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Most of us find ourselves in financial difficulty at some stage of our lives. Unexpected bills, birthdays and special events can leave us with less money in the bank than we’d like.
If you’re on a salary or a set wage, you may think there’s no way to raise money without a loan, however, you may be sitting on money you didn’t even know about.
Here are five ways in which you could make money today, using what you have and without getting into debt.
Millions of people pay too much tax every year, simply because they don’t realise they can claim tax back on things like tools, uniform laundry, mileage, travel and supplies. If you pay tax there’s a good chance you could be owed a tax rebate and it’s not a sum to be sniffed at. The average pay out is £600 with some enjoying rewards of thousands. It’s money that’s rightfully yours and it costs nothing to claim with a reputable tax rebate service.
A lot of us have items that we don’t realise are high value. This is why it’s a good idea to organise your shed, garage or barn and cross reference with the trends on EBay and other auction sites. Old stone troughs can bring you thousands of pounds, while an old boxed toy, or even Disney VHS tapes can be worth a pretty penny. The value of items you’ve earmarked for rubbish should not be underestimated. You don’t have to stick to EBay to sell your items either. It costs nothing to list items on Facebook at the moment, so you should take advantage of this.
There’s no longer a rag and bone man parading the streets but there are still people and companies who will pay you for your unwanted clothes and fabric. You can even be paid for selling your hair, so if it’s time for a restyle you’ve nothing to lose.
If you’ve set up in business in the last few years you will have no doubt progressed through a research and development phase. You can earn tax credits for this, up to £30,000. They’re known as R&D Tax Credits and with the right company it’s completely free to claim.
Even if your turnover isn’t above £75,000 you can still register for VAT. When you register you’ll be able to claim back the VAT on purchases made over the last few years. This can amount to a pretty penny. It does involve more paperwork though, and it’s a one off payment, however it can get you out of a sticky spot if you’ve been considering registration.
Cashback sites can be ideal for making money as you shop for everyday items. All you need to do is set up a profile and click through the site before you start your shopping. It’s said, on average, users earn £300 a year. That’s not to be sniffed at.
Although I wouldn’t advocate gambling as a way of making money (as you’re sure to lose), if you have a lot of self control you can take advantage of the free offers from some online casinos. The trick is to stop when the free credits run out so you don’t use any of your own money. Many offer these credits as an incentive to get you onto the site hoping you’ll be sucked in enough to part with your hard earned cash.
There are a lot of freelancer marketplaces online that are looking for people with your skills. Whether you can craft a legible business letter, you can sew bunting, you can put up shelves or balance books, you are in demand. They’re great for a little pocket money and who knows, you may just find your calling.
TV companies actively seek properties where they can film programmes and films. Most properties are considered and they do pay handsomely. You could even earn a little more by putting yourself forward as an extra too. This is the ultimate way to work from home.
The best way to earn money is to save and to live within your means, but we’d be a boring race if we all followed the rules and didn’t splurge occasionally. Check back here when you have an unexpected expense or need a little cash injection without getting into debt.