Making Money

Posts about making money from a 60-plus perspective. This includes sideline earning opportunities of all types.

February 4, 2020

Guest Post: Make Money Selling Arts and Crafts Online

Today I am pleased to bring you a guest post from Cora Harrison, a UK blogger and vlogger (video blogger) whose website is called The Mini Millionaire.

Cora says she loves to explore new ways of making money, both online and offline. She has a particular interest in online selling (and reselling) and there are many posts on this subject on her blog.

In her guest post today she reveals how anyone with an interest in creating arts and crafts can boost their profits – potentially many times over – by selling their work online.

Over to Cora, then…

If you love creating arts and crafts products, you can of course sell them at local markets or craft fairs. If you are looking to sell more and make (much) more money, however, you should definitely consider selling online as well.

There are various ways you can display and sell your work online. Here are some of the most popular.

Your Own Website

Selling arts and crafts on your own website is probably the single best way to sell your hand-made items online.

Having your own website will allow you to contact customers directly, grow your brand, and avoid the fees charged by third-party platforms like Etsy and eBay. In addition, you will not be competing directly with other craftspeople selling similar items to the same pool of customers on the platform.

For this to work, however, you will need to create an attractive, professional-looking website. You will then need to drive traffic to it, using techniques such as search engine optimization (SEO) and perhaps paid advertising. You can use online website building tools such as Wix or Shopify to create your site or hire a professional website designer.

Selling on Etsy

Etsy is an online marketplace dedicated to hand-crafted items. It is known for vintage, unique and custom-made items. It is easy to use, so you can set up your store and sell your crafts online in no time. Many would-be buyers of hand-made products look on Etsy before going anywhere else. Customers can pay by various methods, including PayPal and Google Pay.

On the minus side, many other artists and craftspeople also use the platform. This means it can be hard to sell common items. In addition Etsy charge about 5% of the sales value as a transaction fee every time you make a sale. You also pay about $0.20 for each item you sell. PayPal (the most popular payment method on the platform) also charge a fee for processing payments. All of these fees and charges will eat into your profits.

Facebook Marketplace

Facebook Marketplace is a prime location for selling hand-made crafts products locally. Given that Facebook has a massive user base, you can reach many potential buyers in your area by posting your items there. Posting items is free and you can add up to 42 images of your product in every sales post. The post will also include a description of the product, your location, and the price of the item.

While there is no limit to the number of posts you can make in a day, Facebook may limit posting to avoid spamming the page with similar ads. You have the option of sharing posts on your wall so that your friends may see the posts you have shared in local buying and selling groups. Potential customers will message you for more information and selling terms. The Marketplace is available on the web-based version of Facebook and as an app.

Selling on eBay

eBay is of course primarily an auction marketplace where sellers post items and sell them to the highest bidder. However, you can also create fixed-price listings. It is therefore a good platform to sell hand-made crafts online. The platform uses PayPal as the payment provider for all transactions. Both eBay and PayPal have various fees that you will encounter.

You will also be required to pay a final value fee. The fee is applied at the end of the transaction after making a sale. The fee is a percentage of the purchase price. There are also shipping and handling fees. Shipping fees are based on the method chosen by the buyer unless for domestic shipping, where the fee is calculated from the cheapest shipping method.

You will pay the final value fee whether or not the client pays for the item. If the sale is unpaid, you can cancel the sale or report it as unpaid. Note that eBay will give you credit for this rather than a cash refund.

Why Selling Online is Beneficial

There are several reasons you should consider selling your hand-made crafts online compared with selling in person at craft fairs and so on (though you can of course do both).

First, as stated above, online selling exposes you to a much larger audience than in the case of a market stall. You can sell your items to potential buyers across the country – and further afield – with ease.

In an online store, there are no opening time restrictions. The store runs around the clock and customers can place orders at any time of the day or night, as opposed to a local venue with set opening hours. In addition, you can operate the business from anywhere and target potential buyers who are far away from your location.

An online store also requires less time and effort. Once you have set up your online store and posted your hand-made items, they will be seen whether you are online or not. This allows you to sell your crafts even if you are otherwise engaged.

An online store also has lower running costs than an off-line one. There are no utility bills, rent or other premises costs to pay. You can run your online store from your kitchen, living room or bedroom. All you need is a laptop or desktop computer with an internet connection.

Effectively Selling Your Items Online

The Quality of Photos Matters

Just like in an off-line store, in an online store your hand-made crafts need to look good to appeal to customers. It is therefore vital that you take clear, sharp photos of your items. You can take them from different angles to give the customer an all-round view.

A modern smartphone should produce good-quality images in ambient light, but place your items on a white surface to give them a professional look. You can also use image-editing software to make the image ‘pop’.

Give Your Items a Perfect Description

Since you will not be there to explain the features of your product in person, it is important to provide a good description alongside your image. Ensure that the customer gets a mental image of the item without getting too sales-y. Most platforms have a character limit within which you can write a description. Use this opportunity to explain all the features that might be of interest to a potential buyer.

Keep Checking Your Site Regularly

Keep checking the platform where you have posted the item regularly for customer queries or orders. If the account is linked to your email address, you can have ‘push notifications’ set on your phone so that you know when there is activity relating to your item. The ability to respond quickly to queries will boost your reputation and prevent you from losing customers.

You may wish to post on more than one platform to increase your exposure. Try to estimate the return versus the cost of placing ads on multiple platforms. Having many items listed rather than just a handful will increase your overall selling rates as well, so aim to build up your inventory as quickly as possible.

Good luck, and I wish you every success selling your hand-made arts and crafts online!

Many thanks to Cora Harrison (pictured, right) for some great tips and ideas.

Selling arts and craffs (online or off-) isn’t something I have ever tried myself, but I know it will interest many of my readers, so I was delighted to receive Cora’s article.

Obviously, you need some artistic talent to do this, but you definitely don’t need to be Leonardo (da Vinci, I mean, not DiCaprio). For example, using inexpensive software you can create attractive printables, which could sell well on Etsy and similar websites. You can read my blog post on this subject here.

But if you really don’t feel that selling arts and crafts online is your thing, you can still make good money selling and reselling products of all sorts online, from DVDs and collectables to Lego bricks! Check out Cora’s Mini Millionaire site for much more information about this..

As always, if you have any questions about this article, for Cora or myself, please do post them below.

If you enjoyed this post, please link to it on your own blog or social media:

Why I Donj't Promote or Recommend 20 Cogs

January 22, 2020

Why I Don’t Promote or Recommend 20 COGS

Nick Making Money reviews 10 Comments

Over the last few weeks I’ve received several queries about 20 COGS. I’ve also seen people asking about it on Facebook. Some of my fellow UK money bloggers have been promoting it as well.

I did try 20 COGS myself about 18 months ago. I didn’t like it and have therefore never written about it or promoted it (and I’m not now, so there are no affiliate links in this post). As it still seems to be generating a lot of interest, however, I thought I’d share my experiences (and opinions) about it here.

I guess I’d better start with a word of explanation, though…

What is 20 COGS?

For those who don’t know, 20 COGS is a home money-making opportunity. The way it works is that you undertake a set of twenty online tasks. Once you have completed all twenty as specified – and not before – you receive a cash reward. This is generally between £150 and £200, but you are likely to incur some costs in completing the tasks (e.g. paying for trial subscriptions) and these will need to be deducted from your reward to calculate your net profit.

The tasks are, of course, the twenty COGS in the name. COGS stands for Competitions, Offers, Gaming, Surveys. A typical task might involve signing up with an advertiser for a free or low-cost trial subscription (which you have to remember to cancel before they start charging the full monthly amount). Or it might involve signing up to an online casino site and wagering a set amount of money on their slot machines. It might also just involve filling in a (long) survey, but quite a few tasks do involve some financial outlay (with the risk of more if you don’t cancel in time).

My Experience

I saw 20 COGS recommended by a few bloggers I generally trust, so decided to give it a go. Unfortunately I didn’t prepare as well as I could have done, which was my first big mistake. In particular, I made the rookie error of giving out my own email address and mobile phone number.

I soon discovered that this was a serious mistake, as after the first few tasks I began getting spammed mercilessly. The spam emails weren’t so bad, as they were generally filtered out by my email program. However, my mobile phone became unusable due to the torrent of marketing calls and text messages I received. In the end I had no alternative but to bite the bullet, cancel my mobile number and get a new one. In my defence, I naively assumed that this wouldn’t happen due to GDPR and data protection rules – but when you sign up with 20 COGS these appear to go out the window.

I also had problems with some of the tasks. To start with, I couldn’t do quite a few of the gaming ones due to previously being a matched bettor. This meant I had already signed up with many of the websites concerned so I wasn’t eligible for the tasks in question. In those circumstances you can ask for a substitute task but this all takes time and in my case there weren’t enough replacement tasks available (although over time new ones do of course get added). As I mentioned earlier. this was about 18 months ago, so it’s possible there are more alternative choices available now.

I also had major reservations about the amount of personal information some of the survey-related tasks asked for – from holiday plans to dates of renewal for home and car insurance. Pretty obviously, this information was likely to be used for (unwanted and intrusive) marketing purposes.

Eventually, after completing about half a dozen cogs, I decided enough was enough and closed my account. That didn’t stop the spam, but at least I could breathe a sigh of relief that I didn’t have to do any more tasks. Of course, I got no money for the ones I had done, which I assume is one major way 20 COGS make their profits.

My Recommendations

As I said at the start, based on my experiences I don’t recommend signing up with 20 COGS at all.

It is an awful lot of hassle to go through for a probable net profit of £100 or so after costs are deducted. And you can easily end up with less than this if you forget to cancel a subscription (which is very easy to do).

If, despite all this, you are still tempted to give it a try, here are my recommendations…

1. Sign up via the link on Top Cashback. This will earn you an extra £1.20 cashback (at the time of writing).

2. Before starting, create a disposable email address and use this for all tasks. You could set up a new email address on Gmail or use a free disposable email service like ThrowAwayMail.

3. In addition, don’t use your real mobile number. You could use a pay-as-you-go SIM, or pick a number from https://fakenumber.org/united-kingdom. They have a list of UK mobile numbers that are not in use currently.

4. Keep detailed records of everything you do and when you do it. To avoid unwanted charges, it is clearly essential to cancel subscriptions before you have to pay the full amount (but after the qualifying period required by the advertiser). You might also want to set up automated reminders on your phone or computer to do this.

5. Read and follow all instructions carefully. Every advertiser on 20 COGS has its own specific requirements and you need to follow these carefully or you may not be credited for the task in question.

6. Take screenshots as you complete your tasks. If an advertiser disputes whether you completed a task correctly, you will then have visual proof that you did.

Finally, bear in mind that 20 COGS is a once-only scheme. After you have completed it, you won’t be able to do it again. It is not an ongoing money-making opportunity like matched betting or Prolific Academic, to take two random examples from the many I have covered on Pounds and Sense.

In Conclusion

As I said above, based on my experiences with 20 COGS I am not a fan and don’t recommend it.

It’s an awful lot of hassle to go through in order to earn £100 or so. And there is a very real risk of earning less than this if you make a mistake such as forgetting to cancel a subscription. There are also privacy issues, and you are potentially opening the door to a torrent of spam emails, texts, phone calls and more (though using fake/disposable mobile numbers and email addresses as recommended can reduce this).

Of course, this is just my opinion. I do know of people who have completed 20 COGS and (eventually) received a payout. If you are still on the fence about it, I recommend reading this comprehensive 20 COGS review by my colleague Adam who blogs at Money Savvy Daddy. Adam did actually complete 20 COGS and says he made about £100 from it. He is honest in his review about the time it took and the obstacles he faced along the way, however.

As always, if you have any comments about this post – or 20 COGS more generally – please do leave them below.

If you enjoyed this post, please link to it on your own blog or social media:

January 14, 2020

How to Make Money From Your Old Tech

Nick Making Money 4 Comments

Many of us have old gadgets that we no longer use and are just gathering dust. These include mobile phones, tablets, laptops, cameras, games consoles, and even desktop computers. They may still work, but we have replaced them with new and (hopefully) better products.

There is a natural tendency to hang on to the old products for a while, just in case we need a backup if our shiny new replacements fail. Modern brands are generally very reliable, however. And once you have established that a new product isn’t faulty, there isn’t really much reason to hang on to the old one – certainly not for months or years on end.

You might think the only thing to do with an old gadget is take it to the tip – sorry, household recycling centre. Before doing that, though, it’s worth noting that there are various ways you can make money from your old tech, even if (in some cases) it’s no longer working.

The High Street

There are various shops that will pay for old technology of all kinds. For example, CeX (who also have a website) will pay for smartphones, satnavs, cameras, speakers, headphones, laptops, games consoles, and even TVs in some cases. The device needs to be working but doesn’t have to be in its original packaging. Buy-and-sell stores like Cash Converter and Cash Generator will buy your old tech too.

eBay

Whatever the product you want to sell, the online auction house eBay is worth considering. It has a huge audience, and there will always be potential buyers looking for any item you want to dispose of.

Of course, you will have to spend a little time preparing your auction listing, taking photos, writing a description, and so on. However, eBay make this as easy as possible for sellers by showing you similar items that have sold on the site recently. This will help you prepare your own listing and assess the likely amount you may be able to get. Bear in mind that eBay does impose charges for sellers, which will reduce the amount you receive.

Facebook and Other Community Sites

Facebook local pages can be a great way of selling larger items in particular that may not be easy to post. You will need to include a photo and write a description stating the price you want. With a bit of luck someone living nearby will want the item and collect it from you for the price asked.

There are also other local community websites that may be worth trying. One I belong to myself is NextDoor. This is primarily a forum for the discussion of local news, seeking/sharing recommendations, publicizing local events, and so on. However, you can also advertise items for sale on the site. Here’s a typical example…

Specialist Sites

There are also specialist websites that want your old tech and will pay you for it. This can be a quick and hassle-free solution, with the advantage that you know exactly what price you will be getting (the sites quote a price online and it is up to you whether or not to accept this). Most will also accept products that are no longer working, though of course they will pay a lower price for them.

One such site I used recently and recommend is Cash in Your Gadgets. I sold them my seven-year-old Samsung Chromebook. The item in question was still working but by modern standards it was slow and the display wasn’t great. I went to the Cash in Your Gadgets website and spent a minute or so entering some details. I received an instant offer of £18 for the Chromebook, which I accepted.

Okay, I know £18 isn’t a fortune, but I was pleased to have the money and get the device off my hands. Cash in Your Gadgets arranged collection by courier, who arrived the next day, put the item in a box, sealed it, and gave me a receipt. A few days later I got the promised £18 in my bank account.

Cash in Your Gadgets pay for laptops, Chromebooks, Macbooks, iMacs and desktop PCs, though not smartphones or tablets. If you have one of those to dispose of, there are various other options.

One well-known site that buys phones and tablets is MusicMagpie. They also buy consoles, tablets, smartwatches, Kindle e-book readers, and more. If you use my referral link you can get an extra £5 when you sell your first product to them (and so will I) 🙂

Other options include Mazuma and Sell My Mobile. My best advice is to try these and similar sites and see who offers the best price. When I wanted to dispose of my old Samsung J5 (2016) smartphone, I was surprised by how much the offers I received varied. I was offered between £25 and £40, and naturally opted for the £40 (which happened to come from MusicMagpie).

.When using these services you will need to send the item to them in a padded envelope or a box. You will have to provide this yourself, but the postage is normally free.

Data Security

Before disposing of any item that may contain sensitive information it’s important to erase any personal data, ideally by performing a factory reset. All the specialist companies perform a data wipe on receipt anyway, but it’s clearly advisable to do this yourself as well. If you are selling privately – perhaps via eBay or Facebook – it is essential to ensure that any personal data on the device is permanently erased and can’t be restored.

I hope this article has inspired you to gather together any old tech you no longer need and turn it into useful cash. As always, if you have any comments or questions, please do leave them below.

If you enjoyed this post, please link to it on your own blog or social media:

January 8, 2020

Get the Best Cashback Deal Every Time With CashbackAngel

Nick Making Money reviews 0 Comments

Regular readers will know I’m a big fan of cashback websites (see my post on How to Save Money With Cashback Sites, for example).

Cashback sites give you money back when you shop with a wide range of online retailers. In the UK the two best known are Quidco and Top Cashback, but there are others as well.

All cashback sites offer different deals which change frequently, so it can be hard to assess which has the best offer at any time. However, a new comparison website called CashbackAngel promises to make this task much easier.

CashbackAngel

CashbackAngel allows you to quickly check and compare deals on offer from cashback sites for any online retailer you may be planning to purchase from. It is therefore much more than just a website that lists and compares cashback sites.

I have posted a screen capture of the CashbackAngel front page below.

The main search box is at the top of the screen and lets you search for any merchant. Below this are example merchants showing the best deal currently available for each one, both in terms of percentage cashback and travel points (should this interest you).

Let’s say you want to find which cashback site offers the best deal for purchasing from Marks & Spencer. Enter the retailer’s name in the search box and click on the search icon. When I did this, the results below were displayed.

As you will see, in this instance CashbackAngel displays results from four different cashback websites: Top Cashback, Quidco, Kidstart and Virgin Money Back (If you’re not familiar with Kidstart – I wasn’t – it’s a site that pays cashback into a dedicated children’s savings account).

In this example, Top Cashback (along with Kidstart) looks as though it might offer the best deal, with cashback of up to 2%. Obviously you would need to check on the Top Cashback site to find out their exact terms. You can do this by clicking through the link on the CashbackAngel results page (shown above). When I did this myself, I found that new M&S customers arriving via Top Cashback get 2%, returning customers 1%.

As you can also see from the screenshot above, cashback is by no means the end of it. If you are collecting Air Miles, CashbackAngel lists a number of providers who are offering these in exchange for shopping with the retailer in question. And you can also earn Hotel Points for various hotel chains if that is your preference.

My Verdict

Overall, I was impressed with CashbackAngel. In particular, I like the way it compares offers in real time, so you can always see which cashback site has the best deal at the time of asking.

It is also good to see a wide range of cashback and rewards sites included – though slightly disappointing that the new My Money Pocket website (which I reviewed here) doesn’t appear to be included currently. Hopefully this will be added soon. [UPDATE: I just heard from CashbackAngel that they intend to add My Money Pocket by the end of January 2020.]

If you use cashback sites – and in my view everyone should! – CashbackAngel is well worth checking out and adding to your online bookmarks.

As ever, if you have any comments or queries about this post, please do leave them below.

Disclosure: Some links in this article include my affiliate code. If you click through and make a transaction, I may receive a commission for introducing you. This will not affect any rewards you receive or terms you are offered.

If you enjoyed this post, please link to it on your own blog or social media:

December 3, 2019

Make Money Testing Apps and Websites with Crowdville

Nick Making Money 9 Comments

Today I am sharing another great sideline-earning opportunity.

Crowdville started in 2014 in Italy, where they built up a thriving online community of over 30,000 members. In the last year or two they have launched in the UK and other countries as well.

Crowdville pay members to test digital products (both existing and upcoming) and report back on what they find. Members are paid for their feedback, their opinions about the user experience, and their bug-finding skills. The YouTube video below provides a quick introduction to the platform.

Joining Crowdville

Joining Crowdville is free of charge. All you need is a smartphone and an email account. Click through any link in this post to Crowdville and you will be presented with a registration form. This should only take a minute or so to fill in. Accept the terms and conditions and click on Register. And that’s it – you’re in!

Once you have joined Crowdville, you can sign up for ‘Missions’. These range from simple surveys to more complex bug-finding challenges. Payment for successfully completing a Mission is guaranteed.

You can also access Crowdville using a laptop, PC or tablet, and provide feedback via the website – but as most Missions involve testing mobile phone apps, you will need a smartphone in order to do this.

Crowders – as the company calls its members – are paid by bank transfer or Amazon vouchers. As long as you successfully complete a Mission – either by submitting a survey, sending screenshots or finding bugs – you are guaranteed to be paid.

Anyone is welcome to join Crowdville. However, it’s an ideal platform for technology enthusiasts, as you are able to test out a range of digital products and services before anyone else. You get an exclusive preview of upcoming app releases, put them through their paces, and then get paid for giving your feedback about them.

The work you are offered will depend on your location and other personal info, but you can always turn down Missions if for some reason they don’t appeal to you.

Community

One big attraction of Crowdville is that – as the name implies – it is community-based.

Through a private social media platform called Otium, you can meet and interact with other Crowders and Crowdville managers. This provides you with an opportunity to learn from others, and as you gain experience to offer support and advice to new Crowders yourself. This social aspect makes working as a Crowder more enjoyable and less stressful, especially when you are first starting out.

Additionally, once you’ve been accepted to a Mission, you are automatically placed in that Mission’s group. You can discuss the Mission here with others who are also doing it, and ask about any problems you may be having. As well as making the process easier and less stressful, this allows the community as a whole to learn from one another and improve.

Finally, there is even a reward for being a helpful Crowder. If you complete Missions and help other members, you can become a SuperCrowder. This allows you to earn more money and access other, higher-paying opportunities.

Summing Up

If you’re looking for a new sideline-earning opportunity – and especially if you enjoy testing and evaluating apps and websites – Crowdville is well worth a try. It’s free to join, and you can earn a steady stream of cash and vouchers. You can also make more money by introducing friends and colleagues and giving them the opportunity to earn from the platform as well. In any event, there really is nothing to lose by signing up for free and trying out Crowdville for yourself.

As always, if you have any comments or questions about this post, or Crowdville in general, please do leave them below.

Disclosure: I am a Crowdville member myself and the links in this post are referral links. If you click through and sign up, I may receive a commission for introducing you. This does not affect in any way the benefits you will enjoy as a Crowdville member.

If you enjoyed this post, please link to it on your own blog or social media:

November 25, 2019

Make Money From Your Shopping With ShopandScan

Nick Making Money reviews 2 Comments

For about three years now I have been a panelist with ShopandScan. This is an ongoing market research programme run by a company called Kantar Worldpanel.

I got an invitation to join ShopandScan in the post, but you can also apply directly if you wish (see below). I now receive £10 reward vouchers every few weeks just for scanning my shopping and my till receipts.

How it Works

After accepting the invitation to join ShopandScan, you receive a membership pack in the mail. This includes a User Guide and a barcode scanning device or ‘clicker’ (see picture above).

As a panelist, you use this to scan all shopping with barcodes coming into your home. You also scan barcodes in the User Guide to indicate who in your household did the shopping, the store concerned, and how much was spent.

There are also barcodes to scan for items that don’t have codes themselves, e.g. loose fruit and vegetables. Finally, there are barcodes to scan when an item is on special offer or part of a multi-buy offer. You can see a sample page of the User Guide below…

You have to upload the scanned data via the ShopandScan website once a week (at least). Full instructions are provided, but it isn’t rocket science. Basically you plug the clicker into a USB port on your computer and follow the instructions in the User Guide.

For doing this, you receive points. You get 1100 points a week for uploading the data from the clicker. In addition, you get 500 points a week for uploading scans of all your till receipts (unfortunately you don’t get points for each individual receipt). So each week that you do these things, you earn a total of 1600 points. Occasionally (e.g. at Christmas) they award extra points, to allow for the fact that it’s easy to forget at busy times of year.

The points accumulate in your account and once you get to 10,000 you can redeem them for a £10 electronic gift voucher. These are available for a variety of online retailers. I normally choose Amazon, as I buy stuff there all the time. However, you can also get vouchers for Waterstone’s, Halfords, W.H. Smith, and many more.

As well as getting points for uploading your data and submitting till receipts, you can get them in various other ways. One is by completing questionnaires about some aspect of your shopping.

Recently, I was offered a questionnaire regarding my purchase of own-brand almond milk from Morrison’s. They wanted to know why I bought it and when and how I intended to consume it. It only took a few minutes to complete and I got 300 points for this (equivalent to 30p).

There are other point-earning opportunities as well. Right now I am signed up to another project which involves allowing access to the browsing history on my smartphone. I know not everyone would feel comfortable about this but I don’t object personally (all data is anonymised) and it means I get an extra 500 points every week for no effort (it’s all done via an app).

You may also be offered the opportunity to take part in other studies. I did one a few months ago that involved completing a food diary listing everything I ate and drank for a week. Although I got points for this I found the task rather tedious, and declined when they offered me the opportunity to do it again. There is never any problem if you decide to turn down an invitation in this way.

How to Apply

As I said earlier, I got my invitation to join ShopandScan in the mail. I don’t know how they chose me or got my name and address.

However, you don’t have to wait for an invitation. If you wish to join ShopandScan, you can register for free at https://www.volunteer4panels.com. There is no guarantee that your application will be accepted immediately, as they aim to keep the panel balanced across age groups, locations, domestic circumstances, and so on. From what I have heard, though, once you have applied there is a good chance you will receive an invitation within a few weeks, or months at most..

Closing Thoughts

Clearly nobody is going to make a fortune from ShopandScan but it can be a great addition to your portfolio of sideline-earning opportunities. Once you get used to scanning your shopping before putting it away, it really isn’t much of a hassle. If you do some questionnaires and so forth as well, you can easily make over £100 a year.

As always, if you have any comments or questions about this post (or ShopandScan in general), please do leave them below.

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October 9, 2019

Review: My Money Pocket – A New UK Cashback Website

Nick Making Money, Saving Money reviews 0 Comments

I recently received an email telling me about a new (free) cashback site called My Money Pocket. As a fan of cashback sites I was very happy to check it out.

My Money Pocket is a UK site. It is therefore entering an arena currently dominated by what might be called the Big Two here, Quidco and Top Cashback.

As with those two sites, My Money Pocket offers members the chance to earn cashback by following links to a variety of online retailers. These are affiliate/referral links, and My Money Pocket receives commission for any purchases made by people clicking through them. My Money Pocket then shares this commission with the member concerned.

Getting Started

Before you can use My Money Pocket to get cashback, you do (of course) need to register on the site. All they require for this is your email address and a password. On the plus side, that makes signing up very quick and easy. On the minus side, I find it slightly odd that they don’t ask for your name, which means you can’t see this when you are signed in. That could be problematic if you share your computer with other family members, as you may not know which of you is actually logged in!

I did ask My Money Pocket why they don’t ask for a name when registering, and they said it was to avoid privacy issues. Personally, though, I would much sooner see “Welcome, Nick” (or whatever) at the top of the screen to reassure me that I am actually signed in to my own account.

Once you are logged in you can start earning cashback by clicking through the links provided to a wide range of online stores. Most of these are also available with Top Cashback and Quidco, but the cashback rates (and terms) are different – better in some cases, worse in others. As with all things shopping related, it really does pay to shop around!

The website looks bright and welcoming, but a large area at the top is taken up by an offers carousel, which personally I find a bit obtrusive. I thought the site navigation was okay, but not quite as intuitive as the Big Two. I would prefer a traditional tabbed navigation menu of the sort that is used on Top Cashback and Quidco (and many other websites), but maybe I am just being a bit old-fashioned.

There is a drop-down Categories menu at the top left of the screen. This takes you to cashback offers in the following categories:

Fashion
Food and Drink
Health and Beauty
Electricals
Travel
Broadband
Entertainment and Leisure
Utilities
Gifts
Mobile
Home and Garden
Free Cashback
Gaming
Shopping
Office and Business
Sport
Gambling

Within most of these categories there are sub-categories as well. Incidentally, ‘Free Cashback’ lists offers where you don’t have to spend money to get cashback – for example, you might just have to request a quotation for your car insurance.

As with Top Cashback and Quidco, once you have made a purchase with one of the merchants on My Money Pocket, you will then have to wait for your cashback to be tracked, approved, paid and credited to your My Money Pocket account. You will then be able to withdraw this money, either to your bank account (through BACS) or via PayPal.

One other feature is that you can refer other people to My Money Pocket and receive £5 cashback yourself when they have earned a minimum of £10 in cashback. Note that all links in this blog post include my referral code 🙂

Final Thoughts

It’s early days for My Money Pocket and the site is still to some extent a work in progress. Nonetheless, there is nothing to lose by signing up for free now and checking out the deals on offer. As I said earlier, I would recommend checking and comparing My Money Pocket, Top Cashback and Quidco to see which site is currently offering the best terms for any retailer you intend to buy from.

As always, if you have any questions or comments about this post, please do leave them below.

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October 3, 2019

Review: The Best 10 Low Cost Home Business Plans

Nick Making Money reviews 0 Comments

Today I am reviewing an e-book (and bonuses) titled The Best 10 Low Cost Home Business Plans by my UK blogging colleague Gerri Spiers. Gerri was kind enough to send me a free review copy.

As the name suggests, this is a guide for anyone hoping to set up their own business, whether to escape a job they dislike or simply to provide a route out of unemployment. Many of these businesses could also be run part-time to provide a sideline income and/or to fit in with childcare or other caring responsibilities. They could also work for older people or people with disabilities who may not want (or be able to cope with) a full-time job.

The Best 10 Low Cost Home Business Plans is a downloadable 112-page ebook in the standard PDF format. It is professionally written and presented, with illustrations where appropriate. There are also clickable hyperlinks to relevant websites and resources (this is a particular benefit of the ebook format, of course).

It wouldn’t be fair to Gerri to reveal exactly what all the businesses are. However, what I can say is that they are generally the type of business I see many ordinary people in my area running today, and they address a large target audience that clearly needs such services. These are not, for the most part, online businesses, but real-world local services for which there is a proven demand. They are definitely not get-rich-quick schemes. You will need to be prepared to roll up your sleeves and put in some hard yards – but if you do this, the rewards should definitely come.

Although (as per the title) these can be run as home-based businesses, many will also involve going out and about to meet clients, provide services, negotiate with suppliers, and so forth. As the title indicates, none of these businesses would be expensive to set up.

For each plan, Gerri sets out what the business involves, whom it is best suited for, the skills and/or qualifications required, and how much you may be able to earn. She also sets out a range of useful resources, organisations to join, and so on. The resources are predominantly UK based – not surprisingly, as Gerri lives here – but many of the plans would work just as well in other parts of the world too.

Gerri also goes into some detail about how to market the business in question. The book is particularly strong on this, with sensible, practical suggestions that will raise awareness of your business and help attract more clients to it.

In the opening chapter the book sets out some general advice about setting up a business. This is concise but sensible, and links are provided to additional resources for further information. Finally, the book closes with a chapter of useful websites, and some inspirational final thoughts that will have you champing at the bit to get started 🙂

One small criticism is that, while there is a table of contents at the front of the ebook, it is not hyperlinked to the chapters in question. For ease of reference and navigation this would have been helpful.

Bonuses

In addition to the main ebook, buyers get two bonus items.

The first of these is a 92-page PDF ebook titled 50 Tried and Tested Hacks to Help Grow Your Online Business (see picture below).

I was slightly surprised that the title of this ebook refers to online business, whereas the main guide is more about running a ‘real world’ business. It is, however an in-depth guide to promotional techniques that can be used to promote any type of business.

Each of the 50 ‘Hacks’ takes up one to three pages. In them Gerri sets out a particular marketing strategy or tactic followed by a single paragraph ‘takeaway’ which sums it up. For example, one suggested strategy is to offer a number of differently priced upsells. The takeaway for this is: ‘Offer a range of differently priced upsells to customers to increase the total of each sale. Upsells are complimentary or additional options on an offer a customer is already purchasing. Include at least one.’

I thought there were some great tips in this bonus guide, and some – such as using the word ‘only’ when quoting prices – that seemed to me rather stating the obvious. But then again, I am a 63-year-old semi-retired copywriter, so maybe what is obvious to me isn’t as obvious to someone who is just starting out!

One thing I did like about the bonus guide is that (unlike the main ebook) the table of contents at the front has active links.

The third and final bonus is a downloadable cashflow forecast spreadsheet, in Microsoft Excel format. Anyone who is planning on starting a new business should have one of these, as it will indicate the predicted flow of money in and out of the business, and highlight when and how any possible cashflow problems may occur. In addition, if you are applying for a loan from your bank or a grant (if you can find anyone offering these now!) you will need to provide one of these as part of your business plan.

Final Thoughts

Overall, I was very impressed with The Best 10 Low Cost Home Business Plans. If you are considering setting up a business from home and looking for some realistic ideas that won’t cost a fortune, there is no doubt you will find much to inspire you here. The plans are varied and don’t generally require any special skills or training. Whatever your background, whether you are male or female, old or young, you are bound to find one idea – and probably more – that could form the basis of a successful, money-making business for you.

The guide (and bonuses) should also represent a valuable resource once you have started your business, with lots of practical tips and techniques you can use to attract more clients for your business and grow your income.

For more information, click on any of the links in this review or click here to go to Gerri’s website.

As always, if you have any comments or questions about this post, please do leave them below.

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September 24, 2019

Review: SuperLucky Secrets by Di Coke

Nick Making Money, Everything Else reviews, competitions 2 Comments

Today I am reviewing a book (and Kindle e-book) called SuperLucky Secrets. It’s by my fellow UK blogger Di Coke, also known as SuperLucky Di.

SuperLucky Secrets is a guide to ‘comping’ – in other words, entering consumer competitions in the hope of winning cash and prizes.

Di is a highly successful comper, having won over £300,000 worth of prizes, including a Volkswagen Beetle, £7,500 cash and an all-expenses-paid trip to Brazil. She also regularly talks about comping on TV and radio, including BBC Breakfast, ITV Weekend and The Morning Show.

I am grateful to Di for offering me a review copy of the brand new (2019) edition of SuperLucky Secrets.

The book’s sub-title is 100 Tips for Winning Competitions, Contests and Sweepstakes. I must admit I was slightly concerned that it would be a book of 100 comping tips in more or less random order. Thankfully that isn’t the case, though. This is a well-organized and comprehensive guide to the art (or science) of comping.

The printed copy of SuperLucky Secrets that I received has 195 pages, plus some pages (e.g. the index at the back) that aren’t numbered. The book is organized in nine main chapters, as follows:.

The Basics
Get Organized
Tips for Finding Competitions
Tips for Entering Competitions
Tips for Winning Competitions
Tools of the Trade
Finding Your Wins
Tips for Staying Motivated
Don’t Even Think About It! [Mistakes to avoid, in other words]

There is also a glossary, a list of useful resources, and an alphabetical index.

I thought SuperLucky Secrets was very well written and edited (or self-edited). As a semi-retired professional writer and editor myself, things like typos and spelling or grammatical mistakes tend to leap out at me. I didn’t notice any in this book, so much respect to Di for that. In my experience it’s rare to read a self-published book that is written and produced to such a high standard. As my eyes aren’t what they once were, I was pleased to see a clear, sensible-sized typeface used as well!

Within each chapter there are a number of sections, each corresponding to one of the 100 tips referred to in the sub-title. In the chapter titled The Basics, for example, there are sections headed Get Online, Write a Wish List, Put in the Effort, Be Super Social, Always Read the Rules, and Believe You’ll Win.

The book takes you through everything you need to know to get started in a hobby that is enjoyable and intellectually stimulating, and that can generate a steady stream of cash and prizes as well.

Di doesn’t, however, pretend that all of this will just fall into your hands. You will need to be well organized and patient (especially at first), as you will be facing plenty of competition from other compers, and it also takes time for contests to be judged and winners notified.

As Di says in her Introduction, ‘Be patient. Some people think they can start comping on Monday and have prizes arriving by Friday!’ And she adds, ‘A brand new comper will take a while to get into the swing of things, but don’t give up if you’re not winning.’

As someone who used to enter competitions years ago, I thought there might be more emphasis on slogan contests, but Di says these have largely gone out of fashion among promoters now. There are still a few and Di highly recommends entering them, as this is one type of competition where you really can use skill to improve your chances of success. She shares some good tips on creating slogans, including some clever (and amusing) winning slogans of her own.

Di also recommends seeking out less well publicized competitions and ones where you have to buy some sort of qualifier, as this will greatly reduce the number of entries yours will have to compete against. And she sets out a range of online tools and resources (mostly free) that can help you find and enter more competitions and boost your chances of winning them.

Overall, if comping is a pastime that appeals to you and you would like to learn more, I highly recommend SuperLucky Secrets, especially in this brand new 2019 edition.

You might also like to check out Di’s blog at https://superlucky.me. You can sign up for her free email newsletter for compers via her blog.

As always, if you have any questions or comments about SuperLucky Secrets, please do post them below.

If you enjoyed this post, please link to it on your own blog or social media:

September 9, 2019

Review: How to Make Money Using Your Mobile by Kathy Cakebread

Nick Making Money reviews 2 Comments

Today I am reviewing a Kindle e-book by my fellow UK money blogger Kathy Cakebread titled How to Make Money Using Your Mobile. Kathy was kind enough to offer me a free review copy.

As you may gather from the name, this e-book is aimed at anyone who would like to boost their income using their mobile phone, generally by installing and using certain apps.

According to Amazon How to Make Money Using Your Mobile has 96 pages, though in practice of course that will depend on the device you are reading on and the font size selected.

My first impression was that it was well written and attractively presented. That being said, I was a little disappointed that there is no table of contents at the front. That makes it harder to navigate than it ought to be.

The book lists money-making apps in six categories as follows:

Survey Apps
Make Money Through Receipts
Get Paid to Shop
Make Money Doing What You’re Good At
Earn Money Through Cashback
Ways That Influencers Can Make Money

46 apps are described in total: 24 in survey apps, 4 in receipts apps, 9 in get paid to shop, 4 in make money doing what you’re good at, 3 in cashback apps, and 2 in influencers.

Within each category a number of apps/opportunities are presented. Kathy uses a standard format throughout for this, which is sensible. She starts with a phone screen capture of the app in question followed by a one- to three-paragraph description. Here’s a typical example…

The description is followed by a list of pros and cons for the app in question, and (in most cases) a download link. Again, here is an example:

In some cases the download link takes you to the website for the app, but in others it takes you to to the Apple (iOS) App Store. It is a pity there aren’t also links to the Google Play Store for Android users (like myself). This means the book is probably best suited for iPhone users. Android users can benefit from it as well, but they may have to search for the relevant app themselves in the Google Play Store.

On the plus side, I was amazed by the number of sideline-earning apps Kathy has identified. Some, of course, I knew about already, but many I didn’t. I can see I will be busy for some time checking out all these money-making resources!

I like the concise, well-written descriptions, which tell you everything you need to decide whether an app may be of interest. The list of pros and cons is also invaluable. Kathy appears to have tried all these apps herself (which would be a full-time job, I’d have thought) and she shares her advice and experiences using every app, good and not so good!

As the book’s subtitle, Get a side income for extra treats for you and your family, indicates, you won’t make a fortune from these apps or even (probably) enough for a full-time living. But you can definitely earn a valuable sideline income. Some pay in cash – usually via PayPal – while others pay you in Amazon (or other store) gift vouchers. (Personally, I’m a big fan of MobileXpression, which I wrote about in this blog post. It keeps on churning out £20 Amazon vouchers for me every few weeks, for doing no more than keeping the app installed on my phone.)

As indicated earlier, I did think the book could be better organised. In particular, I would like to have seen a table of contents at the front, with the content organised under proper chapter headings and hyperlinked. That would make it much easier to use as a reference resource. It would also be good if the apps described in each chapter were arranged in alphabetical order rather than (I assume) randomly.

Overall, though, How to Make Money Using Your Mobile is a great little e-book, and anyone hoping to boost their income is bound to find something of interest – and value – in it. At the current modest asking price of £2.99 (or free on Kindle Unlimited) it would make a good value addition to your sideline-earning library.

Even if you don’t have a Kindle e-reader, you can read Kindle e-books using Amazon’s free Kindle app or a range of other free apps and programs. This article on the Huffpost website provides a useful guide.

As well as How to Make Money Using Your Mobile, you might like to check out Kathy Cakebread’s Glitz and Glamour Makeup blog, which also has a section devoted to money-making tips.

As always, if you have any comments or questions about this post, please do leave them below.

If you enjoyed this post, please link to it on your own blog or social media:

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