5 Ways to Make Extra Money in Time for Christmas

With just over 10 weeks left until Christmas, I’m sure we’re all looking for a way to stretch the budget that little bit further. I have quite a few posts with a number of different ways to save money, but sometimes cutting back just isn’t enough. What do you do when you have reduced your spending all you can and you’re still not quite sure how you’re going to pay for Christmas? You add a little bit more money to your budget!

Today I am sharing 5 ways to make extra money, that take little, to no effort. Be warned, none of these will earn you big bucks, but they can help you pay for Christmas this year.

  1. Swagbucks – Swagbucks is an awesome site that offers aswagbucks-share-1480-v2 variety of rewards for doing simple activities online, some of which you probably already do, such as searching the web or online shopping. In exchange for doing these activities, you receive “points” that are referred to as Swagbucks. You can then exchange these Swagbucks for a range of different gift cards. To sign up for Swagbucks click here, and we will both receive a bonus 500 Swagbucks.
  2. Cashrewards – I mentioned Cashrewards in my Another 5 Ways to Save on Groceries post. It’s a great site that allows you to receive cashback on online purchases you make. It’s simple to use, you just sign up, search for the store you’re looking for and then shop online as normal and wait for your cashback to arrive. There are over 1,000 stores including ASOS, eBay, and my favourite, Woolworths. Cashrewards also gives you access to exclusive savings, coupons, offers and discounted eGift cards. To sign up for Cashrewards click here, you’ll get a $5 bonus in your Cashrewards account, and because I referred you, so will I.d2121a19aad84e729ca1c67de5c1c150-fe4e1edfbda84da984bd4464da944379_facebook_share_jpg
  3. PricePal Pricepal is another site that allows you to receive cashback on online purchases. Again, it’s super simple to use, just sign up, search the store you are looking for, click the link and make your purchase. Pricepal offers both cashback and discounts from shops such as Big W, Chemist Warehouse and Groupon. To sign up for PricePal click here, we’ll both receive a bonus $5 when you earn $5 cashback.
  4. Woolworths RewardsWoolworths Rewards is something I think most people know about, but not everyone cashes in on. It’s simple to use, you just sign up, scan your card every time you shop and then you earn 1 point for every dollar you spend in store and online at Woolworths supermarkets, BWS and Caltex Woolworths fuel outlets. You will also receive exclusive offers, bonus points offers and instant savings. Each time your balance hits 2000 points you will automatically save $10 on your next shop, or you can bank your savings for Christmas. To sign up for Woolworths Rewards click here5 Ways to Make Extra Money in Time for Christmas (1)
  5. Flybuys Flybuys is another loyalty program I think most people are familiar with, but again not everyone utilises. It’s similar to Woolworths Rewards, in that all you do is sign up and scan your time when you shop, but instead offers points, exclusive deals, bonuses and savings from a wider range of partners that includes Coles, Kmart and Target. Flybuys also offer a variety of rewards, from flybuy dollars (which can be used for in store purchases),  appliances and movie vouchers. To sign up for Flybuys click here.

So there you have 5 ways to make a little extra money in time for Christmas. Have you already started buying Christmas presents? Or is leave it to the last minute more your style? I’d love to hear in the comments.

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5 Tips for Living on a Single Income

At the moment my family are living on one income while I’m studying at University. While we are definitely not rolling in it, (There’s a reason I write about how to live a great life on a budget!) we make do, and never really feel like we are going without. I thought this week I would share some of my suggestions for making life on one income a little easier.

  1. Needs versus Wants – It’s so easy to get caught up in all things you think you have to have these days. But how many of them are really necessary? Sit down with your partner and figure out what things are needs and what are simply wants, and then make cuts to your budget where you can. Figure out what your family can live without and go with it.
  2. Set yourself limits – If there’s something you know you can’t all go without absolutely, but that is definitely more of a want than a need, try just cutting back. Set yourself limits on frivolous spending and stick to them. You can still have your cake and eat it too, just be sensible about it.
  3. Make sure everyone knows your budget – Sometimes when I think I have all the numbers figured out, my husband throws a spanner in the works by telling me he needs money for soccer or something I didn’t know about. After a few (maybe several), conversations about how I can’t just make money appear, he now knows to give me advance warning for such things so I can include them in our budget. I also try and make sure he knows what bills and things we have coming up, so it isn’t a complete surprise to him when I tell him there’s no spare money for something one week. Living on one income is much easier when we’re both on the same page as to where we are up to with our budget.5 Tips for Living on a Single Income 1
  4. Track your money – It’s easier for money to be frittered away when you don’t know exactly where it’s going. Keeping track of what you’re spending your money on will allow you to identify any problems as they arise, so you can work out a solution. The upside of living on one income is there is less money to keep tabs on.
  5. Remember why you’re doing it – When the bills are flying in and it all seems like too much, remember why you are doing this. Maybe like me you’re studying to better yourself and further your career. Or maybe it’s important to you for you to be at home with your babies. Whatever the reason, focus on that, and I am sure you will figure it out. If you need more  hints for living on a budget, take a look at my posts with ways to save, or some of my budget-friendly ideas.

What’s your best advice for living on a single income? I’d love to hear it in the comments.

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5 Ways a Spring Clean Can Help You Save Money

A few weeks ago I posted 5 Ways to Save This Spring, but did you know a good Spring Clean can be good for your budget too? Today I am sharing 5 ways a Spring Clean can help you save money. To see my other posts with ways to save click here.

  1. Clean your appliances – I mentioned in my spring ways to save post, now is the time to clean and service your air conditioner to prepare for the coming months and help keep you electricity bill down. The same goes for other large appliances. Giving your fridge (especially the vents), dishwasher and washing machine a thorough clean (check your instruction manuals for instructions), will help lower your energy costs and save you money.
  2. Dusting – This one is especially important if you or your family members suffer from health issues such as asthma or allergies. Dirt, dust and mould build up during winter triggering such ailments. Giving your house a good old dust can help relieve these types of health conditions, which in turn, means less money spent on medicines and medical treatments. I’m not saying it will solve all your health problems (and I am definitely not a doctor so do make sure to follow your health care professionals advice!), but every little bit helps.
  3. De-clutter – This isn’t as much a way to save as a way to make a little extra money. We all have things in our home we no longer want or use for whatever reason. Why not sell them and make yourself some cash? You can list items on your local buy, swap and sell pages, Gumtree or eBay. Added bonus, having less stuff in your home means less stuff to clean!
  4. Organise – Having a place for everything, and everything in its place, makes life so much easier to find things. When we first moved in together, I can’t tell you how many times my Husband swore we were out of something I was sure we had, gone out and purchased more, only for me to find an excess of it tucked in a drawer or cupboard somewhere later. These days he knows where most things in our home live and we no longer end up with 62 million rolls of sticky tape lying around.
  5. Clean out your car –  Did you know that carrying extra weight in your vehicle actually increases fuel consumption? Driving around with things you don’t need in your car, like 62 million toys in the back seat, unnecessarily raises your vehicles weight and uses more fuel per kilometre. Clean your car out of anything you don’t need and save yourself some dollars. Side note: does anyone else’s child just HAVE to take a toy with them, you know. in case they get bored or something, where ever they go and then just leave them in the car? No? Just mine then.

So there you have 5 ways a Spring Clean can help you save money. Do you Spring Clean your home and if so, do you find it helps save you money? I’d love to hear about it in the comments.

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5 Ways to Save This Spring

Today is the first day of Spring! This year is just zipping by so unbelievably fast. As scary as that is though, I  must admit I am looking forward to some warmer weather. I don’t hate Winter but by the end I am definitely glad to see the back of it. Today I am sharing a few tips to help you save as the weather warms up again. To see my other posts with ways to save click here.

  1. Make your own cleaning products  – The start of Spring means it’s time to give the house a good old Spring Clean. Store bought cleaners are generally full of nasty chemicals I don’t want in my house, and can cost a small fortune. Home-made cleaners are much  less toxic and far cheaper. Save yourself some money by making your own cleaning products. If you’d like a post with some of my favourite homemade cleaners let me know.
  2. Plant a veggie garden – This isn’t something I have ever done very well with. I am by no means a green thumb, but if you are, plant yourself a lovely little garden now and reap the rewards in the coming months. Things always taste better when they are homegrown!
  3. Clean your air conditioner – While we might not be up to turning the air con just yet, those hot days are coming! Do yourself a favour and prepare now by giving it a thorough clean (check your manual for instructions). This will help save your power bills when the temperature soars.
  4. Dry your laundry outside – I mentioned in my very first ways to save post that skipping the dryer and hanging your clothes out to dry will help you save but sometimes in winter the sun just isn’t up to the job. As it gets warmer and the days get longer, take advantage and save your power bill by drying your washing outside.
  5. Get Outside – In Winter, when it’s cold and dark outside, it’s lovely to snuggle up on the couch for an evening of Netflix. Take advantage of the extended evenings as the days get longer, turn the TV off and get outside. Have a BBQ, go for an evening walk, watch the kids play. It’s only a little thing, but it will save you a bit in power, which will add up over time.

So there you have 5 Ways to Save This Spring. What are your best tips for saving money as the weather warms up? I’d love to hear them in the comments below!

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Another 5 Ways to Save on Groceries

A month or so ago, I noticed our grocery bills had been slowly rising. To be fair, we had been celebrating a few birthdays and special occasions, (including the week of beef), so I  had been expecting to exceed our budget a little bit some weeks, but we seemed to be going over most weeks. I decided I needed to rein our spending back in, before it got out of hand. I’ve written before about ways to save on your groceries and today I thought I would share a few more of the ways I save money at the supermarket, including some I’ve only just started using. To check out some of my other posts that include ideas for ways to save click here.

  1. Meal Plan – Those of you who have been following my blog for a while will know I’m a huge fan of meal planning. If you’ve only recently found my blog you can check out my weekly meal plan posts by clicking here. Making sure I know what we’re going to eat each night for the coming week saves me making random purchases and hoping for the best. To find out more about how I meal plan each week check out this post.
  2. Write a shopping list (and remember to take it) –  It’s all well and good to have a meal plan but you also need to know what you need to pull that plan together. Check your pantry and fridge for what you need for the coming week before you head to the supermarket and try to stick to it. I like to use a list app on my phone to make sure there’s no chance of me leaving it at home when I go to the shops.
  3. Buy in Season –  I know this idea won’t work for everyone (especially if your family are as picky as mine about eating anything that resembles a plant) but it is much cheaper to buy fruit and vegetables that are in season than it is those that aren’t. They are usually fresher too as they haven’t been sitting in storage during transport from wherever they have come from. As a rule of thumb, fruit and vegetables that are in season should cost no more than $4 per kilo. Side note: If you have any hints or tricks for getting your family to eat more vegetables I’d love to hear them.
  4. Shop online – This one has been a fairly new way to save for me. When I realised that our grocery bills were slowly sneaking  up despite my best efforts, and stopped to consider why, I realised a big part of it was thanks to those sneaky impulse buys. You know those things that somehow find their way into your trolley when your husband thinks you’re not looking. Or that item that your kid just HAD to have. Or that chocolate that just looks too tempting to resist. Shopping online has almost completely eliminated them for me. I can take my time and check over everything in my cart before I commit to ordering and decide whether or not it’s something we really need. Even once I factor in delivery fees, we are definitely coming out ahead.
  5. Cash Rewards – This has been another new way to save around here and again, it’s been working really well for us. At the start of each week I purchase a Woolworths gift card through Cash Rewards. I spend both our grocery and petrol money, as the gift cards can also be used at participating Caltex petrol stations. Using my Cash Rewards account I receive a 5% off the total spend and a small cashback reward. At the end of the week, if there’s anything left over on the card, I can use it the next week, or save it for a week when we need something extra or to just spend a little less.  Sign up for Cash Rewards by clicking here.

What’s your best tip for saving money on groceries?

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