Swagbucks – May Swago Pie Fest is Here! How to Get a 300 SB Bonus.

Swagbucks is holding their Swago promotion on Monday, 22nd May! It’s just like bingo, but in this case you’re filling out squares as you earn points on their site for doing things you already do online.

If you’re thinking of trying Swagbucks, this is a great chance to learn all about how the site works and earn bonus points while doing it. The best part is that the points you get can be used to get free gift cards to places like Amazon, or PayPal cash!

Fill up your board and then submit your pattern to get even more points – if you can fill in the whole board, you get a 300 SB bonus! Click here to sign up and get started! If you sign up through my link and earn 300 SB before 1st June, you’ll get a bonus 300 SB!

The Truth About Mr Money Mustache and Other US Financial Independence Blogs

Continuing in my series examining the real truth of US financial independence blogs, today we’re going to scrutinise ‘Mr Money Mustache’. This one is a real eye-opener and I encourage you to stick with the numbers and ask yourself whether you’d really trust this guy’s advice.

The short version is this guy must be at least a millionaire, if not a multi-millionaire. Hardly surprising then that he retired by 30, chooses not to work and can play around all day doing whatever the hell he wants. What shocked me more is he spends in 1 year the average starting salary of a nurse or teacher, here in the UK and states this is less than 10% of his annual income. Therefore, he’s easily bringing home in excess of £200,000, presumably in interest from a considerably larger sum he has invested – like millions of pounds!!! Hence my question, would you really take financial advice from this guy? Anyone can be frugal, I don’t knock that as a lifestyle choice. But it’s easy to be frugal when you have so much money in the bank that you don’t need to bother insuring your house because you have enough money to cover it, probably 10x over and some!

I don’t know anyone earning £100,000, I don’t actually know anyone making more than about £35,000 per year. I’d rather take financial independence advice from someone who’s living in the real world, who’s working a real job and making their way. I hope that’s what I’m doing here. So let’s look at his expenses in more detail and in English:

  • Property taxes – £1,456.35
  • Groceries – £4,595.76
  • Wine/ Beer – £246.75
  • Eating Out – £388.87
  • Medical – £8354.23
  • Car and other transport – £376.66
  • Home Renovations – £1303.72
  • Gym – £115.30
  • Clothing – £478.02
  • Sports Equipment – £75.33
  • Random shopping (presumably household items) – £768.70
  • Books, Games & DVDs – £294.41
  • Other – £324.49
  • Travel – £1794.91
  • Donations – £1,537.87
  • TOTAL £22,111.37
  • Spending £1842.61 per month!

I find it really peculiar that this guy does not have to pay for water, gas, electricity, sewerage or any kind of insurance. Of course he doesn’t have a mortgage or rent, like normal people do because he’s a millionaire. He doesn’t seem to pay for telephone, internet, doesn’t have life insurance, or a pension. He doesn’t even seem to get his hair cut. Maybe millionaires do not have to pay for these other things either?

I really hope this helps you not to compare yourself to people like this, it’s not reality for 99.9% of the population of the world. His monthly expenses may not be wild, in-fact they’re only £500 more than we pay to keep our household running and we are pretty darn frugal. The difference is whereas he’s only spending 10% of his income, most of the rest of us are probably spending 90% of our income trying to pay for the basics of life. I’d consider anyone able to save 25-50% of their monthly pay, to be doing pretty well.

So, over to you- does this change your perception f some of these US bloggers claiming financial independence in their 30s?

Things that have gone this week – 9

This week has ended up being a bit of a blur and I turned another year older. But, I am still getting rid of things!

Things I sold:

  1. A black 1950s style, net petticoat which never actually suited any of my dresses as it was too short and too full.
  2. Two vintage floral tea dresses (1 pictured), but they were the same style – too tight on me.
  3. Another pair of shoes! (Hangs head in shame!) This time a pair of vintage style Clarks T-Bar shoes.

This week I sold 4 items on eBay and I took a small bag to charity, containing a book, a dress and a board game. All of the items sold were purchased second hand for a few pounds and I ended up turning a nice little profit on these. But must try harder not to buy more! The petticoat was picked up for £4, brand new with tags and sold for £20 – still with tags on. The dresses cost £6 each and sold for £20 together. The shoes were picked up for £3, barely worn and sold for £10.

Stay tuned for hopefully another post next week!

I got rid of 15 pairs of shoes!

I don’t feel proud about that title, let me tell you. But I have continued my serious declutter. I am certain that I still own more than 15 further pairs of shoes and that number also needs to decrease. However, this is a MASSIVE step forwards for me and it’s truly been enlightening – look at all these shoes I had and there was absolutely no way I could use them all. Let’s just say that these 15 pairs that have gone are the ones that have had the least use, or even that I no longer wore at all. I don’t have pictures of them all, as I only started saving my images recently. Here is just a fraction:

I calculate that I have put £157.45 (gross figure) back in my pocket. Considering that only 2 of the pairs I had owned from brand new (and both of those were bought at around 70% off), I calculate that I am in profit despite my careless ownership. None of the other pairs cost more than £10 second-hand and most a lot less! However, that is not an excuse for me to go and buy more!

It might be optimistic, but I hope that I can one day get down to around 6 pairs of shoes. I’m envisaging:

  1. Knee high boots
  2. Ankle boots
  3. Trainers
  4. Sandals
  5. Work shoes
  6. Smart shoes

And really that would be more than enough! But I will admit that I have a slight weakness for shoes, probably more than anything else. Still, I can try.

Is it Vintage or is it Second Hand?

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These days second hand clothes are not always a bargain. The vintage label seems to come with a hefty price tag. Since when have hand-me-downs and cast-offs become ‘vintage’? Is there any real difference? Today I am going to explore this further, with the help of a new series on BBC Radio 4 – From Rags to Riches.

Second-hand is no longer seen as the poor man’s choice and is becoming quite mainstream, with the rise of the likes of eBay. People who bought vintage clothes up until  the Millennium tended to buy only the rarer or more collectible pieces. In more recent times, there has been a real shift and almost anything goes, so long as it is a unique one-off or fits current trends, but without the large price tag of buying new. But with this sweeping change, should we be concerned about true vintage items dying out? This seems likely with the rise in poor quality, fast fashion pieces which are not made to last or even cut well in the first place. I cannot see them enduring in the same way, as items from 40+ years ago.

I have mentioned in a previous post about the history of the garment trade. But what is vintage? Is it simply a garment that is too old, for you to have worn the first time round, in your lifetime? Or is vintage about having a connection with the past? Sometimes people have the luxury of knowing a garment’s original story. But often they are bought anonymously, in a shop or online. I know that I am attracted to clothes from certain eras. I particularly love a lot of the styles that were around in the 1970s, the decade just before I was born. But I can’t really explain why that should be so, it’s probably just personal preference. There certainly seems to have been a lot more meaning attached to certain types of clothing in the past; like flapper dresses, the ‘new look’, mods and rockers or teddy boys, are just a few examples. I am certain that the rise of the term ‘vintage’ has concurred with the rise of the internet and various online marketplaces. Perhaps this is because search engines rely on people searches for certain labels or definitions?

Vintage fashion is quite possibly a counter-cultural movement, a reaction to the fast fashion of the high street. Around the turn of the Millennium,  vintage began to step outside the wardrobes of Punks and students and onto the red carpet. It even found its way onto the pages of high fashion magazines, starting with British Vogue in May 2003. Perhaps some people still adhere too strongly to labels, even when buying second hand. Certainly some people may only buy second hand designer labels. Others may stick to labels that they know suit them, or they like the style of and there’s nothing wrong with that! Still others will actually just like to purchase something second hand, from your common charity shop and just enjoy wearing something that they love, that no-one else has.

So perhaps now, buying vintage or second hand is not an alternative lifestyle choice and has become mainstream in itself? It seems to me that the label vintage is simply applied to any garment over 20 years old, in order to inflate the price artificially. Although I admit that some people have an eye for finding the nicer pieces and perhaps this curation is worth paying a bit extra for. But I love the thrill of the chase. I certainly think there is good vintage and bad vintage, but again perhaps that is a matter of perception. This modern fashion concept called ‘vintage’ just rebrands everything in the same way, whether it’s a Regency gown or a pair of 1990s Adidas Gazelle’s. That is an unhelpful paradox to create.

Certainly, if you head into any fashion design studio what you will find are rails of old clothes (or shall we call them ‘vintage’ darling?) As my Grandad used to tell me, there is nothing new in this world and he always swore that if he kept clothes long enough, they’d be back in fashion again. Not that he truly cared about that, it was just an excuse to never go shopping, well except at jumble sales. (See where I get my love of second hand from – ha!) Anyway, the point is that designers use them as reference points for the ‘new’ trends that they create – whether it’s copying a button, a hem-line, a frill or a motif.

Vintage carries a prestige now because you have the garment and no-one else can. I suppose when people made their own clothes, there was far less likelihood of someone else wearing the same thing, as you chose the material, the pattern and cut it to fit you. Whereas nowadays there is a real fear of turning up in the same thing as someone else, at least for some people. But clearly, the word ‘vintage’ means different things to different people. I still prefer the rummage at the charity shop, along with the generally acceptable price tag. Although even some of them are now offering vintage boutiques, with prices to match! You just have to remember to check the condition of the items, as I often find that they don’t check and have been left with an imperfect, or sometimes unwearable item due to staining.

If you’ve enjoyed my blog post today, you will enjoy listening to the Rags to Riches podcast.

Swagbucks May Referral Promotion – 500 SB Bonus!

It’s May, the flowers are here and Swagbucks has a bonus in the form of a 500 SB bonus ! Swagbucks is a rewards site where you earn points (called SB) for things you’re probably doing online already, like searching, watching videos, discovering deals, and taking surveys. Then you take those points and exchange them for gift cards to places like Amazon, Starbucks, or PayPal cash.

When you sign up through me this month, you can earn a 500 SB bonus! Here’s how:                              1. Sign up using this link

2. Earn 300 SB total before 1/6/17. You’ll get a 300 SB bonus for it!

3. If you spend at least £25 through Swagbucks Shop* you’ll get another 200 SB bonus on top of the cash back you’ll get from shopping. If you have some shopping to do online, just go to Swagbucks first and visit the store through them. It doesn’t cost you anything extra, but you’ll get SB points for every dollar you spend (on top of the bonus)!

That’s it. It’s super easy, and Swagbucks is for real. I use it myself, and I’ve earned almost £2,000 to date since I joined. It helps me to pay for everything from everyday items to presents for special occasions.

*You must receive your shopping SB before 1 June

Swag Wars Team Challenge – Swagbucks

A long time ago, in a galaxy far, far away, Swagbucks had a fun team challenge to help you earn SB from Swagbucks!

For those of you who don’t know what Swagbucks is, it’s a website where you can earn cash back on everyday tasks you do online like shopping, answering surveys, discovering deals, and watching videos. You can even earn for searching the web!

If you’ve never tried Swagbucks before because you didn’t know where to begin, their Team Challenges are a great way to learn the ropes! Their latest, the “Swag Wars” Team Challenge, begins today Monday, 1 May!

Here’s how you can join the challenge and the site:

1. Click here to join the challenge and be assigned to a team. Pre-registration is going on right now! If you don’t already have an account, you can sign up on this page as well.

2. Starting 5th May at 3pm GMT, in addition to earning SB you’ll contribute points to your teams total as you complete different activities on Swagbucks.

3. Check back on the page often to see the scores and what you’ve contribute so far.   All members who participate and contribute at least 400 points to their team’s total will receive a SB bonus in the form of a SB Swag Up Rebate on their next gift card! Not only that, but if you earn 300 SB before 1st June, you’ll get a 300 SB bonus (as long as you’ve signed up under me)!

Members of the 1st place team will receive a 50 SB Swag Up Rebate, members of the 2nd place team will receive a 35 SB Swag Up Rebate, members of the 3rd place team will receive a 20 SB Swag Up Rebate, members of the 4th place team will receive a 10 SB Swag Up Rebate, and members of the 5th place team will receive a 5 SB Swag Up Rebate. Your SB Swag Up Rebate will be made available on Friday, 5th May and will expire on Wednesday, 31st May at 7:59am GMT.

May the Force be with you!