NOTE This is one of the best hustles that I know. I’ve convinced a lot of people at each office I’ve worked at to become a student and get a TOTUM card. The amount of offers you can get are insane, the best being 10% off Apple, 10% off the CO-OP and half-priced Amazon Prime. If you are lucky enough to grab a card for 3 years when one of the loop-holes open, go for it! They’re worth every penny. As you’ll see from the strike-throughs, this post was actually written a while ago. The loop-hole then closed so this never got posted. Yesterday, it opened up again with a different method. I’ve now got my 3-year card coming in the post! So if you want to benefit from all of these savings, hurry! It might not last long. WARNING: It didn’t last long. Learndirect is now not recognised. Go to the comments to see if a new loop-hole has opened up. ...

This is a Saving Ninja savings report. Go to How To Track Your Savings to check out the Saving Ninja Super Spreadsheet. Please note that I split my expenses equally with my partner and the savings rate, house equity and house value represent my share only. The spreadsheet calculates my savings rate based off £12,000 worth of expenses per year, even though my expenses are actually Less Than 10k Per Year . This is to create a buffer; I’m aiming for at least 12k to reach financial independence. ...

This is a bank account switching offer. Read The Full Guide to Bank Account Switching for more information on how to make the most of offers like these. This generous offer from HSBC has been around for a while now, but since I’ve referred to it in a few different articles I thought I’d make an official post documenting the details. Before taking on this offer, be warned; it’s a tricky one due to the high pay in requirement and HSBC will do everything in their power to not pay you and stall. They’re the worst bank I’ve ever dealt with, so be prepared to ring them up if when need be. ...

Just like Matched Betting , switching bank accounts takes advantage of the free money that most high-street banks are now offering to switch to them. Once you’ve done some setting up, it can take as little as 10 minutes to complete an offer. With offers bagging you things like a pair of Free Bose Headphones or £125 cash the time value commitment is through the roof! It means bank account switching can clock in at over £600 per hour. If you’re not earning more than £600 per hour you should be taking full advantage! ...

Consolidating your expenses has long been a tradition in British culture. It stems back to the days where a father had to barter with other families to trade off his daughter as a bride in place of cattle or arable land. The daughter would then become the property of her new husband. Their finances then become one, “What’s mine is yours.” It was the wife’s duty to raise children; it was unimaginable for them to earn money, so the joining of the household finances had to happen. Of course - in the modern world, things happen a little differently. Women are now in high paying careers all over the world, their wages have almost leveled out , or in some cases surpassed males in the workplace. Couples are on an equal playing field, so why should this age-old tradition of consolidating your finances continue when each person is as able as the other? Here are the 3 main reasons why you should be splitting your finances equally and why doing so should be the go-to de-facto for FIRE pursuers. ...