No Cash, No Problem: 44 Ways to Boost Your Finances When You Have Little or No Savings

Do you want to make some extra cash legitimately and quickly? Learn how you can pocket extra income with our 44 money-making tips. You know that ‘rainy day’ people save for? Well for most that day is now. But most households have little or no savings. If that is you, read on.

Here’s the thing. No financial products create wealth. Only people create wealth. Avoid financial product salespeople and create your own wealth instead.

1. Create a Side Hustle from your hobbies and interests and make money from it online.

One way to increase your income is with a side hustle. This will likely start out as something that you do part-time while you are still working at your original job, with our help, you may be able to grow it into something that you do full-time. 

Find something that you love and that you are good at and try to start working at it. Start a blog or online business. Set up a website and sell from it for less than £25 per month. Here are some other side hustles:

Answer an ad. For a local business looking for part-time help.


Dog walking or pet sitting.

If you are savvy with computers and coding, you may be able to charge £50 or more per hour helping businesses with their websites and social media.

Moving People. Check out for lumping gigs, help people pack, load, and move their stuff.

Catering. From selling garden produce and jams to the neighbours to being a personal chef for friends.

Handy person service. If you know how to fix leaky pipes and toilets, patch holes in walls, replace doorknobs, and do things like that, you may be able to make money by doing such small jobs for people.

If you are a musician, you might consider doing a few gigs.

Voice-over work.

Editing and proofreading.


Sewing and ironing services.

2. Check your benefit entitlements.

You may be entitled to Universal Credit or additional support through covid-19

3. Reclaim Tax Owed.

Many payments are made to you with tax deducted at source, like interest on PPI claims, payments from pensions and interest on savings. If you have low income and are a nil-rate-taxpayer you may be able to claim this back from HMRC

4. Check for lost bank accounts.

Trace lost money. This is a free service to trace lost bank accounts.

5. Trace lost pensions.

Pension tracing service, you need to be over the age of 55 to access the money.

6. Have You Ever Been Mis-sold a Financial Product?

Write and complain. Even if the adviser is no longer around, you may be entitled to compensation. See

7. Sell stuff online.




Facebook Marketplace

8. Complete paid for opinion surveys.


Valued Opinions


9. Sell photos online.




10. Become a tasker or sell services online.

Sell tasks with Taskrabbit



11. Review stuff for cash.

Music: Slicethepie

12. Rent out stuff.



13. Unlock cash on unwanted gift cards.

Sell gift cards on Card Yard

14. Refer a friend.

Get paid for referrals with Refermehappy

Or join affiliate websites

15. Enter free competitions.

Magic Freebies

Latest Free Stuff

16. Get paid to browse.



17. Test products for cash.

Paid Product Testing

18. Use money making smartphone apps.

Job Spotter Roamler Toluna Fronto Pocket Bounty Receipt Hog Swagbucks Voxpopme

19. Cash back websites & Earn from Receipts.



Quidco’s Click Snap

TopCashback’s Snap & Save

20. Mystery shop.

Mystery shoppers

Market force

21. Rent out a spare room or host a foreign student



Or rent out your home on a short-term basis.


22. Rent out your home for films.

Amazing Space

Or host photo shoots from your home.

23. Advertise on your car.


24. Make money from your driveway.



30. Get paid for spare storage.


25. Recycle old clothes.

H&M’s garment collection initiative

M&S’s Shwopping

Or sell baby clothes.

National Childbirth Trust sales


26. Sell old Lego.



Brick Owl

27. Sell old gold and jewellery.

28. Recycle print cartridges.



29. Recycle your mobile phone, tablets, Kindles, and smart watches.


Mazuma Mobile

Music Magpie

30. Recycle old CDs, DVDs and Computer Games for cash.



31. Recycle old books for cash.




But if you want the most cash for your books, check out getting rid of your old books usingBookScouter.

32. Have a car boot sale, garage sale, or yard sale.

Car Boot Junction

33. Set up your own blog with ads.

Google Adsense

34. Sell what you make online.





35. Detox your bank statement.

Check banking records for unwanted standing orders, direct debits, and periodic debit card payments. Cancel them. Apply for covid-19 payment holidays on credit cards, loans, and mortgages. Detox your weekly shop.

36. Sell Your Property. Downsize your house. Sell unwanted second properties. Downsize your car or other assets.

They are inefficient as an investment from an expense, maintenance, repairs, concentration risk, taxation, insurance, and liquidity perspective. Cash flow is halted during periods when their property is un-rented. There are simpler, hassle-free, better return, less risk, less tax, less cost options.

38. Junk Hauling.

Remove other people’s junk, sell what you can using the above and tip the rest.

39. Tutor.

What you know, others want to know. Whether it is extra tuition for kids, or teaching music. Or teach online.

40. Driving.

If you like driving and have a clean car, you might try making extra money by driving for a ride-sharing service such as Uber.

41. Business Consulting or Grant Writing.

Consulting can be a way to make a meaningful sum on the side, if you have some business insights that companies will pay for. If you’ve had some success raising money through grant-writing, or if you’re willing to learn how to be a successful grant-writer, you may be able to make some good money on the side by offering your services to companies needing them.

42.Get paid to watch movies.

Do you like watching videos in your free time? Now, you can get paid for watching videos including movie previews, news, celebrity videos, and all kinds of other videos.


43. Sell your junk mail.

Do you love getting junk mail? If you’re like me, you probably don’t – that’s why we call it junk! Other than recycle, trash, or burn it in the winter what can you do with it? The Small Business Knowledge Center is a market research company that will take your junk mail and email and give you a Visa prepaid card.

44. Avoid Financial Salespeople

Avoid buying any products from banks and financial salespeople. All financial products diminish immediate wealth in return for a promise for a future benefit. None create wealth. They manage wealth or redistribute wealth. Please take regulated advice before cancelling any regular financial product payments.

These ten ideas are pointless when you have little or no savings, or worse still cost you more than you save in bank charges, punishing interest rates, and inflation loss. These ideas make you poorer today for potential savings tomorrow. Remember, in a crisis you need money now!

1. Boost your savings rate by shopping around for better interest.

2. Switch bank account for cash or vouchers.

3. Use Your ISA Allowance.

4. Cash back credit cards.

5. Premium bonds.

6. Paying off debt on credit cards, loans, and mortgages at more than minimum payments.

7. 0% purchase credit cards. These are a trap to suck you in to debt.

8. Lend your cash using p2p websites.

9. Investing for better returns.

10. Using a better fund supermarket.

If you want to become a non-intermediating financial planner for an immersive experience in a different worldview, contact us today to find out how the Academy of Life Planning can help you transition from Financial Intermediary to Non-Intermediating Financial Planning firm.

☎️ 07850 10 20 70
📲 Direct Message

Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s