Bank Rewards & Interests: £18

• Barclays Blue Rewards: £8
• Co-op: £1
• RBS My Rewards: £3
• Natwest My Rewards: £3
• Santander Lite Bank Account: £3

Interests over Savings: £42

• Moneybox General Investment Account £2,000 Emergency Fund: £42

Cashback: £64

• Broadband switch: £50
• Casual purchases: £14

Freebies: £10

• Cancelled broadband contract refund: £10

Bank Account Switch Promos: £225

• Nationwide Account Switch: £125
• Club Lloyds Account Switch: £100

eBay Sales: £153

• Levi’s Jeans: £22
• Galaxy Tablet: £30
• Pair of trainers: £23
• Oak Shelves: £26
• Digital phones x2: £50
• Car Magazine: £2

October Total: £512 (+£428 above £84 monthly target);

£1,964 above year target.

Bank Rewards		Interest on Savings		Cashback		Freebies		Promotions		Sales		Total
£18	3%	£42	8%	£64	13%	£10	2%	£225	44%	£65	83%	£512

Month	Free Cash Earnings	+/- to Monthly Target (£84)	Accumulative	to Year End Objective (£1,000)
January	£102	+£18	£102	£898
February	£196	+£105	£298	£709
March	£248	+£164	£546	£454
April	£451	+£367	£997	£3
May	£61	-£23	£1,058	+£58
June	£1,096	+£1,012	£2,154	+£1,154
July	£104	+£20	£2,258	+£1,258
August	£147	+£63	£2,405	+£1,405
September	£47	-£37	£2,452	+£1,452
October	£512	+£428	£2,964	+£1,964

£512 Free Money earnings in October. Just brilliant. Best month ever since I re-started my Cash4Nothing Venture apart from the June Tax Return. In addition, I recorded earnings in all areas (I am struggling to recall such an occurrence in my all time Free Money activities). It is £2,964 Free Money from January until now meaning that I am £36 away from my revised £3,000 target for the year. By contrast, the current Fund Value is £3,088. Not blowing any trumpets but I am not shy to share that the number feels great.

Back to steady state in the Bank Rewards department after the instability of the last three months as a result of having to cancel and setup direct debits. I am collecting £18 per month and all I need to do is log in as of when to check on my earnings. Passive income really.

I keep £2,000 as an Emergency Fund in my Moneybox General Investment Account. It bounced back from £2,042 to £2,084. I am back in the green having gained £42 in interest from the previous month. Ups and downs but there is clearly an uptrend in the long run. I am enjoying the short-term moment.

Having upgraded my broadband service to Fibre Optic (see A £110 Cashback Reward for my New Broadband Contract) and cancelled my previous contract in the process, I received a £10 refund from my old broadband supplier as it seems that I had overpaid by the time the contract was due. Completely unexpected which in my world automatically qualifies as a Freebie. Thanks a lot.

On a no so positive note, I have experienced a nightmare with my new broadband supplier. I will elaborate fully in a future post. Dreadful, appalling service which left me no choice but to go for an alternative supplier. From a Free Money perspective, I will not be collecting a £110 Cashback Reward but a £50 one instead. The good news is that it was paid out within a week of registering as a new customer. Another £14 in Cashback from casual purchases and courier services were paid on top. Overall, a £64 addition into the Pot. £52 came from Topcashback and £12 from Quidco. £241 Cashback Earnings so far. I just need £9 more to hit my £250 target. As it stands, I have approximately £15 worth of tracked cashback waiting to mature. Question is whether or not it will be confirmed as payable over the next two months. I am confident that it will so that I can green up the Cashback Box.

Bank Switch Promotions. Absolute nought for nine months and then I completed two in October. Puzzling but true. I had to take it as it came and took it I did. I collected £125 from Nationwide (see Nationwide Bank Account Switch £125 Cash Reward) and £100 from Lloyds (I will elaborate on a future post). £225 looks like a beautiful number to me. I can now put Promotions to rest for this year (should I wish to) since I surpassed my £200 target. Excellent news.

£153 Free Money Profits from unwanted items sold on eBay. Seven sales translate into an average of £22 per item. This number is relevant to me because it gives me an indication of my time/reward ratio. Three items per hour are currently paid at a £66 rate and there are no sourcing costs involved. 100% worth my while. I sold a mix of clothing, furniture, electronics and magazines. Diversification works. See my post £153 Profits from eBay Sales in October 2021 for more details.

I have good reasons to feel upbeat. I have met all my objectives for the year except for cashback (just £9 short) and I am £3,000 better off. Still two months to go and I am curious where I will end up earnings wise. Anything is possible.