Swagbucks – Double Points for ALL Users!

If you click on this link, you can earn double points from now until 11:59pm on 13/04/18. A nice little bonus courtesy of our friends at MSE. But if you’re signing up, don’t enter any additional sign-up codes or it will invalidate the offer. Double payout bonus points will be awarded by 20/06/18.

*Please note that it could take up to one week from clicking through, to receive the confirmation email, as stated in the T&Cs.

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Get 300 Bonus SB when you sign up for Swagbucks in April!

All throughout April you can earn large bonuses when sign up as my referral on Swagbucks.

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, John Lewis, M&S or PayPal cash.

When you sign up through me this month, you can earn a 300 SB bonus! Here’s how:

1. Sign up using this link

2. Earn 300 SB total before May 1st, 2018. You’ll get a 300 SB bonus for it!

3. That’s it. It’s super easy, and Swagbucks is for real. I use it myself, and I’ve earned over £2,300 to date which recently I’ve been using to kit out my new baby’s nursery with everything I could wish for from John Lewis! Happy days 🙂

Things That Have Gone – 23

I said that I’d probably still manage to get rid of a few more items! Well it amounts to a cardigan and a pair of shoes sold on eBay, 2 bags of clothes returned to their original owners and 2 books sold on Amazon Marketplace.

Yet more things that weren’t actually needed! I expect the odd item will still sell on eBay in the coming months, as I have a handful left listed.

The Concept of Commodification

More musings from the Story of Stuff book:

Because we spend so much of our time chasing after money, to buy stuff that we don’t need, that promises us the world but delivers none of it – our communities are suffering. We spend so much time on the above, that we’re not available to be present and useful amongst our local community. This feeds our discontent and unhappiness because people in our local community could meet our need for relationship. We can have our emotional needs met by having a chat with a neighbour. We can have logistical needs met, by a neighbour bringing us a meal, babysitting, dog-walking, offering a lift or taking in our mail whilst we’re away.

Ironically, all of these things have now been commodified in our consumerist society and are available to buy from strangers, at a price! Probably most people don’t even know their neighbours these days, since all they do is go to work early and arrive home late. They are too busy, too stressed, time-poor and over-scheduled. No wonder we have increasing amounts of isolated elderly, or even depressed and overweight adults and children in our society. And the solution is really so simple!

If you’re a systems thinker, than you might liken this phenomenon to a negative feedback loop. A problem or problems, that cause an effect that only serves to add to the original problem. We now have to work harder, to pay for the kinds of service that friends and neighbours used to provide for free. This only serves to add to our stress levels and lack of time. So you can see how the downward spiral continues!

Swagbucks Swago: Spring Edition is here!

The digital rewards site Swagbucks is offering big payouts during their “Swago: Spring Edition” promotion, which runs from now through Monday, March 12th at 17:00 GMT!

Swago is 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, meaning you can get more gift cards faster.

Here are a few tips:

  • Each square on your Swago Board will contain an action item to complete. They can be anything from getting a search win, completing a survey, or just visiting one of our popular stores!
  • Once you complete the action item in a particular square the square will change color signifying the action item is complete.
  • You have until 20:00 GMT on Monday, March 12th 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.
  • Each activity you successfully complete on your Swago Board will give you anywhere from 1-20 spins on the Spin & Win Wheel. PLUS, when you submit your board for a bonus you’ll get additional spins. The number of spins will depend on the pattern you complete. The wheel has all sorts of great prizes that you can win, and each spin is a winner!

The Spin & Win Wheel will be available all throughout Swago and you have until 118am GMT on Tuesday, March 13th to use all your spins.

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 massive 300 SB bonus!

Click here right now and click “Join” to get started! If you don’t already have a Swagbucks account, you’ll be able to quickly sign up; PLUS, if you earn 300 SB before the first of April, you’ll get a bonus 300 SB! Double SB!!!

How I made over £2,800 selling my stuff!

You may remember that about a year ago, I wrote a post telling you how I’d made over £800 selling every day items on eBay. Well, here I am a year down the line and spurred on by my initial success – I just kept selling stuff over the course of a year. I’m here to tell you that I have an extra £2,800 back in my bank account (before deductions like postage, fees etc).

Nothing I sold was extraordinary, as you have been able to track through my series of posts entitled ‘things that have gone this week’, where I’ve tried to keep some kind of record. I just logged each item in a ledger book, out of pure interest – I do this with all my moneysaving exploits and it allows me to keep a reasonably accurate log of how much money I’d saved. In-case you’re interested, since 2012 I have an extra £34,340 in my bank accounts through my combined money saving exploits – as documented right here!

I guess I’d just encourage every one to really look hard at what they’ve got lurking in their cupboards and question whether they really need it. Clothing is a weakness of mine and makes up a huge proportion of what I’ve let go – probably 80% But gone also are books, DVDs, shoes, household items, jewellery, technology and craft items. It just shows as well that these things can be sold at the right price, if they are in good condition. I’ve also donated bag fulls of items which aren’t listed in my ledger and I have no objection to charities benefitting from things I no longer want and/or need. However, that £2,800 is very welcome back in my bank also as we’re on a pretty fixed income which is going to decrease from now on as I will not be working due to having a baby.

My primary motivation with this session of decluttering was to a) clear space so that the baby could have their own room and b) get some cash so that we could afford to buy the things that baby needed. We were never looking to buy it all brand new, for so many reasons but even so we have needed to spend £1,300 on items for the new arrival. Some of that was made up by vouchers from sites like Swagbucks, Valued Opinions and Pinecone etc. But as you can see, my decluttering has left us with some spare to buy the things that will inevitably be required over the coming months and years.

So it’s over and out from me, for now on the decluttering front as I literally don’t have any more to sell or get rid of right now. But I will certainly be selling things the baby grows out of in due course!

Financial Abuse

Today I’m going to write a topic that is very close to my heart. As a health professional, I have unfortunately witnessed this awful phenomenon on more occasions than I care to remember. Often within situations that would appear quite normal to an outsider – between apparently loving husbands and wives, or between families and an elderly relative. There are of course many more circumstances where financial abuse can occur.

I’m prompted to write this post today, after reading a post from a large and well-known US blog (popular within the frugal and money-saving community). The author basically promotes the idea of financial abuse within a relationship, as if it is the healthy and loving thing to do. Let me be clear right now – if you have to ask or have a discussion with your partner before you can buy something as insignificant as a kitchen spatula, then you are a victim of financial abuse.

Financial abuse is a discrete form of coercive control (a pattern of controlling behaviour which can be threatening or restrictive). It is considered to be a form of domestic abuse and as such, is incredibly serious. It involves the use or mis-use of finances, so as to limit a person’s current or future actions and freedom of choice. In the USA, they have identified 3 distinct components to financial abuse under the ‘Economic Abuse Scale’:

  1. Economic control – i.e. monitoring of resources
  2. Employment sabotage i.e. stopping someone working, making them work for free
  3. Economic exploitation i.e. use of money, generation of debts

Despite the many preconceptions, any person, of any gender and income level can be affected, even higher incomes and socio-economic groups. Financial abuse not only comprises of control of money, but also exploitation of income and time, and possibly sabotage of efforts to gain or maintain paid employment. Financial abuse is often accompanied by other forms of controlling behaviours or types of abuse – such as, emotional abuse.

To all intents and purposes from the outside, it may appear as though the finances are being addressed quite normally. But there are often very subtle cues to be picked up on. Such as; someone having to ask their other half before they can make any purchase, or perhaps an elderly person claiming that a family member just takes care of everything for them. This subtle blurring may not be obvious to the victim, particularly at the time. If the victim is living with the abuser, they may find it impossible to leave without means to do so.

In the blog I am referring to, I have noted the following characteristics over time;

  1. Being required to ask the partner before any purchase is made, however insignificant
  2. Reluctance to spend money on things like eating out, drinks out or anything new and having to justify every purchase – no matter how big or small
  3. Being given an allowance for household spending and having to document every aspect of this spending (control tactics)
  4. Not being able to buy new clothes
  5. Then spending large amounts of money and bragging about it to other people
  6. Moving to a remote location, so that one partner has a restricted ability to earn
  7. Money is the mood – everything revolves around money, it underlies everything, every conversation, every decision
  8. Being prepared to spend money initially in the relationship, but then holding back more and more as the years progressed

In the UK this type of behaviour is now recognised as a potential criminal offence and it is crucial if you recognise the signs, within your own relationship or someone else’s that you report it to the police or social services (it would fall under the protection of a vulnerable adult legislation). Financial abuse strips a person of their sense of self, and their personal liberty or freedom. It also commonly occurs with other types of abuse (in over 90% of cases), so it is very important that if you notice the signs – you mention it.

However financial abuse can be very difficult to spot sometimes, or to pinpoint when it started. Then over time, it so invades the relationship that one could be fooled into thinking that behaviour is normal. There are just tiny signs that tip over from normality to abuse. I can speak from experience to say that it can be incredibly hard to bring up with a friend, for this reason – be prepared for them to deny any problem.

References

Unequal, trapped and Controlled. Women’s Refuge. Available from: https://www.womensaid.org.uk/financial-abuse-report/ (Accessed: 12/02/18).