Something for nothing
There's no such thing as a free lunch - or is there?
Often you can reduce the amount you pay by just changing the way you pay.
But sometimes you can genuinely get something for nothing.
You are unlikely to make much out of this (and if you appear to then there's probably a catch) but the odd few percent here and there always helps.
0% interest rate loans
Get money on an interest free loan and deposit that money - or better pay of other debts (e.g. mortgage).
The lender will hope that you will extend the loan beyond the interest free period and transfer automatically to a high interest rate.
Interest free purchase - usually pay nothing for 6 months. Not advised as you need to keep a record and pay off the loan on time.
Interest free credit cards - see CreditCards. This can be good as long as you don't treat it as your money.
Some payment methods return a percentage as cash back.
e.g. cashback credit cards - handy as you can use them for almost all purchases
Here you enter the retail site via a link from the cashback site and receive back a percentage or fixed value for the purchase
Enter the cashback site, search for the retailer then click on the link to that retailer
Worth checking for any on-line or click and collect purchase you intend to make
It is especially lucrative for recurring subscriptions or anywhere the seller might expect inertia to retain customers.
e.g. Insurance, film/tv streamimg, broadband, mobile, bank accounts, credit cards
Even Amazon gives cashback via these sites
The sites often have temporary special offers
These links are referrals.
This site receives a small sum and also you will receive a similar sum (up to £30) for signing up via ths link and using the cashback site
Web sites that pay you for clicks, searches
Sign up and get units to receive emails more units when you buy on-line or sign up through their links.
e.g. 6 Units per £1 spent at
3,980 Units for an American Express card.
1,365 Units for BT broadband.
Get 15,000 units and convert to cash ($25) or shares in the company.
Not a lot but something for nothing
Earn points by searching on shopping sites, get cashback.
Also get points for applying for credit cards
100 points = £1
Get 30ish points per day for searches.
500 points for an Egg card
1000 points for Morgan Stanley card.
Register via a link on this site and get an extra 500 points from RPoints.com.