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  • FIRST POST
    • MSE Martin
    • By MSE Martin 15th Jan 08, 1:31 PM
    • 8,111Posts
    • 42,248Thanks
    MSE Martin
    The Great 'Instant Cash Injection for January' Hunt
    • #1
    • 15th Jan 08, 1:31 PM
    The Great 'Instant Cash Injection for January' Hunt 15th Jan 08 at 1:31 PM
    It’s the classic New Year predicament: people get paid early in December, overspend at Christmas and face a serious financial shortfall come January. The best way to protect your pocket is to budget and spread the cost through the year.

    Yet, sadly, many will still be struggling; so I thought I’d tap MoneySavers for creative ways to get instant extra cash in your pocket right now. The rule is that you must be able to get the cash in your pocket immediately i.e. not have to wait days for it to come through. It can’t involve spending on a credit card, borrowing from relatives or going down the pawn shop. And it must be legal!

    Please post below to share your ideas on how to make instant cash for January.

    This Forum Tip was included in MoneySavingExpert's weekly email

    Don't miss out on new deals, loopholes, and vouchers

    Last edited by MSE Jenny; 15-01-2008 at 7:56 PM.
    Martin Lewis, Money Saving Expert.
    Please note, answers don't constitute financial advice, it is based on generalised journalistic research. Always ensure any decision is made with regards to your own individual circumstance.

    Don't miss out on urgent MoneySaving, get my weekly e-mail at www.moneysavingexpert.com/tips.

    Debt-Free Wannabee Official Nerd Club: (Honorary) Members number 000
Page 1
    • robpw2
    • By robpw2 15th Jan 08, 1:43 PM
    • 12,647 Posts
    • 26,389 Thanks
    robpw2
    • #2
    • 15th Jan 08, 1:43 PM
    • #2
    • 15th Jan 08, 1:43 PM
    make some food, such as bread,cakes, etc and sell them to work collgues.
    Last edited by MSE Jenny; 21-01-2008 at 1:03 PM.


    Slimming world start 28/01/2012 starting weight 21st 2.5lb current weight 17st 9-total loss 3st 7.5lb
    Slimmer of the month February , March ,April
  • dan832947
    • #3
    • 15th Jan 08, 3:50 PM
    • #3
    • 15th Jan 08, 3:50 PM
    Sell unwanted gifts on ebay.
  • mystery07
    • #4
    • 15th Jan 08, 6:22 PM
    • #4
    • 15th Jan 08, 6:22 PM
    Sell unwanted gifts on ebay.
    Originally posted by dan832947
    Or Amazon or QXL or stuff for sale or car-boot or free local ads.
    Last edited by MSE Jenny; 21-01-2008 at 1:04 PM.
  • mystery07
    • #5
    • 15th Jan 08, 6:25 PM
    • #5
    • 15th Jan 08, 6:25 PM
    Or offer cleaning/ironing or car washing to friends/relatives/neighbours in exchange for a few £££.

    Or try matched betting, even if your not serious about it, you can easily make a few hundred very quickly (see the gambling board)
    Last edited by Former MSE Wendy; 22-01-2008 at 8:10 PM.
    • angelflower
    • By angelflower 15th Jan 08, 6:30 PM
    • 2,375 Posts
    • 7,008 Thanks
    angelflower
    • #6
    • 15th Jan 08, 6:30 PM
    • #6
    • 15th Jan 08, 6:30 PM
    good time to look for second job - check out local cafes or chips shops for delivery driver or counter staff.

    Sign up for mystery shopping. Doesnt pay very much but you could have a nice free meal out which will help beat the January blues and will make you feel richer than you actually are!

    Complain about any 'gifts' you recieved over christmas which didnt work or last beyond boxing day. kids toys notoriously break quickly! You may get vouchers or a replacement.

    Sign up and review some music on slice the pie.

    Review your rewards cards and use points for food (sainsburys) or deals (tesco) to help you through the lean period.

    Review what you spend your money on and see if you can reduce your outgoings.....do you really need the full sky package or do you want to put petrol in the car(be aware that you will probably have a 1 month cancellation term).
    DFW 228 LONG H 68
    DFD 2017
    • loumac
    • By loumac 15th Jan 08, 9:32 PM
    • 932 Posts
    • 2,363 Thanks
    loumac
    • #7
    • 15th Jan 08, 9:32 PM
    • #7
    • 15th Jan 08, 9:32 PM
    Only enchoing some of the above but this month in a quest to beat the Jan blues I have:

    - joined the slice the pie challenge and have 20 in my paypal account. Not instant I appreciate but fun, easy to do and a pretty quick method.

    - signed up for mystery shopping and I have my first mission next week.

    - started saving pound coins in (my new [christmas present]) money box - up to 23 already. Not new money I know but this could easily have been frittered away otherwise.

    - used boots points (earnt from buying Xmas presents) to buy my toiletries for the start of the year.

    The challenge will be keeping it up all year......
    [COLOR=black]Wandered away from the MSE track for a while but am back and on a mission! Debts cleared nearly 18k. Now to start saving ...
  • lililou
    • #8
    • 15th Jan 08, 11:21 PM
    • #8
    • 15th Jan 08, 11:21 PM
    Review your cd collection and sell ones on Amazon that you haven't played for ages and probably never will again. I raised £125 in the last month.
    Here come the girls....100% Gorgeous!!!
    • jessicamb
    • By jessicamb 15th Jan 08, 11:23 PM
    • 10,066 Posts
    • 5,985 Thanks
    jessicamb
    • #9
    • 15th Jan 08, 11:23 PM
    • #9
    • 15th Jan 08, 11:23 PM
    No Deposit (Cashcade) Bingo Sites - Post 572 for latest

    Free bingo where you can withdraw any winnings - read the thread for full details.
    The early bird gets the worm but the second mouse gets the cheese
    • jessicamb
    • By jessicamb 15th Jan 08, 11:34 PM
    • 10,066 Posts
    • 5,985 Thanks
    jessicamb
    cancel all the subscription services you have that dont use - sky sports/movies etc. any direct debits/payroll deductions you have had going on for years that are no good/you never use - health plans and the like.
    The early bird gets the worm but the second mouse gets the cheese
  • Ross Patzelt
    Instead of going to the pub on a Saturday night every other week get a pizza and a case of beer in and your usual drinking buddies and play a dvd quiz game you get for christmas it will save you a load of money that you would of spent on buying rounds.
    • luxor4t
    • By luxor4t 16th Jan 08, 10:03 AM
    • 10,297 Posts
    • 37,132 Thanks
    luxor4t
    List unwanted paperbacks on Greenmetropolis.com: you make 3 per book sold. As you have to meet the p+p it makes sense to list thin ones or the extra large size which attracts an extra allowance. You can buy at 3.75 (no extra p+p). This has been a nice steady earner / money saver in 2007.
  • carter2901
    Thanks luxor4t - I've promised myself that I'll go through my shelves this month, so can raise some cash as well!

    If you enjoy / don't mind doing online surveys, try

    http://uk.lightspeedpanel.com

    You can earn points for each survey you complete (there's a prize draw as well); these vary but average about 1 per survey. You can trade your points in for various things, but I usually exchange points for cash into my PayPal account (115 points per 1).
  • philneedham
    Hi

    I'm interested in the lightspeed thing but couldn't see anywhere to register on the web site.

    Can anyone let me know.

    Also, any sites to register for the mystery shopper thing?

    Cheers

    PN
    • tinkerbel
    • By tinkerbel 19th Jan 08, 3:30 PM
    • 1,787 Posts
    • 4,903 Thanks
    tinkerbel
    lightspeed
    hey, you just put your details in on the homepage that the above poster said and then you register. they need your email address as thats the way they send you surveys etc.
    If you're a pigsback member though, or if you're interested in becoming one, i think you can get 100 or 200 (worth 1 or 2 im just not sure off the top of my head which amount is right) points for joining through them, so that might be worth looking at!
  • Lillibet
    Take half a day to go through last years' financial records, check DD's, update utility companies with meter reads, re-assess your budget & generally make sure monthly expenses don't exceed monthly income. If necessary draw up & STICK TO a short/long action plan to deal with debt & overspend.

    HTH
    Post Natal Depression is the worst part of giving birth

    In England we have Mothering Sunday & Father Christmas, Mothers day & Santa Clause are American merchandising tricks Demonstrate pride in your heirtage by getting it right please people!
    • josie
    • By josie 20th Jan 08, 4:57 PM
    • 3,046 Posts
    • 17,869 Thanks
    josie
    Hi

    I'm interested in the lightspeed thing but couldn't see anywhere to register on the web site.

    Can anyone let me know.

    Also, any sites to register for the mystery shopper thing?

    Cheers

    PN
    Originally posted by philneedham
    I couldn't find anywhere to register on it either - went through pigsback, but looks like you can't use the link to that as it's personalised - but it does bring up a page on which to register instead of just the log in page.

    Here's the one for pigsback (it's 200 points)

    There's a whole 3 threads on mystery shopping, but if you read the first page on this one, it'll tell you about which companies to join.

    http://forums.moneysavingexpert.com/showthread.html?t=614705

    HTH
    • theboylard
    • By theboylard 21st Jan 08, 10:13 AM
    • 1,162 Posts
    • 2,805 Thanks
    theboylard
    cancel all the subscription services you have that dont use - sky sports/movies etc. any direct debits/payroll deductions you have had going on for years that are no good/you never use - health plans and the like.
    Originally posted by jessicamb
    Just be careful on this one!!!
    Before Christmas, I was bemoaning the fact that we pay 195/year to Benenden Health (old Civil Service scheme) and have never used the services.
    I go to the doctors last week, who tells me that I have a problem that can only be rectified by surgery.
    We make an appointment on line with a consultant, wait months and that was that - or so I thought.
    My wife rang Benenden and they said they can help on the costs and as it's not a major op should be covered at a private Nuffield hospital!!
    • liam_h
    • By liam_h 21st Jan 08, 12:17 PM
    • 199 Posts
    • 73 Thanks
    liam_h
    Thanks for the info about the selling books. Think my GF will be very interested in that!

  • I_M_S
    Not really a making money thing this - but it gives an instant cash injection
    Take your salary - divide by 11 and save that amount each month from Feb - it will be hard (especially just before christmas!) but its like having an extra pay day come mid january just in time for the sales!
    I've never really saved at all but this year I'm aiming to do this even if i save nothing else at all!
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