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September 2026 Free Money Earnings

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Month	Free Money Earnings	+/- Monthly Target (£125)	Accumulative	to Year End Objective (£1,500)
January	£253	+£128	£253	£1,247
February	£97	-£28	£350	£1,150
March	£113	-£12	£463	£1,037
April	£164	+£39	£627	£873
May	£152	+£27	£779	£721
June	£284	+£159	£1,063	£427
July	£165	+£40	£1,228	£272
August	£187	+£62	£1,415	£85
September	£408	+£283	£1,823	+£323

A hefty profit of £461 in September 2026 which signifies yet another year of comfortably beating forecasts. Since £408 is just Free Money cash inflows I am now looking at a £1,823 figure in nine months against an annual objective of £1,500. Beautiful. Whatever comes next is additional profit on top. But that is only one contributor. The Stoozing Fund is bringing home £78 on a monthly basis in pure passive income. That is close to a grand per year. I mean £3k is not far-fetched but a rather realistic figure. But not all is positive news I am afraid since the Free Cash Fund lost £25 in value this month. Never mind really because this is a long-distance race and time is on my side. Looking at the big picture, I have a cake of £15,656 divided into three almost equal slices: Cash, Stocks and leveraged, risk-free savings. I am really pleased with this simple setup as a tool to bring my Master Plan to fruition.

Bank Rewards. My usual tenner from my three nominated accounts: £3 from Natwest, £3 from RBS and £4 from Zopa Biscuit. I received an email notification Natwest and RBS reporting that they would be reducing the perk even further from £3 to £2 per month. I really question myself as to wether or not I should be bothered. As long as it requires zero effort from me I will leave it untouched but it is not worth my while should things change.

Cashback. Two transactions were made available for payment from my TopCashback account. Both of them related to holiday bookings in August. One for £16 and the second for £5. Since I am booking holidays regardless, it always pays to check if cashback is available (however little). In addition, my AMEX never disappoints and provided me with £92 cashback from payments made through the card.

Decluttering Sales. A single sale of a women’s coat kindly donated by my lovely wife brought £20 in. £451 from selling clutter so far this year. Touching the £500 target with my fingertips.

Interes on Savings. I have a lump sum being kept in an Everyday Saver account. I am drip-feeding a number of savings accounts from here on a monthly basis. This month I got £65 in interest payments. These payments will be decreasing as I deplete this money but my expectation of £100 this year will be easily achieved before that happens. Free money all along that I hadn’t accounted for.

Freebies. Lastly, a very unexpected freebie but well deserved nevertheless. I requested a transfer of funds from a Stocks & Shares ISA held with Scottish Friendly to my current S&S ISA account with Trading212. I requested the transfer twice in the space of two months. On both occasions the transfer was denied at the Scottish Friendly end claiming that they had never received a transfer request. I found that extremely unlikely which is why I challenged their processes and raised a query directly with them. Unsurprisingly, the outcome of their ‘investigation’ ended up pointing the finger at a third party since they claimed that their systems and processes were robust enough and they had not committed any wrongdoing. That is pretty much marking your own homework as an A++ which to me is not a trustworthy procedure. Eventually, they left me no choice but to raise a complaint with the Financial Ombudsman. I am not one to waste time and raise claims on a whim and for no reason but this lot really struck a nerve. It did not take long for the FO Case Manager to gather all relevant evidence and side with me. The end result was a letter of apology acknowledging their fault and mistake, the waiving of any transfer fees and a £200 compensation for the inconvenience caused. Slam dunk for me and truly embarrassing for Scottish Friendly. Despite all their promises, they charged me £50 for the transfer that I still had to chase up in order to get reimbursed. Draw your own conclusions but for me I would not touch them with a bargepole.

Right. Allow me to share a snapshot of the 2026 Free Cash Fund Tracker. £1,823 in nine months just from Free Money sources and for doing pretty much nothing brings joy to my existence. I am not far off from £2,000 and I am confident that I can deliver over the next three months. Momentum is with me. Enjoy the blog.