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!

Stop Paying For Data You Don’t Need!

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One of the ways I keep my mobile phone bill as small as possible is by physically turning off my data. Thanks to GiffGaff I’m already paying a minimal amount, but by physically turning my data off unless I specifically need to use it, I can stick to a £5 Goodybag each and every month. It only takes seconds and it saves me between £2.50 to £5 every, single month. That’s £30-£60 a year kept in my pocket. This is the perfect example of minimalism in practice – only using what you need and keeping things really, really simple.

On an iPhone, like mine – you simply need to go into settings and turn mobile data off. This stops your phone eating your data allowance if you’ve gone out of WiFi range. How many times has that happened to you when you’ve been watching a video or something else data heavy? Do you have any easy money-saving, minimalist tips like this?

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.

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

Are you a Home Bargains shopper?

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No? You should be! My shopping habits have been revolutionised since they opened up a store near me. They sell everything from stationary, to groceries, toiletries, toys, cleaning products, hardware, home furnishings, pets and more!

One of regular purchases here is 4 packs of John West tuna chunks. They sell 3 varieties – in brine, in sunflower oil and in spring water. All are £2.79 for a 4 pack, that’s 67p per tin! The next cheapest I could buy is an economy, supermarket brand at around 80p per tin, although the price has come down recently and you can buy Asda Smartprice or Tesco Value for 65p per tin. However I don’t think the quality compares, as economy brands are usually grey mush and barely resemble a tuna steak. I rarely see John West for less than £4 in the supermarkets. The tuna is pink and meaty, definitely top quality!

I use a lot of mailing bags and tissue paper for sending eBay items. I used to buy my mailing bags at Wilko, as I found them the cheapest. Their A4 mailer bags x5 are £1.50 are and A3 x5 are £1.75. The same at Home Bargains are 49p for 6x A4 and 89p for 6x A3. They sell 10 large sheets of tissue paper in a rainbow of colours for 49p, the next cheapest I can find is at a local bargain store for 99p. There’s just no contest is there? You can see how the savings start to add up!

I regularly buy sweets and chocolate here, as they are so much cheaper than the High Street. They have a HUGE range! I also love my oatcakes and I can buy them for 65p per box here. Compare that even to Poundland, where surprise, surprise – they cost £1 a box! They have a huge range of cheap biscuits and top brands too. As someone who eats a gluten-free diet, I often spy gluten-free items in Home Bargains at a mere fraction of the supermarket cost. A while back they were selling Nutribix for 79p a box! They cost £3.79 a box in the supermarkets- they had a slightly shorter best before date of 1-2 months, but what does that matter when you’re going to eat it soon anyway?

I buy some of my toiletries here too, dental products are much cheaper than the high street and I always pick up big name toothpaste for £1 a tube, like Colgate, Sensodyne or Arm & Hammer. They often have bumper sized packs going for this price too.

Do you use Cif cream cleaner? They sell it here for £1 a bottle. You might find it for £2 in the supermarkets if you’re lucky and occasionally £1.50 a bottle at Wilko. But other than grabbing it from time to time, in Poundland – you won’t find it regularly, this cheap. They also sell Dri-Pak Soda Crystals at 65p for 1.5kg which is way cheaper than £1 a bag at Wilko. These have so many household uses and I’d never be without a bag.

In the pet section today, they had pet carriers for £20 and scratching towers for the same price. They are always cheaper for treats here, like Weebox sticks at 79p per pack, next cheapest is 99p in the supermarkets or Wilko.

I regularly pick up Sequin Art kits here for £6-£7 instead of the £15-£18 they are full price. I have had lovely hardback Disney notebooks for £1-£2. If you check out http://www.moneysavingexpert.com and look on the ‘Quick Grabbit’ forums, you will find a Home Bargains thread where members post the hottest deals. But I want to encourage you to go there anyway for your everyday basic items because they are much, much cheaper! Oh and be sure to come back and tell me what you’ve found 🙂

Things That Have Gone This Week – 6

Here we are, week 6 and the clear out continues! I took 2 of those massive charity plastic sacks to a charity shop this week- they contained yet more clothing, from both me and my OH. Plus board games, footwear and a whole stack of books. These were all things I hadn’t been able to sell, so I hope the charity shop will have more luck than me! I also took another big plastic sack of clothing that was too worn to a textile recycling bank. I had been planning to hold onto it for rags etc, but at the end of the day there was more than I was ever going to re-use and we don’t have the space to keep it all for years. I understand that it can be recycled into padding for car seats and the like.

Add to all this the 8 items I sold on eBay this week and I’d say it’s been a pretty good week 🙂 I got £92.45 for this little lot which I am pleased enough with, for stuff I don’t want the responsibility for anymore. This is the net figure, not minus postage etc but it’s still pretty good. I didn’t buy any of these items new and I ended up in profit on most of them.

  1. 2 sacks to charity
  2. 1 sack to textile recycling
  3. Turquoise Monsoon Skirt
  4. Vintage Laura Ashley Velvet Ballgown
  5. Vintage Laura Ashley maxi skirt
  6. Laura Ashley shirt dress
  7. Clarks Silver Ballet Flats
  8. Tu Pink Dress
  9. Juicy Couture Jeans
  10. Ice Skates

Another 2 items have bids on them too, so they’ll be included next week. But this was probably my best week so far for getting rid of stuff! Are you decluttering? If so, how’s it going?

The Truth about Frugalwoods and other US ‘Financial Independence’ Blogs

If you are like me, you read a number of financial independence blogs for inspiration. I admit to reading the occasional bit of Frugalwoods or Mr Money Mustache. However, the more I have read the more I have pondered whether these US blogs can bear any relevance to UK readers hoping to achieve financial independence? Today, I hope to uncover more of the truth about this for my UK readers. This is as much to put my mind at rest, as yours.

Frugalwoods say that they own a large detached homestead with land in excess of 20 acres The only equivalent I could see here in the UK is buying a VERY large country property or ex-farm, with a lot of land. I’ll plump for the farm option, as they state they have outbuildings (from their photos it is a very large barn, the size of 2-3 massive houses here in the UK), as well as woods and more. From their photos, I would estimate the main residence to be twice the size of a large UK house, although that is not unusual by US-standards. Actually here is their run down:

Frugalwoods Homestead Specs:

  • 66 acres of primarily wooded land in central Vermont, 35 minutes from Hanover, New Hampshire (where Dartmouth College and every attribute of the ‘big city’ are located)
  • A 4 bed, 2.5 bath, 2,300 square foot house, built in 1991, with two woodstoves
  • An 1,800 square foot barn/shop with a woodstove
  • One pond
  • Many streams
  • Countless apple trees, several plum trees, and a forest of sugar maples
  • Two acres of cleared “yard” with extensive garden beds

They paid $389,000 for their homestead which equates to £300,000. So now you start to see how these US financial independence blogs are laughable here in the UK. I mean, no-one but a multi-millionaire would own a piece of property that large over here! And you’d be lucky to get a normal 3-bedroom, semi-detached house where I live, on a tiny plot of land. I doubt that would even buy you a studio flat in London. They would have put around £97,000 down as a deposit.

They also have a rental property in a US City, which they paid $466,500 for and that equates to approx £360,000. They only put a £50,000 deposit down on it. So, now we’re looking at that owning around £660,000 of property but none of it is full paid for. They have 30-year mortgages (the norm is 25 years here in the UK). They are in their mid-thirties, so they’re looking at carrying that debt until they are 75. I wouldn’t want that noose around my neck until well into retirement!

You can read the reality is then that they worked solidly from University to their mid-thirties to be able to put £147,000 cash on houses. I’m not knocking that, but I expect most people in the UK would be able to sock that away as a deposit too, if they had the luxury of a well-paid job. 20 years of  2 people working full-time and saving 65% of their income, means they were only saving £7,350 a year. That’s as little as £3,675 per person. Undoubtedly achievable here, if not more- it’s just that you would never be able to buy a home or retire on that here!

The truth is that both of these properties still belong to the bank and they’re only a few years into the mortgages on each. If anything happened to prevent them from keeping up payments, they could lose both in a very short period. For example, if they couldn’t get tenants for their city house – one wonders if they would be able to cover the mortgage? They also only keep around 6 months worth of liquid cash which is a very small amount. The rest of their ‘net worth’ they have ploughed into stocks and shares. Whilst it is all very nice to base your ‘net worth’ on what the current selling price of the shares is, it’s all pie in the sky really. In 10 years the value of what they have put away could halve or worse. They are basing their ‘net worth’ on a projected rate of return of 7%, but the reality again is that if anything happened to the stock market (which I think is very likely given the volatility of world markets lately) they could lose a significant proportion of their money or the whole lot! They won’t even have the properties they live in to sell because they don’t own them. I bet you would then find they have stopped blogging and had to go back to work. Probably renting somewhere and lamenting their former choices, except they wouldn’t blog about that!

In actual fact, I think they are quite dangerous examples of how to live. Unless you like an extreme level of risk. I wrote this because I don’t want UK people to compare themselves to some unrealistic ideal. Unless you are planning to move to America, then you’d better expect to be working the rest of your life to pay off a small piece of modest UK property. I don’t think anyone lives under the illusion of early retirement here anymore! The best you used to hope for was retiring at 50, but certainly not 35!!!! You are better to pay off your mortgage before making too many other investments so that at least you have something solid that you own. I think it’s safer to pay into a pension, than invest all your money into stocks and shares.