Who does not like Free Money? I mean I definitely do. However, Free Money does not come in the form of notes being thrown my way simply because of my irresistible physical appeal. It is not found as a trail of gold coins leading to a hidden treasure. It does not grow on trees. It is not a benefit I qualify for based on my mere existence. It is not passive income derived from holding the property deeds of an asset either. However, let me assure that there are sources of Free Money which remain very much untapped for the general member of the public out there.
My definition of Free Money
My definition of Free Money is first, cash that I can earn without having to work for it, and second, money I can generate effortlessly. To be clear and specific, my criteria for earning extra cash and classing it as Free Money is as follows:
- It needs to be income generated from casual and/or every day activities.
- It does not require or requires a negligible investment of my time and effort.
- It does not involve tying up any of my own funds.
The rules are simple. Any method not ticking the three boxes will not make the cut. Seems difficult, but are there any such Free Money vehicles? The answer is: yes, absolutely there are. I have tried and tested a number of ‘Free Money Sources’ over time and I have found several clear winners.
This Blog shows you the methods to make Free Money and how to take advantage of them
As you probably know by now, this entire Blog is about how I milk the Cash Cow out of every single one of them as well as how I invest the proceeds for growth. I make thousands every year using these simple methods. So can you because they are readily available to anyone out there. You just need to:
- Be aware that they exist.
- Understand how they work.
- Take action.
Have I picked your interest? I take it as a resounding yes. Well, I also trust that you appreciate that the main difference here is that I am not going to explain some BS method and wish you good luck with it. I will show you hard figures to demonstrate exactly how much I have earned myself making use of them.
You also have to bear in mind that this Blog is intended as a live record of my Free Money Making Journey and it is available for everyone’s benefit in the public domain. For this very purpose, I keep two main indicators:
- The Free Money Tracker as a measure of the total Free Money I have made.
- The Free Cash Fund where all Free Money proceeds are invested generating additional profits.
Please feel free to visit at any given time to check on my progress.
8 Free Money Streams you can benefit from
I do feel that this introduction is necessary to explain my logic. You will not get rich but you can give yourself a nice little bonus which over time, can snowball into a decent sum (see post I managed to accrue £22,750 from Free Money Sources). Without ruling out any future additions, let me explain the 8 Main Streams I systematically use to earn Free Money.
1. Free Money from Cashback Sites
Cashback websites return money to shoppers for their purchases. This is possible because the cashback site is reimbursing the commission of the sale instead of keeping it as profit. You can sign up for free to the cashback website. To get cashback, you just need to login and click on the link to the merchant of your choice. Once the purchase is completed, the transaction will then be tracked, and after a maturation period, the cashback will be paid to you (usually via BACS or Paypal). As examples, you can make hundreds from insurance of any type, energy providers, broadband contracts, holiday bookings and all kinds of online purchases.
The two main cashback websites I recommend are TopCashback and Quidco.
Why is it Free Money?
You are going to purchase the goods or services regardless. You can get money back by making use of this method.
How much money have you made from Cashback?
I have made thousands prior to starting the Cash4Nothing Blog. These are my earnings since 2021.
| Year | 2021 | 2022 | 2023 | 2024 | Total |
| Cashback | £258 | £288 | £987 | £985 | £2,518 |
For a comprehensive list of examples, click Cashback Rewards.
2. Bank Switch Promotions
Bank switching refers to the process of transferring your current account from one bank to another. While bank switching itself may not directly generate income, some banks offer incentives or bonuses to attract new customers. This is exactly where you jump in and grab the incentive as Free Money. In other words, you switch your bank account and get a cash reward for doing so, but the idea is not to switch your main account (unless you feel the need to) but rather use a “burner” account as a donor. Once the cash reward is credited, you can repeat this process using the account you switched to as your nominated donor account.
Why is it Free Money?
It should be pretty obvious that you can make hundreds of pounds from the Banking System in exchange of 5-10 minutes of your time every time you switch. On the other hand, it feels nice to have them back at their own game.
How much money have you made from Bank Switch Promotions?
Thousands for sure. I have opened bank accounts with almost every single High Street Bank before the Cash4Nothing Blog was born. Because of this constraint, I am pacing myself to one or two Bank Switch Offers per year.
| Year | 2021 | 2022 | 2023 | 2024 | Total |
| Bank Switch Promotions | £230 | £285 | £200 | £200 | £915 |
For a list of examples, please follow Bank Switch Promotions.
3. Selling my clutter
You can easily sell your own stuff in an online marketplace such as eBay, Facebook Marketplace or Vinted to name a few. Please note that I am strictly referring to personal items for which I have no longer a use for and will most likely end up either in the skip or as part of a bundle donation to a charity shop. Nothing wrong about it but let me clarify that I am not advocating for reselling here (making a profit by buying to resell). You can sell pretty much anything but the most in demand items are tech items (smartphones, laptops, tablets, videogames consoles, wearables, etc.), electronics (digital cameras, routers, tv boxes, etc.), furniture, sports equipment, toys and clothing.
Why is it Free Money?
Statistics show that the average UK household keeps around £4,000 to £5,000 worth of clutter. Maybe you are not able to see the wood for the trees, but for the educated eye it is Free Money shouting at you ‘come and get me’.
How much money have you made from Decluttering?
5 digits over the years without a doubt. My house is a book example of the above statistic. I seem to have an endless supply of redundant items coming not only from the family unit but from friends who are giving stuff away.
| Year | 2021 | 2022 | 2023 | 2024 | Total |
| Decluttering | £1,352 | £680 | £190 | £611 | £2,833 |
I have quite a few examples of how I make free money from my clutter, click on the following link Sell your clutter to find out more.
4. Bank Perks
You will not make a huge amount of money here but every little counts. In this case, the idea is to collect a number of small cash perks using Reward Bank Accounts. To qualify for the perk, a minimum deposit per month is required. In some cases, there is an additional requirement to set up a number of direct debits. You can easily create an automatic loop of standing orders sending money from one reward account to the next. It is a one-off set up and from then on, it is passive income all the way.
Why is it Free Money?
It is money credited every month for an automated process.
How much money have you made from Bank perks?
I am not actually 100% sure but at least £2k. Nearly a thousand since 2021 as per table below.
| Year | 2021 | 2022 | 2023 | 2024 | Total |
| Bank Perks | £192 | £268 | £269 | £228 | £957 |
For a full guide and examples, please follow Free Money from Bank Perks.
5. Use a Cashback Credit Card for all your purchases
It does what it says on the tin. All you need to do is to use a Cashback Credit Card every time you spend and you will receive a fraction of your purchase back for doing so. Incredibly simple.
Why is it Free Money?
You pay for goods an services with your plastic regardless. This time you are getting hard cash for it rather than nothing.
How much money have you made from cashback credit cards?
I wish I had known about this one earlier. I have made £491 in 2024. For more details please visit How to make £250+ Cashback from an American Express Platinum Credit Card.
6. Interest on Savings
Any interest generated as a direct result of keeping money in a savings or investment account. The premise here is that you have some money deposited in a savings account and/or you are in the process of saving towards a certain goal (ie: holidays, car, house deposit, education, etc.). Do not rule this one out as negligible since you can make more than decent returns for your hard earned cash.
Why is it Free Money?
You get money for your money without any active interaction on your side.
How much money have you made from interest on savings?
Again is hard to tell but thousands over a period of years. I used to place all my savings in Peer to Peer platforms which yielded interesting sums over the years (see post I managed to make £22,750 in Free Money) but for informational purposes, I will strictly adhere to savings accounts for now as shown in the table below.
| Year | 2021 | 2022 | 2023 | 2024 | Total |
| Interest on Savings | £184 | -£ | £276 | £158 | £618 |
7. Money from Credit Cards (Stoozing)
Stoozing is a technique by which a 0% Credit Card Balance Transfer Offer is used to make Free Money. The money transferred from the card will be deposited in a high interest savings account generating profits. At the end of the promotional offer, the debt is paid off and we will keep savings account yields as profit.
Why is it Free Money?
You use money from a third party to generate profits. You can class it as passive income since there is no intervention from your end.
How much money have you made from Stoozing?
I used to borrow thousands of pounds and deposit them in Peer to Peer platforms. I did not keep a record but I know for a fact that I made thousands (see post I managed to make £22,750 in Free Money).
I recently kick-started Stoozing in the Blog by setting up a Stoozing Fund for the sole purpose of tracking gains from this stream. I have also developed a Stoozing Calculator tool to assess profitability of credit card balance transfer offers.
For an in-depth guide of how to make Free Money from Stoozing please follow Money from Credit Cards.
8. Freebies
Freebies are any other unexpected source of free cash. Should I come across some long gone and forgotten note at the bottom of a drawer, receive a tax rebate or qualify for a free no risk bet at my bookies, the proceeds will go towards this pot. Casual findings, free gifts or donations I can exchange for cash will also qualify. Freebies are unpredictable in nature but the sure thing is they happen quite often.
Why is it Free Money?
It comes from nowhere. Literally. You can actively look for freebies by signing up on a number of niche sites but that will not count as Free Money in my book since it involves quite a bit of work.
How much money have you made from Freebies?
Thousands. All I need to do is to be around and wait for it. Last four years have been really good as table shows.
| Year | 2021 | 2022 | 2023 | 2024 | Total |
| Interest on Savings | £1,013 | £380 | -£ | £370 | £1,763 |
For examples on how to collect Freebies, please click on Freebies/Any other unexpected Free Cash.
Anyone can make Free Money
Anyone can benefit from these sources of Free Cash and accrue relevant sums in a short period of time. I know that it is perfectly feasible since I am talking from experience (see I managed to make £22,750 in Free Money post). All it takes is some minimal active participation from your side. Have you made up your mind yet? Don’t wait any longer, just go for it now.
Bookmark & Subscribe for the latest Free Money Making News, Hints & Tips
If you do not want to miss on any of it, please bookmark this page and subscribe to our newsletter for the latest developments plus money making hints & tips.
