Bank Rewards: £24

• Santander Lite Bank Account: £5
• Halifax Reward Account 1: £5
• Halifax Reward Account 2: £5
• Barclays Blue Rewards: £3
• RBS My Rewards: £3
• Natwest My Rewards: £3

Interest on Savings: £22

• Barclays Rainy Day Savings Account: £16
• RBS Regular Saver: £3
• Natwest Regular Saver: £3

Decluttering Sales: £43

• Kids glasses: £8
• Tennis Racket Bag: £9
• Tennis Racket Bag: £14
• Used tennis Balls: £12

Cashback: £250

• Junior ISA: £250

Bank Switch Rewards: £125

• TSB Bank Switch: £125

Free Money Income Stream	Contribution	% Weight
Bank Rewards	£24	5%
Interest on Savings	£22	5%
Decluttering Sales	£43	9%
Cashback	£250	54%
Bank Switch Rewards	£125	27%
Total	£464	100%

April 2023 Total: £464

£339 over £125 monthly target

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Month	Free Money Earnings	+/- Monthly Target (£125)	Accumulative	to Year End Objective (£1,500)
January	£124	-£1	£124	£1,376
February	£42	-£83	£166	£1,334
March	£146	+£21	£312	£1,188
April	£464	+£339	£776	£724

2023 Free Money Earnings: £776

£724 to £1,500 Annual Target

I managed to catch a break and gathered £464 pounds Free Money in April 2023. A more decent reward for my effortless activities this month. All free money streams contributed into their pots but the main highlights are a whopping cashback payout of £250 and a bank switch bonus of £125.

Banks rewards. No news is good news. £24 a month passive income does not seem like a lot but it works out close to £300 pounds a year. My objective is £250 and I am confident I will deliver. On target.

Interest on Savings. I am keeping and growing my savings so as long as they remain untouched and all things being equal, I will see a small proportional increase. As a matter of fact, this represents £300 pounds a year for working capital. I see very limited opportunity cost as this money is committed for expenditure in the short term. £25-ish per month is a good enough deal for me.

Decluttering sales. Absolutely nought for months but April brought in four sales. I guess the good weather is much more inviting for outdoors activities and three tennis related sales support that statement. £43 pounds from not needed items is ok but I am still £400 away from reaching my annual target. I will need some focus on this department.

Cashback. I cashed in on my biggest single cashback reward I can recall. I received £250 for opening and funding a Junior ISA for my son. I have elaborated in full detail on the post £250 Cashback for opening a Junior ISA. I am breaking all records in the cashback box this year. So far is £400 pounds and there is plenty more left to collect. Good, good, good.

Bank Switch Rewards. Last but not least, TSB credited my account with a £125 cash reward for switching bank accounts. It also deserved its own post in order to capture the whole process in detail TSB £200 Bank Switch Reward + £20 Cashback. All things going according to plan, I will find myself £220 better-off on this deal only.

I wish Free Money earnings came in a more levelled fashion but months like this bring a smile to my face nevertheless. The counter shows £776 in the first quarter of 2023 or £194 per month as an average. The bar is set at £125 per month and I find myself half way to reaching my £1,500 annual target. Great numbers and all kinds of reasons for feeling upbeat. May is looking good already. I am touching a Grand earnings with my fingertips…