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.
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!
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 🙂
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 – Swagbucks.com 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?
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.
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 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.