More Shocking Truths About Frugalwoods!!!

The Truth about Frugalwoods is one of my all-time highest read blog posts. As this is a topic you all like to read about, I’ve been doing some more digging. I have even shocked myself with what I’ve pulled up about them this time – hold onto your hats people!!! I share this because I want to warn others to be very careful where and from whom you take advice, not just on the internet but in real-life too. Some close family members were recently duped out of their entire retirement and inheritance from someone purporting to give ‘financial advice’. Not only should you check out what you are being told, but also their background. Do they have qualifications to advise you? Insurance? Does it all add up?

I had heard some rumblings on the internet that the Frugalwoods are not being truthful about their income. All you ever read on their blog is that they had good jobs when they were working, in the not-for-profit sector and they make out that they are now ‘retired’ in the country. Well, everyone knows about working for a charity in Britain – most people would be lucky to be paid the National Minimum Wage. But even higher up the career ladder, you will not be getting rich. I guess we could probably lump together the Public Sector as not-for-profit, as the NHS for example, certainly does not pay most of its staff well either. A nurse starts out on around £21,000 a year here in the UK.

So it was a little bit shocking to dig around for Mr Frugalwoods tax returns online, (thanks to this MrMoneyMustache forum thread) and find out that he earnt a mere £209,735 in the financial year ending 2016, as the Executive Director of a company. Not retired at all! According to what I’ve read online, that would make him amongst the top 5% of US earners. But here in the UK that kind of income is only paid to the top 1%. Let’s put it this way – the Prime Minister of Great Britain only earns £150,402! Gosh, it must be nice for all those people who think they’re donating to a not-for-profit company in the USA – to find out how much they are paying their staff. Claiming only to exist to do good and then having people taking home salaries like that!!!! Mind you, there was recently a shocking episode of Dispatches on Channel 4 which uncovered similar ridiculous amounts that Housing Association bosses are making, whilst plenty of people are going homeless. We do live in a very unjust world.

Frugality, when one half of the couple is bringing home that kind of money is a very different thing from the likes of say….Jack Monroe (a single mother trying to exist on benefits with her child and struggling to feed herself). That’s 7x the average £30,000 income for men in the UK. And then Mrs Frugalwoods earns money on top from writing for various sources. I stopped following their blog a while ago, as it just didn’t seem to ring true to me and this confirms my gut feeling once again. Let me know in the comments whether or not you’re going to continue reading their blog.

Cheltenham Festival = The Best Time of Year to Start Matched Betting!

My journey has evolved from Minimalism to incorporate a Zero Waste lifestyle. I have also been able to learn a great deal about money-saving and non-traditional work opportunities. Here I share one such opportunity:

Next week is Cheltenham Festival and if you’re anything like me, that would be fairly meaningless to you. Until last year that was, when I found out about Matched Betting. I’ve written before about a site called Profit Accumulator which talks you through the whole process. It was exactly what I needed to walk me through, step-by-step and I was quickly on my way to having several thousand pounds in the bank! It paid for me to do renovations on my home.

If you’ve been thinking about it, or are unsure – I’d really encourage you to give it a go next week because the sign-up deals from the bookies will be the best they will be all year! Make sure you go through a cashback site to get even more free cash!!!

You can start with nothing, but it will be easier if you have £100-£200 spare in your bank account. There are forums where you can ask any questions and they even have a support team too. You’ll very quickly get the hang of it and please post here, to tell me how much cash you’ve made! No luck required, it’s all in the maths!

Swagbucks Holiday Deals

Have you checked out today’s deals on Swagbucks? For anyone in the UK I don’t know how relevant these are, but I can see increased cashback offers on M&S, Argos, Currys, The Body Shop and Very to name but a few! I’d really recommend also checking out MoneySavingExpert’s Deals Predictor. Use this to work out when is the best day to buy the things you want to get maximum discounts! I’ll be keeping an eye-out as things ramp up towards Friday and over the weekend.

I’ve been talking about them a lot lately, Swagbucks is an easy, quick way to earn cash back and gift cards by shopping online or doing other everyday activities like taking surveys or watching videos. When you do those things, you earn points (called SB) that you redeem for PayPal cash or gift cards to places like Amazon, Walmart, Target, Starbucks, and more!  Just for signing up through me, you can earn a 300 SB bonus if you earn 300 SB before December 1st – if you spend at least £25 shopping through Swagbucks during that time, you’ll get another 200 SB bonus!

I am personally currently saving up all my gift cards for some larger purchases, including Christmas presents for my family. If you have family in the States like me, then you can buy USD gift cards for them. I personally use these Barnes and Noble gift cards a lot, as they are easy to email on.

So tell me, have you got any Black Friday purchases planned or do you hate the whole thing? Get in touch 🙂

Black Friday- Deals Week

You may sigh about Black Friday making its way across the pond. But if there is something you need to buy or perhaps you like an early start on Christmas gifts, it can actually offer a genuine opportunity to make some decent savings. I would absolutely prefer to do my shopping from the comfort of my sofa, rather than brave the craziness that goes down at the shops! I don’t shop Black Friday every year, but I may buy a few gifts this year. Aside from retailers slashing prices, you can make sure you get an even better deal by shopping from home. Always, always, ALWAYS click through a cashback site when shopping online – those extra pennies and pounds really do add up.

If you’re looking for the hottest cashback deals, especially with Black Friday and Cyber Monday coming up- you should take a look at Swagbucks. They are offering increased cash back from stores like Amazon, Argos, Boots, or Debenhams. You can turn this into cash back from Paypal or gift cards to your favourite stores!

Swagbucks will also offer amazing one-day deals to try out new products and services, earning you even more free gift cards. This page has everything you need to take advantage of some great “shopportunities” for Black Friday and Cyber Monday and the entire week leading up to them! The page will be updated each day with new deals and opportunities to get free gift cards. So remember to keep checking it!

If you still haven’t heard of them despite how much I rave about them – is an easy, quick way to earn cash back and gift cards by shopping online or doing other everyday activities like taking surveys or watching videos. When you do those things, you earn points (called SB) that you redeem for PayPal cash or gift cards to places like Amazon, John Lewis, Argos, Starbucks, and many more!

Just for signing up through me, you can earn a 300 SB bonus if you earn 300 SB before December 1st 2016. If you spend at least £25 shopping through Swagbucks during that time, you’ll get another 200 SB bonus! Why not take advantage of these great deals and sign up now?

Swagwarts Team Challenge

Who doesn’t love a good challenge? Especially when you can get points to redeem towards free gift cards!

Enrol today in the Swagwarts team challenge hosted by Swagbucks, a website where you can earn cash back on everyday tasks you do online. It starts on Monday, 21st November at 4pm GMT and runs until Friday, 25th November so you have a whole week to contribute points to your assigned team. It’s so much fun to see which team you are placed on, and discover all the ways you can earn SB while you contribute to your team’s goal!

How will you contribute? Watching videos, completing surveys, shopping online? These activities and more will help your team get ahead. If you’ve never used Swagbucks before, now is a great time to join, especially if you participate in the Team Challenge because it’s an opportunity to win an extra bonus for trying out the site.

All members who participate and contribute at least 300 points to their team’s total will receive a SB bonus in the form of a SB Swag Up Rebate! I can’t wait to help my team come in 1st place for that 40 SB rebate. The challenge lasts until November 25th so log in or make a free account! Pre-registration is open now.

Swagbucks- It’s SWAGO time again!

It’s time for another round of Swago, where you have the chance to earn 200 SB!

Some of you may be wondering what SWAGO is? It’s a bingo-inspired promotion run by Swagbucks, a website that rewards you with points (called SB) for completing everyday online activities. When you complete a task, watch that square change colour – just like the autumn leaves. You can redeem those SB for free gift cards. If you’ve never used Swagbucks, participating in SWAGO is a great way to learn how to use the site, and it’s a lot of fun!

Here’s what you need to know to get your 200 SB Bonus:

Swago  will begin on Monday, November 14th at 8pm GMT, make sure you hit “Join” otherwise you won’t get credit for completing the action items. Each square on your Swago Board will contain an action item to complete. Once you complete the action item in a particular square the square will change colour signifying the action item is complete.You have a limited amount of time to mark off as many squares as possible so use your time wisely.

Be mindful of the patterns and their corresponding bonuses located on the right of your Swago Board. The patterns will vary in difficulty and bonus value.Once you’ve achieved a pattern the corresponding “Submit” button will light up. You can have multiple patterns available for submission, however, you can only submit ONE pattern so choose wisely.The game ends Monday, November 21st at 8pm GMT. So make sure to hit “Submit” on the pattern you wish to submit. If you don’t hit “Submit” before the game ends you won’t receive your SB bonus.

Swagbucks – For The Love of November Collector’s Bills


Swagbucks loves November so much, it’s launched a special set of Collector’s Bills!

Introducing For The Love of November Collector’s Bills! Collect all 4 Collector’s Bills and you’ll earn a 20 SB Bonus! For those of you who are wondering what Collector’s Bills are, I’m here to explain.

How Do I Get Collector’s Bills?

It’s simple. Search the web through the Swagbucks search engine starting from Monday, November 7th until Monday, November 14th and when you get a search win, you may get a special Collector’s Bill valued at either: 5 SB, 10 SB, 13 SB or 22 SB!

What happens when I get a Collector’s Bill?

When you get a Collector’s Bill you’ll receive the value of the bill and the bill will be added to your “Collector’s Bills” ledger. Collect all 4 Collector’s Bills and you’ll instantly earn a 20 SB Bonus!

Is it possible to collect the same Collector’s Bills multiple times?

Yes, you could collect any of the Collector’s Bills multiple times.

Happy searching!

Profit Accumulator – Earn Money Online

I’ve been refraining from writing about Profit Accumulator because it is a little bit more involved than some of the other opportunities I’ve mentioned. It involves something called Matched Betting, but please read on- don’t let the word ‘betting’ put you off. I am not the betting type and I knew nothing about betting before I started to use this site. However this one site will easily allow you to earn the biggest sums you’ll probably ever make online.

Matched betting isn’t actually gambling, despite its name. All bookmakers are prepared to give away significant sums of money in order to try and ensure a potential future client. It’s a bit like banks who pay you £150 to open a current account with them, or an insurer offering you a large sum of vouchers in return for signing up to a new policy. They then continue to offer them regular promotions in order to keep them loyal to the brand, rather than moving to a competitor.

Matched betting exploits this (it is perfectly legal) and allows you to take away the maximum amount of profit with little risk, due to it all relying on mathematical calculations and probability. Again, don’t let the mathematical side put you off because all the hard work will be done for you by computers and calculators. Although all sites will claim that profit is guaranteed and there is no risk, I personally don’t believe that statement to be entirely accurate. I think there is a very small element of risk and that’s associated with you making a mistake (human error), a bookmaker going bust or not honouring an offer (rare, but does happen with smaller companies) and fraud – such as someone hacking your account. I think I should be upfront in telling you that, since you are going to be using your own money to participate and you need to feel comfortable with the level of risk.

You don’t need to sign-up to Profit Accumulator, however if you are like me and you’ve no prior knowledge – they guide you through every, single step. This was invaluable in giving me the confidence to go forwards, knowing there was a much lesser chance of my making a mistake. However most of the tools do seem to be available for free online – like odds calculators. The collate all the offers, across all bookmakers everyday and put them in one place. That in itself will save you a lot of time. They rate each offer, so you know whether or not an offer is worthwhile. Hint: a lot of the offers the bookies will email to you are not worth your time because they’re heavily weighted in the bookies favour. Profit Accumulator finds the good ones and then they explain every last detail, so you can complete the offer successfully. In addition, you get access to their forum where you can share hints and tips, and ask any question of other members and staff.

Once you’ve signed up to Profit Accumulator, you will start to open accounts with bookmakers. I’d suggest you go through a cashback site where possible, like Topcashback so that you maximise your earnings. Bookmakers will often offer around £25 just for you to sign up and complete one offer with them! You then place your bets, but the clever thing with Matched Betting is that all outcomes are covered, so you cannot lose. Your bets either win with the bookmaker (less often) or win at the exchange (most often). If some of these terms are unfamiliar to you, then don’t worry because Profit Accumulator will literally explain everything, step-by-step for you. You then withdraw your profit and move onto the next offer.

Bear in mind that’s it’s not as quick as that explanation because your chosen sporting event may not take place for a couple of days and so, sometimes your money will be tied up for a few days. It’s not a problem, but it is something to be aware of. If you have a small pot of money that you can use to start yourself off, then you will progress a little quicker. However, you literally can start with almost nothing and build up your bank. To put your mind at rest (I was like you, interested but sceptical), Profit Accumulator offers a free trial. So you can try out their site and see that they are genuine, earning yourself £45 in the process. Although I assure you they are and I could find nothing but good reviews about them before I signed up, if you’re sensible you will want to try it for yourself to see. Then, I’d suggest you take that £45 and sign up for a month, or even a year (which is better value) and see how much money you can make.

I’ve made literally thousands of pounds since signing up and I genuinely can’t believe how easy it is. You don’t need any special skills or experience, just a computer and a willingness to learn. I’d love to hear your stories, so be sure to come back and share them in the comments section after you’ve tried Profit Accumulator. Be assured that I only recommend sites that I personally am using and earning a decent reward from. The rate of return I have had from this site, far exceeds the interest I could have earnt on having my money in a Cash ISA in the UK. Something to think on!

The most important thing I can say to anyone reading this is PLEASE do not sign up if you have or have had a problem with gambling. Instead, please go to the website Gamble Aware.

*If you click my link and sign up for a Platinum account, I will receive a one-off payment as a thank you for introducing you.

OnePulse- Smartphone App

OnePulse is an app that you can easily install to your smartphone. It will send you notifications when there are really quick, easy surveys that you can complete on your smartphone. You get to voice your opinion anonymously and you can view everyone’s results afterwards (which I’m always curious to see!) The surveys are generally just a handful of questions long. They only pay pence, but if you’re using the app every day, then it soon adds up. There are also lots of free i.e. non-paying polls which you can use to get your experience score up. This will supposedly get you more surveys to complete, but I’m sceptical. My advice is to just use it for the surveys that come up, they’re generally topical and couldn’t be simpler to complete. But if you’re really bored, go ahead!

You can cash out to Paypal via the app which is again really simple. You must have £5 to cash out which is a fairly easy target to reach. If you would like to sign-up, please input my referral code 26KWR. There is a chance I will win a prize if loads of people sign up (very doubtful I will win), but please use my code anyway 😉 Happy pulsing!


Prolific Academic- Help Academic Researchers

Prolific Academic is a great site on which you complete surveys for cash. I really love this site because they have high paying studies and they are much more interesting than most. this is probably because they are being conducted by Academic Researchers. Most studies have gone through rigorous ethical approval via University Ethics Committees and are well-written. Sometimes it’s obvious that perhaps you’re completing a study for a less academically gifted researcher shall we say, as it’s been poorly thought out. Or occasionally the spelling and grammar is off, but I feel I can forgive that of people for whom English is not their first language.

Almost every study I’ve encountered on this site has paid at an equivalent to the minimum wage per hour of my time which automatically puts it above other survey sites. I personally wait until I’ve reached £20 to cash out, so I don’t have to pay additional Paypal fees. But you can cash out at any point from £5 onwards. Another great thing about this site is how quickly they pay out- sometimes in minutes!

From time-to-time the site seems to run slowly, possibly due to volume of traffic? I once found it kept telling me I had no surveys and it turned out my account had been flagged for no reason. I contacted them and they sorted it out very quickly. I highly recommend this site for higher paying, interesting survey opportunities.

*If you sign up as a participant via my link above, I will earn 10% of your first cash out only. If you’re a researcher who runs a £50 study, I’ll earn £20 and you’ll get £25 to run your first study.