November 2025 Free Money Earnings

£368 Free Money in November 2025 comprised of: £208 from Free Money Streams, £103 gains from the Free Cash Fund and £57 from interests accrued in the Stoozing Fund. As of the 1st of November 2025, I have made £1,881 from Free Money sources alone against a target fo £1,500 for the year so everything over and above is a bonus. Despite all this, I am still trailing behind in Decluttering Sales (£404 vs £500 target) and Bank Switch Promotions (£125 vs £200). With only one month to go, it looks unlikely that I can bridge these gaps but I fully intend to give it a final push though.

Bank Rewards. Down to a pitiful £6 from two bank accounts. Just annoying more than anything really. Banks are cutting down on perks and that is a sad fact I have hard evidence of. This is where I see myself now from the £20-ish I was making back in January. Nothing lasts forever I am afraid. Not sure if I will be able to turn it around. Let’s swiftly move on.

Cashback. As the month goes by I am always wondering if I will be able to sustain the cashback made via AMEX the previous month. I seem to be pulling it off somehow because with my current levels of expenditure, I am making around £60-70 per month on a consistent basis. This month was one of the good ones delivering £70 in profits. Nice.

Decluttering Sales. Slooooow pace of sales. Not all that bad considering that I somehow made £40 net profit from 3 eBay sales. A slow cooker (no pun intended here), an old apple ipad and a used womens coat. All these items served their purpose in the household and now they are having a second life elsewhere. Always happy to trade goods for cash and help the environment in the process. Everyone is a winner.

Promotions. As you may already know, last month I got credited the first £100 of the Co-Op Bank Switch Promotion (see post The Co Operative Bank £175 Switch Promotion). I can get another £75 to the tune of £25 per month just by depositing a minimum of £1,000 per month and making ten or more debit card payments. My process works by paying off my AMEX balance using the debit card. By doing so I was rewarded with an additional £25 in November. There are £50 more to collect.

Freebies. Good friends of ours moved house and went to live in another country. Sad to see them go but life goes on. Anyway, they left behind a bunch of stuff they did not want and I was the happy recipient of it all. I have not had the chance to list everything yet but a few things sold in November such as an air fryer (£31 net profit after fees and postage), a Google Nest Mini (£17), a toaster (£7) and a hand mixer (£13). And before you feel tempted to label me as greedy, let me state for the record that I also sold a few of their belongings for them and handed over the full takings of the sales. As a goodwill gesture, they let me have the best of the rest. Not that I was asking for it, but Freebies are always welcome as you know.

Summary. Yes. I got this. The Free Cash Fund is at £13,135 as of now. I am also growing the Stoozing Fund with yet another balance transfer of £5,500 in view to making £55-60 extra per month using money that I do not actually have. If you combine that with the £20-ish I get from the £5,500 I have saved in my Cash ISA, I can look at nearly £80 of risk free pure Passive Income. In other words, I can grow my Free Money Fund by approximately £1,000 per year with zero effort and 100% no risk. But that is another story. I will share that one with you on due course. For the time being, I will enjoy the moment.