-----------------£20--------------------------46.6%
    149 Gerturdeanna-----------£5-------------------------10%
    150 MrsPoppy--------------£30------------------------0%
    151 Moneymakestheworldgoround --£5.74-----------14%
    152 Headoutthesand--------£30------------------------5%
    153 Jez1020----------------£80-------------------------0%
    154 Fedupandskint----------£160----------------------19%
    155 Quok-------------------$50-------------------------0%
    156 Alana171---------------£60------------------------12%
    157 Bublin1-----------------£60------------------------31%
    158 SleggySortingMoney----£90-----------------------0%
    159 Lily_the_Legend--------£45------------------------5%
    160 Kerfuffle----------------£70------------------------10%
    161 Liberty6201-------------£25-----------------------10%
    162 LittleMissKitty-----------£?-------------------------?%
    163 TrulyMadlyDeeply_indebt--£5.5-------------------77%
    164 FallenArcher-------------£50-----------------------32% ★
    165 StarrySaver--------------£50---------------------0%
    166 DMPtofreedom----------£460---------------------?%
    167 Abundant1972----------£125---------------------23%
    168 Ecoverbee (Andy)--------£9-----------------------9%
    169 Happy Daddy------------£52----------------------0%
    170 Determined Diva--------£110---------------------40%
    171 Rising from the ashes---£6.50--------------------0%
    172 Gelmc--------------------£?-------------------------0%
    173 HappyTorty-------------£23.30---------------------0%
    174 Mthanry-----------------£5.33---------------------15%
    175 DanielleNic87-----------£88.19-------------------1%
    176 Justamummy------------£90----------------------0%
    177 Youareallhelpingme-----£8.70-------------------5.7%
    178 Treehouse --------------£300-----------------------26%
    179 TheShinyOne------------£5-------------------------3%
    180 MrOrchard--------------£400-----------------------10.5%
    181 WinterGhosts-----------£20-----------------------2%
    182 Shell78 ----------------£12-----------------------2%
    183 ilovetea-----------------£10-----------------------55%
    184 Nomi1-----------------£25------------------------19.8%
    185 Embirch---------------£5--------------------------11%
    186 Nat21luv--------------£8--------------------------53.83%
    187 IWannabeasaver-------£60----------------------0% ★
    188 AccountingBod--------£74.03--------------------6.3%
    189 Unoriginal_uk---------£50------------------------18%
    190 WorkFromHome-------£10-----------------------0%
    191 Elmly-------------------£40-----------------------62.5%%
    192 Nicci985----------------£20-----------------------21%
    193 Natterjack88----------£4-------------------------34%
    194 Westie660-------------£??------------------------0%
    195 Maddie57--------------£60-----------------------10.5%
    196 Melodramaticme------£62-----------------------35% ★ @ £45
    197 Rushy------------------£25----------------------63%
    198 GreenSaints-----------£150---------------------100% ★
    199 Saz186----------------£40----------------------0%
    200 SophiasMum----------£75----------------------0.5%
    201 CouldSaveMore-------£34-----------------------14.7%
    202 Ninno820--------------£19.50---------------------0%
    203 Vics199----------------£44----------------------44%
    204 Pisces72---------------£40----------------------0%
    205 Debtisgoing-----------£70-----------------------0%
    206 WillGetThere----------£60-----------------------0%
    207 Purple.Sarah----------£??-----------------------0%
    208 Utopiah----------------£45----------------------24%
    209 Honeypisquared-------£7.33-------------------2%
    210 VW Campervan Mum-£??----------------------0%
    211 Stressed Steph--------£100-------------------11%
    212 ThriftyFelicity----------£100-------------------0% _____START OF 2013
    213 SoftKittyWarmKitty £??----------------------19%
    214 Jumanji---------------£46-----------------------0%
    215 Annie021063---------£30-----------------------0%
    216 YouKnowWho---------£30-----------------------0%
    217 Nellie77---------------£46-----------------------0%
    218 HomeMadeHappiness£25-----------------------2%
    219 TeaandCakeAddict----£33----------------------21%
    220 Licious---------------£7/£5--------------------18%/9%
    221 NewLeaf--------------£560----------------------0%
    222 ReadyToBeFree-------£??-----------------------0%
    223 Fantastiyk-------------£?------------------------19% ★
    224 KittieJ-----------------£25----------------------60%
    225 SellurGranny----------£165-----------------------100% ★
    226 Clarabella-------------£2.50---------------------0%
    227 RexelPink-------------£20.50--------------------0%
    228 JCD_Capulet----------£5------------------------34%
    229 Pip88------------------£20-----------------------0%
    230 samw----------------£31.00------------------------0%
    231 Orange Ena-----------£52.00------------------------0%
    232 timetorebuild----------£225.00------------------------0%
    233 Shinner---------------£175/09------------------------0%
    234 Tink-04---------------£10.00------------------------1%
    235 paintedlady----------£96.00------------------------0%
    236 No bread----------------?------------------------0%
    237 matttye----------------£70.00------------------------0%
    238 Mightyoak---------------£11.00------------------------21%
    239 SketchingKari-------------£3/18------------------------4/4%
    240 Stationery Spender---------?------------------------0%
    241 niknok---------------------£15.00------------------------7/8%
    242 prettyplease-----------------?------------------------40%
    243 porgie1985---------------£24.00------------------------0%
    244 ProtegeMoi----------------£9.00------------------------0%
    245 leictina---------------------?------------------------7%
    246 AGirlWrites---------------£75.00------------------------0%
    247 Kettlenic------------------£35.00------------------------0%
    248 Howster75-------------£90 & £27/50------------------------0% & 0%
    249 LittleMissKitty-------------£153.00------------------------100%★
    250 anthdci---------------------£100.00------------------------0%
    251 squeeeek-------------------?------------------------100%★
    252 lashie---------------------?------------------------23%
    253 WifeandMummy-------------£35.00------------------------4%
    254 LoveaDove---------------------?------------------------30%★
    255 pozza_73--------------------£80.00------------------------0%
    256 savingsassy------------------£31.00------------------------0%
    257 JunkFairy---------------------£70.00------------------------0%
    258 Trapezius---------------------£6.00------------------------7%
    259 Silver_Lining----------------£69.00------------------------0%
    260 elly68------------------------£30.00------------------------2%
    261 How Did That Happen-------£80.00------------------------0%
    262 clippy-girl---------------------£49/2------------------------100%★
    263 jem1276---------------------£109/3------------------------0%
    264 Kez1983---------------------£150.00------------------------0%
    265 roxy7699---------------------£19.00------------------------15%
    266 Lollieinbloom-----------------£32/5------------------------5%
    267 LifeasMe---------------------£275/76------------------------0%
    268 sachatith---------------------?------------------------44/91%
    269 littlepinkstars----------------£74.00------------------------1%
    270 iammumtoone---------------------?------------------------1%
    271 frugaldubs---------------------£150.00------------------------0%
    272 Lookingtobrighterthings---------------------?------------------------6%
    273 buddiebabe---------------------?------------------------54%
    274 ellieandie---------------------£53.00------------------------3/5%
    275 TripsandSmiles---------------£21/27------------------------2/5%
    276 kevvlar---------------------?------------------------33%
    277 MissyMae---------------------£16/5------------------------0%
    278 Ellie BB--------------------------?------------------------5/19
    279 jojitsui----------------------------?------------------------5%
    280 Mon10------------------------£176.00------------------------0%
    281 Tathie-----------------------------?------------------------16%★
    282 Charleybear---------------------?------------------------4%
    283 moneysavingmomma---------?------------------------2%
    284 glassy2010---------------------£103.00------------------------5%
    285 Broke Kitty---------------------£35.00------------------------0%
    286 Keza197130---------------------£10.00------------------------0%
    287 MrsG 2006---------------------£160.00------------------------0%
    288 millionaire-to-be---------------£5.00------------------------0%
    289 mummy18---------------------£160.00------------------------10%
    290 flamingo747---------------------£21.00------------------------0%
    291 sure, new name----------------£4.00------------------------0%
    292 Maisie M-----------------------------?------------------------5%
    293 JayneC---------------------------£115.00------------------------0%
    294 allybee101---------------------------?------------------------67% ---- START OF 2014
    295 Esme2014------------------------£58/07------------------------0%
    296 29Found-------------------------27 & 80------------------------0% & 0%
    297 ska1982----------------------------?------------------------15%
    298 lisanb79--------------------------£80.00------------------------0%
    299 busybumblebee---------------------?----------------------26%
    300 nattiecake-------------------------?------------------------2%
    301 Kirstybean-----------------------£57.00--------------------0%
    302 SkinnyLatte----------------------£12/8---------------------59/8%
    303 One Step Forward-----------------?------------------------9%
    304 Foxglove---------------------£60.00------------------------0%
    305 niksyg-------------------------£13/8------------------------28%
    306 Katey1980---------------------?------------------------------0%
    307 H.Ed------------------------£33/£18/£14--------------------0% & 0%
    308 crazy-lady2009---------------------?------------------------0%
    309 laurag89---------------------£150.00------------------------0%
    310 emsikins---------------------?--------------------------------5%
    311 cantfindafreeuserid---------------------?--------------------1%
    312 Ryan_f-------------------------£21.00----------------------------0%
    313 Stebo730---------------------£56/32------------------------1%
    314 notenoughcash----------------£76/32------------------------0%
    315 Trixxibell-------------------------?---------------------------64%
    316 idristhedragon----------------£34.00------------------------3%
    317 shelly osborne----------------£75.00------------------------4%
    318 k3olly--------------------------£10/73------------------------0%
    319 knittage-----------------------------?------------------------94%
    320 redkelly------------------------£15.00------------------------6/7%
    321 charlieyates---------------------£15/77------------------------1/35%
    322 ceo-------------------------------£300.00------------------------0%
    323 rokat-----------------------------£5.00------------------------3/5%
    324 sonas_baby---------------------£49.00------------------------7%★
    325 milky1991-----------------------£10.00------------------------92/2%
    326 DeafLeopard---------------------£4/39------------------------3%
    327 NHS Worker Bee----------------£30.00------------------------38%
    328 nolongerindenial----------------£10.53------------------------0%
    329 GaLa15------------------------------?------------------------29%
    330 smg61-------------------------£82.00------------------------34/77%
    331 Unethical---------------------£162/72------------------------0%
    332 grassgirl---------------------£75.00------------------------9%
    333 Jay125---------------------£60.00------------------------0%
    334 Graciefileds---------------------?------------------------25%
    335 DivingMad---------------------£58.00------------------------0%
    336 DippyKitty---------------------£9.00------------------------0%
    337 foolsgold01---------------------£7.95 and £29.50--------------0%
    338 Essex Babe---------------------£5.00------------------------1%

    updated to new thread post no #1219 pg61 ☆★
    Last edited by Little Miss Uni-Debt; 29-11-2015 at 4:19 PM.
    Total@ LBM - Nov07 £14k - Nov 08 £5765 - Aug 09 £3k Dec 09 £998 - May 11 £6900 - Jun 12 £8k Sept12 £7k 19.5k Done - 0k to go
    DEBT FREE! Nov 15
    Proud DFW Club Member - #1073
    '1% at a time' Member - #1!
    • Little Miss Uni-Debt
    • By Little Miss Uni-Debt 1st Mar 13, 8:19 AM
    • 832 Posts
    • 2,875 Thanks
    Little Miss Uni-Debt
    • #3
    • 1st Mar 13, 8:19 AM
    • #3
    • 1st Mar 13, 8:19 AM
    OFFICIAL ‘1% at a time’ LIST
    100+ ways to make your 1%

    Print out the list!
    Circle ones you definitely can do, cross out ones that don’t apply, put a star by the ‘maybes’.
    Don’t forget some can be repeated & some will earn more than 1% for you.
    Get Started!
    Selling – Making money from things you already have.

    What to sell…

    Check your loft, car, shed, under stairs, storage, garages for anything unused then decide where to sell it using the ‘Where to sell’ list below.

    1. Clothes – Get cash for your clothes by the kilo – also local drop off stores are available.
    cashforclothing (50p per kg)
    jendacollections (40p per kg)
    sellmyclothes (£1+ per kg + free collection)
    returntoearn (60p per kg)
    clothesbank (60p per kg)

    2. Precious Metals - Gold, Silver & Platinum – Check prices paid on postal gold websites, e.g. cashforgold, Hatton Garden Metals, Cash4Gold or your local gold exchange or jewellery shop.

    3. Collectables - coins, stamps, china, ornaments, beanie babies, Yu Gi Oh, Pokemon cards.

    4. Baby & Maternity items – Netmums or other parenting forums. Don’t forget children out grow their shoes while they’re still in good condition.

    5. Expensive Electronics - Ipods, straighteners, Consoles, laptops etc. Even broken items still fetch £'s as people use them as spares/repair

    6. Books - Amazon Trade-in, Green Metropolis, Zapper, FatBrain, WeBuyBooks. Try BookBarn/Abe Books for rare or sought after books.

    7. Media – Sell CDs, DVDs & Games - MusicMagpie, CashConverters, CEX/WeBuy

    8. Foreign Currency – Make the most of the change left over from holiday. e.g. Cash4Coins

    9. Scrap Metal. Collect any scraps from your shed, garage, off cuts from plumbing, boiler replacements or house renovation. Take it to a local scrap yard, get cash based on the weight & metal type. Don't forget to take ID.

    10. Musical instruments These often can be sold to a local music store, on eBay or Gumtree, listed as ‘buyer collects’ to avoid posting expensive fragile items.

    11. Mobile phones – Trade in old mobiles, shop around for the best price for your model. E.g. Envirofone & Mazuma.

    12. Large Items - unused cars, bikes, gym equipment, golf clubs & bags, working white goods replaced when upgrading, furniture. You also get the added bonus of extra space.

    Where to sell...
    • Car boot, Village Halls, Fayres, Craft shows
    • EBay - Use free listing weekends. Even random things sell! Best time for listings to end is between 8pm and 10pm on a Sunday.
    • Gumtree
    • Local Paper
    • Freeads
    •, Amazon marketplaces/trade-in.
    • Notice boards at work, schools or village halls
    • Online classifieds or online version of your local paper – e.g. & pick your county.
    • Freecycle – Although most items here are ‘free to a good home’ some ads do ask for a donation/price
    • Craigslist – Although US based, it still works if you are selling digital services. e.g. music tuition via Skype.
    Earning – Requires investing your time to earn. Making your own products or providing a service to earn extra in your free time.

    13. Overtime Picking up extra hours at your existing job is the simplest way to ‘up your income’.

    14. Part time work Bars, nightclubs, evening factory shifts, cleaning, catalogue delivery all have flexible hours. Use to search for local p/t jobs.

    15. Feedback for Developers & lets you become a beta tester for new websites that are being built. You report any errors, bugs and your opinions. Get paid $10 into your PayPal for 15 min reviews.

    16. Crafting - Quilts, Greetings cards, face painting, temporary tattoos, party bags, hampers, nappy cakes, invitations, hair accessories, bath bombs, cross-stitch cards (ask 415SanFran & CraftingMad). These can be sold on Folksy, Etsy, your local Facebook group, Gumtree or at local events.

    17. Freelancing – Use your skills and earn money proofreading, completing data entry, CV & article writing. Also good for anyone with artistic, technical or specialist skills. & ODesk are busy workplaces where you can bid on jobs.

    18. Pocket Money Freelancing. You can offer ‘gig’s on Fiverr, FiveSquids. Where you offer a simple service for a flat fee.

    19. Affiliates. Lots of websites run affiliate schemes. You get a commission any time you help the company to make a sale. Create an affiliate site (ask Little Miss if you need any help)

    20. Competitions - see competitions board

    21. Local Errands - Dog walking, house sitting, , lawn cutting, errands, car washing, ironing, tutoring, music lessons, Avon, hosting makeup, underwear parties

    22. Check-in Apps Use QuidCo app when out shopping; get 10p or 15p for every shop you check into.

    23. Change - Look for cash on the ground. If out in a pub, notes are usually found by on the floor by the bar or by the fruit machines. Take to the police station, leave your name & address. If it's not collected, it legally becomes yours.

    24. Shopping Checks - Use the FieldAgent app, get paid around £7 for every price or store check your do.

    25. Mystery Shopping / Dining

    26. Baking - Cupcakes, cake-pops, wedding cakes. Ideal for parties, country fairs etc

    27. Local Businesses – Try to strike up a relationship where you get a commission for any sales you refer. Your local gym often has this scheme in place already.

    28. Typing – TV subtitles and Film ‘closed captions’ can be done from home.

    29. Plants - Germinate seeds & sell as plants

    30. Writing - If you have experience in a particular subject or niche, write an e-book an sell it online (Ask Little Miss if you need help)

    31. Reviews & Surveys - DooYoo, Ciao, Valued Opinions, Swagbucks, Pure profile, My Survey, Superpoints, Maximiles, One Poll, Global Test Market, SlicethePie, YouGov, Royal Mail Surveys

    32. Focus groups - for teaching staff.

    33. Bank Accounts - Switch to a Halifax Reward account & get £5 pcm

    34. Peer to Peer Lending. If you have savings you could consider using sites like Zopa. Lenders earn better interest on their savings. Borrowers get cheaper loans

    35. Government Funding If you're creative and are working on an expensive project that benefits your community - consider applying for National Lottery Funding. Thousands of projects a year are funded. Also look at Business Link they give details for grants and funds to support people in certain areas. May be useful for people wishing to study, start a business or get skills training.

    36. ‘Risk Free’ Gambling – Please do plenty of research before starting, follow the guides & never deposit more than you can afford to lose. Matched Betting has an MSE guide. Wahoo Bingo & Bingo referrals have also been mentioned.

    37. Cash - Purge your money boxes, tins, old accounts, car ashtrays & down the back of the settee.

    38. Video Clips – Instead of uploading your funny moments to YouTube, send them into You've been Framed & potentially get £250

    39. Internet Researcher - Join AQA ( when they are recruiting. Answering questions from home on your PC

    40. Lodgers – Advertise your spare room or home on if you are looking for a permanent lodger or on AirBnB if you’re happy for guests to pay to stay occasionally. Ideal if you live close to big cities, convention centers, music venues or tourist locations

    Saving– Finding ways to minimize the expenses you already have.

    41. Clubcard - Use clubcard coupons for grocery shopping, save the cash.

    42. Cashback - Use cashback websites before shopping online - TopCashBack, Quidco

    43. Promo Codes - Use Hot UK Deals to search for promo codes before buying online

    44. Budget - Re-do your SOA to see if you can save an extra percent each week/month out of your budget

    45. Direct Debits - Check your direct debits are all correct, cancel any un-used ones & put cash aside

    46. Payment Protection Insurance (PPI) - Follow the simple MSE guide to see if you were mis-sold. Consider that it may have been added to any mortgage, loans, car finance, credit cards without you knowing.

    47. Bank charges - follow the guidelines on MSE use the letter templates. Get charges returned.

    48. Birthdays & Christmas Politely request cash instead of presents. You could also request specific useful items that you would need to buy anyway – then save the cash.

    49. Insurance – An expensive essential. Shop around for house, car, life, holiday, mobile phone, business - or any kind of insurance on comparison websites.

    50. Returns - Take back any impulse purchase while there's time

    51. Faulty products. Don’t forget many electrical items have long warranties. Save buying a new one.

    52. Transport - Find free car parking and then walk the last bit into work.

    53. Buses - walk an extra 1 or 2 bus stops to decrease the fare or for short journeys walk it all

    54. Lunches - Invest in a coolbag & take packed lunches.

    55. Daily Spends - Avoid taking cash to work

    56. Snacks - Pre-buy snacks/cans to avoid the vending machine prices at work

    57. Dentistry - Go to a local dentistry college to avoid expensive treatments

    58. Hair & Beauty - Go to local beauty college for lower cost treatments

    59. Groceries - Look at Grocery challenges & recipes to get better value for your weekly shop

    60. Credit cards - Balance transfers to 0% card will save you interest

    61. Avoiding Interest – If you have a close relative who is in a position to lend you money, even if just for 1 debt, the debt becomes interest free.

    62. Clothes - Swap clothes on my ‘Big Wardrobe’ instead of buying new

    63. Car Repairs - Do some googling - check if what needs to be fixed is a common problem which should be fixed at no cost by the dealership.

    64. Days Out - Use Clubcard rewards for days out tickets instead of cash

    65. University - Check any local bursaries available to help with fees

    66. Loose Change - Ask pubs & shops to change coins instead of paying 8% fee to use CoinStar machines. HSBC also have free coin paying in machines

    67. Snowball - Pay off your highest interest debt first. Use the online snowball calc.

    68. Loans - If you definitely need a loan contact your local credit union for cheaper than bank rate loans

    69. Utilities - Shop around for cheaper gas & electric suppliers. Also works with phone & internet providers too.

    70. Holidays - Use the MSE ‘flight-checker’ to find for low cost flights

    71. Bills - Give correct Gas, Electric readings to the Utility company instead of going on their estimates. If they have been overestimating it will put your account in credit.

    72. Government Allowances - Check those retired in your family are receiving winter fuel allowance.

    73. MSE Challenges - Join in with the 'NSD' or 'PAD' challenges or start a spending diary.

    74. Reduced Items - Shop at the end of the day. Supermarkets marks down products at different times - Morrisons - around 6pm, Tesco - around 7pm

    75. Supermarket Shopping - Some delivery slots are cheaper than bus fare or a petrol thirsty car

    76. Books - If you have a Kindle, iPad or iPhone there are a million free books to read on Amazon - to save buying full price paperbacks

    77. Entertainment - Reduce your Sky package - get Freeview

    78. Loyalty Points - Cash out your Boots, Nectar or other loyalty points for your next purchase

    79. Monthly Payments – These are long term savings. You often pay 10% extra to pay your car insurance or TV license monthly. Start saving an extra monthly payment & pay the yearly fee at renewal time

    80. Groceries (Shelf Life) - Consider shopping with Approved Foods (VERY cheap online shopping for short date food)

    81. Groceries (Best Prices) - Use MySupermarket to find the lowest cost groceries

    82. Transport - Trade down to an economical 2nd hand car - can save hundreds in car tax & hundreds in petrol

    83. Music - Use ChartBrain or on your computer instead of buying new albums/music

    84. Appliances - Use Freecycle to pick up replacement washers, freezers etc for free!

    85. Opticians - Shop online to save on contact lenses or glasses. Just use the details on your prescription from the optician. If you use a computer at work check if they have a scheme to reimburse the cost of your eye test.

    86. Expenses - If you claim expenses from your employer, become strict about getting, keeping and collecting your receipts safely. It all adds up.

    87. DIY Repairs - If your washer breaks use for instructions on simple repairs

    88. Council Tax - Check your council tax is in the right band using the MSE guide

    89. Phone Calls - Don't pay for expensive calls to banks etc - use the SAY NO TO 0845 for well hidden freephone numbers

    90. Groceries (Brands) - Do the "drop a brand" challenge. Shopping one brand lower on all your items than usual, to see what you save

    91. Fuel - Drive economically to save fuel (gradual acceleration & breaking). There are smartphone apps that grade your driving ability after each journey.

    92. Benefits – Use the ‘entitled to’ benefits checker to ensure you are getting what you should be.

    93. Car Insurance – For 'young persons' car insurance, go with an insurer that uses the 'telemetry' black boxes.

    94. Pet Food – Buy dry pet food online, in bulk to save money.

    95. Utilities – Switch to direct debit, an eco tariff, get both from the same supplier (dual fuel) Also some suppliers’ link your utilities spend to your Tesco Clubcard allowing you to collect more rewards.

    96. Bills – Some companies are now charging for paper statements. Switch from paper (£1.50 per bill) to e-statements.

    97. Trains – Use the MSE 'TicketySplit' app, or for frequent journeys get a RailCard

    98. Kids – Check out the MSE Summer Holiday tip page & also the “Free ways to entertain the kids” forum thread, to find fun, free things to do.

    99. Foreign Currency - Use the MSE Travel Money checker

    100. MSE Weekly E-mail – Sign up & get the latest, time-sensitive deals, offers and tips.
    Last edited by Little Miss Uni-Debt; 06-12-2013 at 2:46 PM.
    Total@ LBM - Nov07 £14k - Nov 08 £5765 - Aug 09 £3k Dec 09 £998 - May 11 £6900 - Jun 12 £8k Sept12 £7k 19.5k Done - 0k to go
    DEBT FREE! Nov 15
    Proud DFW Club Member - #1073
    '1% at a time' Member - #1!
  • FallenArcher
    • #4
    • 1st Mar 13, 9:37 AM
    • #4
    • 1st Mar 13, 9:37 AM
    Hello! How exciting to have a new home LMUD

    When you get round to adding members can you put me as 42.5% please - I've just managed to make a payment of 1.5% - this was through it being a non-pay month for council tax and water rates (had budgetted for both) and a little bit of ebay selling. I was a bit slow over February so I'm hoping to pick it up again now. Looking forward to trying out some different ways to generate extra debt payments. Good luck everyone, let's bust those percents!
    Total money owed: 31/07/11- £17,877, LBM - 14/10/12 , 01/06/13 - £0 DEBT FREE!!!!
    New challenge- save an extra £5000 from non-salary -£1600 (32%)
  • 415SanFran
    • #5
    • 1st Mar 13, 9:41 AM
    • #5
    • 1st Mar 13, 9:41 AM
    Hi can you make sure to remember me on the new list please.
    Still stuck, but trying hard, lots of little things coming together soon. I hope!
    Ebay 13 ........1583.46/2000.00 Amazon sales 54/50 Etsy sales 63/50
    Amazon 14.......4/50 Etsy14............46/75. Ebay........23/200
    • Little Miss Uni-Debt
    • By Little Miss Uni-Debt 1st Mar 13, 10:34 AM
    • 832 Posts
    • 2,875 Thanks
    Little Miss Uni-Debt
    • #6
    • 1st Mar 13, 10:34 AM
    • #6
    • 1st Mar 13, 10:34 AM
    Yes, I shall be doing a full update from both the old thread and any new updates posted here too.

    So post up your updates to make sure I have your most recent totals
    Total@ LBM - Nov07 £14k - Nov 08 £5765 - Aug 09 £3k Dec 09 £998 - May 11 £6900 - Jun 12 £8k Sept12 £7k 19.5k Done - 0k to go
    DEBT FREE! Nov 15
    Proud DFW Club Member - #1073
    '1% at a time' Member - #1!
  • Rushy
    • #7
    • 1st Mar 13, 12:00 PM
    • #7
    • 1st Mar 13, 12:00 PM
    Hi again everyone! Shiny new thread for us, hopefully it will give everyone a boost.

    #197 reporting 49% for the new thread!
    '1% at a time' Member - #197
    1% = £25.......63% Complete

    1 lb at a time for 2013 (1/8) 12% Complete

    • liz-paul
    • By liz-paul 1st Mar 13, 12:01 PM
    • 895 Posts
    • 4,806 Thanks
    • #8
    • 1st Mar 13, 12:01 PM
    • #8
    • 1st Mar 13, 12:01 PM
    Would just like to declare another 1% bringing me to 17% now.

    For anyone who's struggling to make bigger amounts I thought I'd break down how I made this £80 from little amounts: £25 - selling gold ring, £10 - unexpected payment from client, £20 - saving £1 coins in a money bag over Jan/Feb, £4.58 - music magpie, £3.78 - Quidco payment, £13 - interest from savings account from last few months, £3.64 - made up to £80 from my current account.

    See how all these little things added up. Don't lose heart if your not making the big amounts, I could have spent all of thos tiny amounts without noticing but because I saved them it added up in the end.
    1% at a time no. 40. £8000 (For dream family holiday) 94/100
    MFW 2013 no. 62 £10,000/£10,000
    MFW 2014 no 62 £8000/£7000
    • youareallhelpingme
    • By youareallhelpingme 1st Mar 13, 2:07 PM
    • 1,056 Posts
    • 3,834 Thanks
    • #9
    • 1st Mar 13, 2:07 PM
    • #9
    • 1st Mar 13, 2:07 PM
    Member #177 - finally able to post an update!!!!

    LMUD - we finally had the essential building work done and it came to £870. 00. More than we thought but had to be done. The bank of mumanddad funded it and I am paying them back.

    1% = £8.70

    Paid so far £50.00 = 5.7%

    Balance remaining £820.00. I have items on ebay and I'm waiting to hear back about a mobile phone I put in for recycling. I'm using TCN and £co too so hopefully the % will start to increase .
    One small step for ME, one giant leap for my family!

    2015 - my Amazon Gift Certificate mini challenge - saving to buy small household electrical items.
    Total £9.12
    • fantastiyk
    • By fantastiyk 1st Mar 13, 8:26 PM
    • 323 Posts
    • 580 Thanks
    Hi Little Miss Uni Debt,
    I followed your first thread and loved it! It has been really inspiring. I'd like to join in on this one please. The debt I want to clear is £300 so 1% = £3. I am at 20.49% so far.
    Thank you.

    No. 223
    Last edited by fantastiyk; 13-03-2013 at 9:37 AM.
    • Kayleighpea
    • By Kayleighpea 2nd Mar 13, 8:15 AM
    • 508 Posts
    • 1,213 Thanks
    Hi All, happy shiny new thread!

    Number #130 checking in, it looks like my new % wasn't updated on the previous members list so please can you amend LMUD?

    1% = £69, currently at 7%!

    I'm also building up a nice little pot on Paypal from Ebay sales, have got approx 1% sat in there but still have fees to pay so I'm leaving it there for a while until I can build up a bit more, and at least it stops any temptation to just spend!

    Happy percenting everyone
    2019 will be my year!!
    • remote_control
    • By remote_control 2nd Mar 13, 10:02 AM
    • 281 Posts
    • 1,076 Thanks
    More survey money has brought me up to 18%, £180. I'll have to wait for the new list to know my number. Doing well from surveys at the moment. Also made about £1 on ebay...
    • ThriftyFelicity
    • By ThriftyFelicity 2nd Mar 13, 6:05 PM
    • 769 Posts
    • 2,232 Thanks

    1. Surveys: £10 Waitrose voucher now received from Valued Opinions, total £94.22.

    2. Online panels. Joined The Soundboard, hopefully will see some ££ from that.

    3. GPT: Adding £14.40 from Neobux (have made $70 since joining at the end of January ); £12.97 from CantBeatFree; £45 from Swagbucks (£25 Amazon GC + £20 Boots GC for a one-off survey). Total GPT earnings now £201.03!

    4. Amazon selling: Nothing to report.

    5. Coupons: Couple coupons used totalling £1.70, total now £11.85.

    6. Referrals: £9 from VioVet. Placed another order with iHerb using referral credit, but it's not showing in my CC statement yet, so don't know exchange rate, will include it later. Total £44.56.

    7. Homebrew: adding savings of £5.80 from homemade raspberry wine and £1.26 from cider, total now £77.49.

    8. Cashback (new category): £33.75 from Quidco cashback.

    9. Banking (new category): £30.00 from two Halifax Reward accounts (self & hubby) x three months.

    Last edited by ThriftyFelicity; 02-03-2013 at 6:09 PM.
    R.I.P. Bart. The best cat there ever was.
  • NikkeiPositivity
    Hi All

    Nice to see a shiny new thread back where it belongs, I have to say I think we gt a little lost in the diaries section!

    I'm sorry for being MIA as of late, but I'm back to studying and working 6 days means very little spare time! This months pay was down by almost £400 due to repaying study fees and one day sick in January when I had the car crash, so this month is going to be a bit tight. However for the month of February we'e been able to make a bit of headway:

    Number 99 : £1063 paid off = 7.5%

    This is made up of £400 from matched betting and My January and February second jobs pay.

    I've now read The Dave Ramsey book Total Money Makeover and have decided to follow atleast baby steps 1 and 2 and have managed to get an emergency fund setup of £1000 by cashing in our bonds and by moving the pitiful amounts in our Isa's into one account, so going forward will be using my second wage to pay of balances straight away, instead of hanging onto it. I reckon if we can pay off our second overdraft this month then we will be approx £40 better off a month(£15 int on overdraft 1, £10 on overdraft 2, £16 int on credit card now paid off in full) so were getting there.

    Well I think I'm going to have to take myself to bed, I can't stop yawning!!!

    Happy Percenting!
    Nikkei x
    2012 '1% at a time' member 99 - 17% 1% = £167
    2013 '1% at a time' member 99 - 15.8% 1% = £139
    • Shell78
    • By Shell78 2nd Mar 13, 10:36 PM
    • 37 Posts
    • 271 Thanks
    Can I join please?
    Can you add me to the list? I have £14000 debt so 1% = £140

    Barclaycard=£4200/ Next=£0.00/Lloyds overdraft= £1000/Santander overdraft= £550
    TOTAL DEBT = £13750as of November 2012
    TOTAL DEBT = £11620 as of March 2013
    TOTAL DEBT = £5750 as of January 2016
    • teaandcakeaddict
    • By teaandcakeaddict 3rd Mar 13, 8:44 AM
    • 143 Posts
    • 708 Thanks
    Brilliant, a nice new thread. Things have been tight in feb, but we somehow managed to pay 9% off since my last post, putting my credit card debt at..21% PAID!
    Working my butt off to buy the house of my dreams!
  • kittiej
    Hi can I tag along please? I don't really understand the rules but I think I've got a rough idea.

    I have a debt of £2500 for my hubby's car and I want it to be gone asap. The actual payments are supposed to be £70 pw but we overpay and pay £100 (mainly because it's easier to keep track of how much we've paid).

    Once we've got rid of the car debt we can put the £100 pw towards paying off the mortgage - £12k left on that.

    I've got some stuff coming to an end on ebay today so will use that but also I put the odd pence on my bank account into a savings account so would I be able to use that?

    I wasn't sure if the money has to be 'made' iyswim.
    Sealed pot challenge member number 18
    Karma - the consequences of ones acts.
    "It's OK to falter otherwise how will you know what success feels like?"
    1 debt v 100 days £2000
    • liz-paul
    • By liz-paul 3rd Mar 13, 4:27 PM
    • 895 Posts
    • 4,806 Thanks
    Money can come from anywhere - selling stuff, savings on your monthly budgets, earnings, your current account, gifts from others. Absolutely anywhere! Good luck
    1% at a time no. 40. £8000 (For dream family holiday) 94/100
    MFW 2013 no. 62 £10,000/£10,000
    MFW 2014 no 62 £8000/£7000
  • kittiej
    Thanks liz-paul.

    Just made £25 by selling stuff on ebay so that's 1% and I think I might have another £25 in my pennies jar.

    If I have anything left over from my budgets then this will get added once it reaches a £25 sum.

    Glad I can get my payments from anywhere

    OK can I join properly then please? My 1% = £25 and I have 100% still to pay. I will pay a minimum of 4% off or £100 at a time because I need to keep it simple.

    Thank you x
    Last edited by kittiej; 03-03-2013 at 8:03 PM.
    Sealed pot challenge member number 18
    Karma - the consequences of ones acts.
    "It's OK to falter otherwise how will you know what success feels like?"
    1 debt v 100 days £2000
  • kittiej
    I was having a quick look at the previous thread, can anyone explain what the 100 envelopes or paperclips are for please?

    I see the value of having a 100 square chart which is a good idea but I'm a bit confused about the other items.
    Sealed pot challenge member number 18
    Karma - the consequences of ones acts.
    "It's OK to falter otherwise how will you know what success feels like?"
    1 debt v 100 days £2000
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