Bank Rewards: £20

• Santander Lite Bank Account: £4
• Halifax 1 Reward Account: £5
• Halifax 2 Reward Account: £5
• RBS My Rewards: £3
• Natwest My Rewards: £3

Interest on Savings: £20

• RBS Regular Saver: £9
• Natwest Regular Saver: £9
• Other Savings Accounts: £2

Cashback: £58

• AMEX Credit Card: £47
• Casual purchases: £11

Decluttering Sales: £34

• XBOX One Minecraft Game: £8
• XBOX One Call of Duty: Ghost Game: £5
• XBOX One Assassins Creed Odyssey: £4
• Ozone Purifier: £17

Month	Free Money Earnings	+/- Monthly Target (£125)	Accumulative	to Year End Objective (£1,500)
January	£219	+£94	£219	£1,281
February	£210	+£85	£429	£1,071
March	£185	+£60	£614	£886
April	£298	+£173	£912	£588
May	£188	+£63	£1,100	£400
June	£65	-£60	£1,165	£335
July	£96	-£29	£1,261	£239
August	£60	-£65	£1,321	£179
September	£532	+£407	£1,853	+£353
October	£411	+£286	£2,264	+£764
November	£132	+£7	£2,396	+£896

£132 Free Money made in November 2024. Not that monthly targets matter much anymore by now but that is £7 over £125 anyway. 2024 is turning out to be a great year bringing home £218 as a monthly average.

Bank Rewards. £20 is a given from collecting bank perks. I have five accounts contributing and I am not planning on any changes in any direction. My funds and direct debit payments flow in and out automatically to and from these accounts leaving behind a trail of reward crumps.

Interest on Savings. Another £20 split as £9 from Natwest, £9 from RBS and £2 from a Simple Saver account opened via Moneybox. I need £13 more to reach the £150 objective and I know I will get another £20 in December. That is to say that I will be a few pounds in the clear as regards as to this particular Free Money Stream.

Cashback. A little bit of spending using my AMEX credit card delivered another £47 cashback. I also received £11 via TopCashback from casual purchases.

Decluttering Sales. My kid gave me a bunch of videogames he no longer wanted. Having listed them all, they are shifting at pace. Alongside these, I also sold an air purifier device which was a surplus to requirement. £34 sales money takes me to £603 from selling my clutter in 2024. Happy with that.

All my earning objectives are met by now. Even though I am winding down, free cash keeps coming in on its own. That is £2,396 from January to November which is officially the second best year on record after 2021 (£3,406). The Free Cash Fund is now £10,444. I am guessing I could make some good use of it but it will remain untouched. Remember that it should not be there to start with. I am going to sit on it and see where this journey takes me. More to come.