Tired and Skint

Category: Make Money

  • Why am I going to change my life.

    In this post, I want to cover why and how I am going to change my life. My life is great in places and dire in others. I’m going to change the bad things, improve the good things and cut the fat.

    My past choices and current actions have led me to where I am in my life and if I’m not careful will define me. On my current trajectory, I believe that my future life with look like this:

    • Living pay cheque to pay cheque.
    • Constant stress and pressure.
    • Lack of purpose.
    • Lack of time.
    • Failing relationships.

    Obviously, it doesn’t sound great and if someone gave you a choice to live that future or a better, more prosperous future, I’d bet you pick the latter. Which is why things need to change.

    I’m having to reframe my mindset, not necessarily into a more positive one (I like to think I’m fairly positive already) but into a more future me mindset. I’ll touch on this more in another post but a brief summary below:

    My actions need to be driven from my future life and not my present life trying to define my future. I have a goal to earn £3k per month, net income into my bank. The present mindset is to try and earn that money from where I currently am. The future mindset is change my circumstances to get there, to cut the fat.

    A simple example – I spent 1 hour and 33 minutes yesterday doing nothing useful. Just scrolling and randomly checking emails, making a cup of tea and just floating around with no purpose. I could have earned £15 driving for deliveroo in that time or £15 training AI. It’s not much but it’s a start.

    So how do I change my life driven by the future me?

    The first thing is to set my future goals, I have 10 goals for the future (3 years from now). I’ve split them into 90 days chunks which I call “seasons”. I have 12 seasons to achieve my goals. My goals are lofty and on paper from where I am now, unachievable and almost laughable but to me that’s a good thing. By splitting them into 90 day seasons and much smaller objectives, it becomes more achievable and more appealing. My 10X 3 year goals can be found Here. On that page you can find links to each of my 90 day seasons as they are uploaded but I want to leave you with one goal as an example.

    Earn £20k a month net income. Hahaha. For context, I’m lucky if I get £1800 a month net. So as you can see unachievable, laughable, unrealistic. Or is it? My first 90 day season is to earn £3k per month net. I’m already over halfway there. £1200 to go.

    I can break it down in so many different ways to get to that figure.

    • Earn £100 a day overall
    • Earn £40 a day extra
    • Sell things on eBay/vinted
    • Deliveroo/Uber Eats
    • Second job
    • Ask for a pay raise
    • Opt out of workplace pension (£15 per week) please don’t do this.
    • Train AI
    • Surveys
    • Matched Betting

    So on and so forth, the point is that there are loads of ways to earn a bit more, just a bit of creativity and thinking outside the box.

    The main differentiator for me will be trimming that fat, the 1 hour and 33 minutes yesterday doing nothing, needs to be converted into doing something productive.

    7.5 hours a week (Monday to Friday) over 4 weeks is 30 hours. 30 hours at £15 an hour is £450 and that’s without optimising anything.

  • Is £10 a lot of money?

    Yes and no.

    I pondered on writing this post for quite a while and decided that it was worth writing even if it’s to prove a point around perspective. In reality £10.00 doesn’t get anyone very far. Most people’s biggest expense is their mortgage or rent and when you compare that to £10, £10 is probably close to 1% in of their mortgage/rent in most areas of the UK so when you put it like that, it’s not a lot of money.

    I used to stress a lot about money, more specifically not any. Countless sleepless nights, waking up early on pay day to move money around before any company to take money off me, thinking I was in control bit in reality I was just avoiding my money issues and the issues were compounding but that’s not a sustainable way to live and it’s stressful. It takes its toll in more ways than you think, including your personal relationships.

    One of my money managing methods is now to break things down into £10 increments but I’ve found it only really works if you use that money wisely. That can include going to the pub or whatever you like but only if it’s planned correctly.

    Examples of what £10 can get me:

    1. My phone bill for the month (SIM only)
    2. Almost a monthly Netflix subscription
    3. Monthly Amazon prime membership
    4. 3 days of fuel
    5. Almost a monthly Spotify Premium Subscription

    Now I’ve purposefully listed the “fun” things above and the reason for that is setting aside or earning an extra £10 isn’t going to pay your mortgage but it is going to pay for those things listed above.

    I’ve talked about what the £10 increments can pay for but I haven’t talked about what £10 increments can do for your stress levels and your financial well-being. £10 a day over the course of a month is £300.

    £300 pays my energy bill in full and still leaves (a small bit of) change. It can pay for my water bill, 2 sets of car insurance and tax and still have change. Actually it can pay for at least 2 things a month, the only exception is our rent which it can’t do unfortunately.

    Instead of stressing and focusing on money I don’t have, I focus on money I could have and it’s liberating.

    I find £10 a day to be just about the right amount of money that anyone can focus on, it’s big enough to make a meaningful impact but small enough to feel achievable daily. I made £20 yesterday selling lamps I no longer need on Facebook, I have £48 sat in Vinted Vinted Review: Here and £20.05 selling books on world of books (review pending once complete). That’s £88.05 in a day.

    Is £10 a lot of money to you?

  • Prograd Review: Earn £10 Today

    So here is my honest Prograd Review. Prograd is a new one on me and I’ve been playing with it for a little while to try and optimise what I can make from it.

    The whole design concept of Prograd in my opinion is for them to act as an affiliate/referrer to various different companies. There isn’t anything wrong with this but I can’t help wonder if they have tested out the products/services they are referring to you. Some of the products they refer you to are just incredibly difficult to actually monetise, with high payout thresholds. You’d have to basically work full time on some sites to even get £10 which is obviously not viable and incredibly frustrating.

    However, as Prograd rewards you for viewing the product, signing up and completing some very basic tasks, you can make around £20 in one day with very minimal effort. This money can then be withdrawn to PayPal and although they say it takes 3-5 working days, my withdrawals were virtually instant.

    A brief overview of how it works:

    Once you have signed up, you are taken to an offers page. These offers are static so don’t worry if you click off one by accident or even want to have a look around first, they’ll still be there when you want to come back to them. Each offer you look at and click the external link to, Prograd will pay you 10 ProPoints (£0.10) and with around 50 offers to view at any time, you’ve made your first £5.00 (£5.00) to go. Sign ups are generally worth between 20 and 50 points, so you will need to sign up to a few to get yourself up to the £10 threshold. The good news is, a sign up can just be registering your email and phone number without having to pay for anything. Some of the sign ups are however free trials which you will need to remember to cancel at the end of the free trial.

    Generally speaking once you have completed the majority of the offer, you will receive an email inviting you to review the product. Don’t ignore these, this is where the majority of your points will come from without having to do much. I’ve found that the more positive the review about the product is, the more points you will be credited. The maximum points available per review is 150, so with 7 product reviews you can cash out another £10.00.

    Overall, I’m an hour you can earn £10-£20 depending on how committed you are. It may take around a day to pay out but it’s an hours work. A little more effort and patience and you could walk away with £50 on average over the course of a week. The beauty of it is once you have signed up and done what is needed their end, you’re just waiting for it to track and show up in your ProGrad account.

    It’s never going to make you rich but it is going to give you at least £20 you didn’t have before.

    You can sign up for ProGrad Prograd – Sign Up

  • The Biggest Income Boost

    The whole website is dedicated to provide people advice on how to make money, save money and live a better life. Often, when people come to this site they are looking for a way to earn extra money but the one sure fire way to make extra money is to get another job. You can take that one of two ways, get a higher paid, better job or quite literally, get another job on top of the one you already have.

    Now everyone’s circumstances are different and realistically getting a second job isn’t going to work if you are sole carer/parent unless you have some very helpful grandparents.

    I want to try and give a little perspective here. If you’re on a minimum wage job, try and get one that’s above minimum wage. You probably read that and wanted to scream as is so blatantly obvious and probably a little insulting but let’s just think about it for a second. Let’s say you work in a warehouse, there’s a warehouse across the industrial estate pay £0.50p per hour more, you probably wouldn’t apply. You like where you work, the people are nice, you’re comfortable but that 50p an hour over a 40 hour week and 52 weeks a year is £1,040 you’ve just lost out on. Even if you want to calculate the extra after tax, you’re around £832. I’m going to holiday to Crete in May for £699, that pay rise would pay for it. Not a warehouse worker? Same applies for coffee shops, shop assistants, anything like that.

    A second job, the idea of it puts most people off and there are tax implications if you already earn over your tax free allowance. More often than not you will be put on a basic rate (BR) tax code meaning you are deducted a straight 20% tax with no tax relief, your tax relief is already included in your primary job. This means for every £1 earned in your second job, the government initially taxes you £0.20 leaving you with £0.80 to take home. However, every tax year you can claim a tax rebate for any overpaid tax which is highly likely if you have 2 jobs or more.

    My advice is to do both, find a higher paid primary job and find a second job, even if the second job is only for a few weeks to try it out or until you get that higher paid job.

  • Are you missing out on FREE money?

    When I lost my job in April 2024, we came a bit stuck financially. We didn’t have any money to fall back on, we were living pay cheque to pay cheque, always one step away from financial disaster and this was the disaster.

    I had everyone’s worst nightmare, not being able to pay the bills. I had every man’s worst nightmare, not being able to provide for his family. So I swallowed my pride and asked for help, help in the form of benefits for the government. I arrived at the Department of Work and Pensions (DWP) office, terrified. Feeling judged and unsure of what to expect I walked in, sat down and patiently waited my turn, I was then met with a lady who tried to be helpful however, I left with more questions than answers. Fast forward a couple of weeks and I received £745 in housing benefit which saw us through to the following much, by which point I was back in employment. I will go into my experience in more detail but that isn’t the purpose of this post today.

    Last night, I was lying in bed next to my wife, talking about money and we got onto the topic of benefits. We both know people who are claiming benefits who are quite content on continuing on claiming them for as long as possible without actively looking to change their circumstances for the better. It piqued my interest and I was curious to see how people are able to live solely off benefits.

    I just want to be very clear here before I continue, I am not criticising anyone who is claiming benefits, in fact I’m actively encouraging you to check if you are entitled to any additional help.

    I started to look into the UK benefits system to see if we were entitled to any additional support and it’s a minefield. It appears simple in principle but it becomes overly complicated and difficult to calculate accurately as soon as you factor in partners and children. You could married and have children, if you don’t choose a primary caregiver (even though you split it 50/50), you lose out on some money in your benefits award. Madness.

    Then I came across an absolute gem of a website, Turn2Us. Turn2Us is a charity, they have a benefits calculator, simply input your information (don’t worry it’s anonymous) and it does all the calculations for you. So, I filled in all of our information and we’re not entitled to anything other than Child Benefit which we already claim but I was curious and so I played around a little bit and these were the results.

    • If we had another baby – £245 a month extra.
    • If we both quit our jobs and did nothing £1700 a month.
    • If we earned £400 a month each, £1600 awarded plus we would have £800 earned income.

    Now I’m not for one second suggesting you quit your job and live off the state but the two major points that stuck out for me.

    1. There are things you can potentially claim for that you wouldn’t think you could. Take an extra child for example, I was gobsmacked to see that we would be entitled to £245 a month. If I didn’t play about with the calculator, I would never have known and we would never claim.
    2. No matter what you current circumstance please check your eligibility to claim and check every time your circumstances change. You never know.

    Here is the link again Turn2Us

    Good Luck!

  • Vinted Review: Is it worth it?

    I think so. Will it make you rich? Probably not.

    Vinted is a marketplace where you can sell your old clothes, tech and accessories. The concept is fairly simple and it is worth doing just don’t expect to make a fortune.

    All you need to do is take some photos, upload them onto the app, write a brief description around size and general condition, colour, set your price and click upload. Buyers can then view your wardrobe and if there is something that they fancy either pay the asking price or send you a counter offer (you can decline). Once you have accepted an offer, the buyer pays. You package the item and take it to the nearest drop off point, normally the post office or an InPost locker. No labels required, they do that for you in store. The buyer receives their item and has 2 days to confirm they are happy with it before Vinted automatically approves it on their behalf.

    Most of the things you list on there aren’t going to bring you top money but if the alternative is chucking them in the bin or donating to charity then you may as well try and get some cash for them first.

    Non designer clothing can fetch anything from £1 to £10 if you’re lucky but generally around £3-£5. Low end designer clothing really does depend on what brand it is but I’ve been selling used Jack Wills polos at £5 with great success. I have a Gant shirt on there at the moment listed for £20 with plenty of views and favourites but no purchase just yet. I have known people sell Canada Goose or Moncler jackets on the for £50 which is a lot for Vinted but I can’t help feeling that it’s cheap for the jacket itself.

    If you think of Vinted as a bargain website you won’t go far wrong. If you’re expecting to sell things for half the price you originally paid, you’ll be disappointed but if you look at it as another £5 in your pocket every time something sells you’ll be delighted and filled with excitement every time a notification pops up on your phone.

    Overall it’s a good little app that will help you financially (even if it’s not much) and also help you declutter your wardrobe.

    If you want to get started you can use my link Here.

    Top Tips:

    1. Make sure you list a minimum of 5 items straight away. This gives you a frequent lister badge straight away and boosts your profile visibility.
    2. Take good quality photos, I prefer to take pictures of shirts/tshirts on coat hangers.
    3. Make sure clothing is ironed, nobody wants to buy something that’s creased.
    4. Price a little higher, everyone loves to offer a little less than you’re asking. If you want to sell for £3, list it at £5!
    5. Once sold, post quickly. Don’t buy parcel bags as this eats into your profit. Instead use a bag for life, Morrisons cost 40p when you do your shopping which is cheaper than a parcel bag which can be a £1 each!

    Bonus Tip:

    You can refer your friends using your invite link and if they list 3 items for sale, you get a £5 voucher to spend on Vinted. If they sell an item in 30 days, you get an additional 5 x £2 vouchers to use on Vinted.

    Good luck and happy selling!

  • FREE £10 weekly giveaway

    My goal is to add value to people’s lives. I’ve spent a long time scouring the World Wide Web looking for ways to make money online and it would appear to me that generally speaking there is always a catch.

    There is a lot of paid online material, courses, and offers promising to help you make you money online and the truth is, it’s true they will help you but conveniently they leave out the hard bits and even more conveniently they ask you to hand over your money before you find this out.

    I’ll give you a few examples:

    Affiliate Marketing:

    For those of you who do not know what affiliate marketing is, in a nutshell it’s the idea of promoting a product through an affiliate link and when a customer buys the product the seller gives you a commission. If the seller is offering a 10% commission and the product is £100, every time a customer buys that product using your affiliate link the seller will give you £10. Now this model does work but what happens is the person who is introducing you to the world of affiliate marketing is generally selling you a piece of software which they turn are getting an affiliate commission from getting you to buy it in the first place. At the same time they often offer you a discounted course or a free e-book on how to become a “6-figure affiliate” whilst leaving out the hardest part, generating traffic to your affiliate link and fundamentally there are two ways to generate traffic.

    • Paid traffic: essentially paying for adverts to display your website and affiliate links meaning your spending money you probably don’t have on something that’s unlikely to generate any sales or enough sales to keep you motivated.
    • Free traffic: it takes a long time to generate any meaningful traffic to your link, it’s unlikely you’ll get a sale within 6 months meanwhile the marketing guru that has introduced to affiliate marketing has benefited from 6 months of commission whilst you try and get your affiliate marketing business off the ground.

    Avon/Utility Warehouse:

    Both have been around for quite some time and both involve selling products to the general public. This way of generating extra money for you and your household is marginally better the affiliate marketing however it is a mix of affiliate marketing, direct sales and referral marketing. It’s split into two main channels, sales commission and affiliate commission.

    Sales commission, you get a percentage of every product sold, let’s use the 10% commission example on £100 again, for every £100 of product you sell with Avon, Avon are giving you £10 commission.

    The affiliate side of it all is that you refer people into your “down line” and then you earn a commission on every they sell, it could be 2% or 20% it all depends on the company you are working with.

    You think great, I’ll sell it a bit, recruit some people into my down line and earn off their sales too. Soon I’ll have 100 people in my down line and I’ll live off that but what happens when you run out of customer or people to recruit? Have you ever noticed both start with hosting a party or recruiting yourself. Ask friends and family, post on Facebook. What generally tends happen is even if you can sell to your friends and family, once that’s done you’ve run of customers, you post of Facebook you get 2 people interested and you are ignored by the rest so you keep posting and then suddenly your Facebook friends count starts to go down and people are snoozing your post because they’re sick of seeing it.

    The truth is every product and every service has a catch and a motivation but people tend to hide their motives, hide what they’re really after. So what’s my catch?

    This is a new website and all websites need traffic to succeed, to maintain operational. As I said in my opening line, I want to add value to people’s lives but also to my own life, to my family’s life. I want to do this full time, I don’t want to work for people, I want to work for myself. I don’t want to be scouring the internet trying to find ways to make money and grow increasingly frustrated by the false advertising and half truths. I want to provide the genuine ways to make and save money. An honest and transparent service that anyone can use.

    Enough waffle,

    THE CATCH:

    The reward: every Friday I will giveaway £10 to one person picked at random, via PayPal.

    Concerned about subscribing for any reason? Think you be receiving daily emails or not quite ready to hand out your email to such a new site? Create a brand new email address, use gmail or outlook whoever you like. PayPal payments require an email address to send money to and your email also acts as your entry to the free weekly £10 giveaway. For as long as you are subscribed you are in the draw.