As standard – apologies for the length! I’ve found it quite a cathartic experience, and I seem to have managed to merge elements of the reddit, US and UK R29 templates so please feel free to skip over any boring sections!
Background:
I’m British, working for a British Company in the US on a three-year posting (one year in). My salary is actually £33,000 but due to the increased cost of living here, I get an additional £10,000 allowance for living costs, and my rent/utilities are paid directly by my company. This puts my equivalent salary at $93,000.
I’m aware this is an incredibly fortunate position to be in, especially with COVID, however when I return to the UK, I will be paid my UK salary only, so this is a short-term benefit.
The company can split my pay between my UK and US accounts, and currently 95%ish of it is going to my UK account. This % split was only set up after lockdown as we are currently spending much less on travel/socialising here so are taking the opportunity to focus on building our UK savings. My husband, J, was fortunate enough to get local employment when he arrived in country. He earns an additional $46,000 net which we live on.
For ease/consistency, I have converted all costs at 1.3 as this is roughly the average conversion since I’ve lived here – I will write UK next to any cost/savings that are based in the UK.
Section One: Assets and Debt
J and I (now) combine all our finances, so except for my pension pot, and a small F* Off Fund (FoF - we have one each), everything else is split 50/50. This will likely change when we go back to the UK as we’ll have better access to our own bank accounts.
My personal Net Worth is $72,400
Retirement Balance
UK $104,000
I’ve contributed to work pension schemes since I started working full time age 18. This has been set at around 5% since I joined my current employer 7 years ago, and they contribute around 27%. I’m actually guaranteed £4,000 per year once I retire for as long as I live so have multiplied this by 20 on the assumption the retirement age actually stays at 68 and I make it to my late 80’s. This amount will increase over the years with inflation and as I contribute further to it. I can choose to retire earlier, plus take up to a 25% tax free lump sum on retirement, but that will affect the annual pay-out amount.
Equity
UK $52,000 equity, $157,300 left on the mortgage
J and I bought ($197,600) with just over a 10% ($20,000) deposit 3 years ago aged 24 and contributed half each. I managed to save this as I was living at home until we bought, and J got a help to buy loan through his previous workplace. He’s since cleared this.
Savings account balance
$29,700 made up of:
US $6,700 for fun money here (currently planned for another car – we’ll sell our existing one)
UK $6,500 in premium bonds as my FoF, $13,800 in our joint savings account to upsize when we get back to the UK, $2,600 in one of my side saving accounts as a potential future maternity pot. This is joint but kept in a separate account from the house savings.
Around $22,000 of this has been saved since the beginning of lockdown
Checking account balance
US $120 (+ $1,190 in checking, -$1,070 on AMEX). All our savings accounts are easy access, so we try to keep the balance as low as possible and tend to spend the full amount each month. [We end the week with this back up to $1,559]
UK $660
Credit card debt (and how you accumulated it)
0 – we use our AMEX for our everyday spending, so I’ve included it in our checking account as we usually pay it off each week and use it in place of our checking account. J had CC/loan debt in the UK from the house deposit and wedding which he cleared down before we moved out here.
Student loan debt (for what degree)
0 - neither of us went to University
Anything else that's applicable to you
We paid outright for a second-hand car that is worth around $6,000
Section Two: Income & Further Background
Income Progression:
I started at my current company 7 years ago working as a personal assistant and started on $24,000. I stayed in this role for 2.5 years before promoting into a finance role and onto $31,000. After a year I was temporarily promoted (with pay rise) within my team to a higher finance role and after a further 6 months was permanently promoted into the role and onto $35,750. There’s usually an annual pay rise of around 2%, which I’ve received between each promotion, but as this last promotion pay rise wasn’t as high as usual, my last few annual pay rises have been higher to bring me to my now salary of $43,290. I’ve spent the last three years at the same level, but have changed teams to gain more experience which will be needed for the next promotion which I’ll hopefully be able to get when I return to the UK – this will take me over the $50,000 mark.
Main Job Monthly Take Home:
UK – I get paid once a month, receiving $3,783 after tax, national insurance and pension contributions. This also includes the extra living allowance. $3,510 is paid into my UK account, $273 is paid into the US
US – J gets paid fortnightly, and earns a net salary of $3,546 per month (assuming 2 pay periods per month)
Any Other Monthly Income Here
UK - We receive around $598 per month from tenants in our house in the UK. The letting agents take all management and admin fees directly from the rent before we get paid. This amount can be less if any work needs doing on the property, but again the letting agent will pay directly and just transfer us a reduced amount. We also have to pay tax on any rent received and still need to pay last year’s bill, but we haven’t calculated it yet.
Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it?:
Not from family. My parents don’t have degrees, and whilst they supported my siblings going, it was our own personal choice. If we didn’t go, we were expected to work full time.
My school did expect me to go. I was in the last school year before UK University tuition went up, so the only advise they could give was to go now as you won’t be able to afford it in the future. I had a place to study events management but turned it down a week before the deadline. Bar sometimes feeling like I missed out on the University life experience (aka. freshers week), I have zero regrets not going.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances?
My siblings and I were always encouraged to save including contributing to pensions when we started working, and prioritise this and bills over spending our money, but conversations didn’t go much further than that.
What was your first job and why did you get it?:
Weekly paper round from age 12 to 16 which gave me $10 a week to pay for my phone credit and to build savings. I started working part-time in a supermarket from age 16 earning around $250 a month, but this was mainly spent shopping and in the pub!
Did you worry about money growing up?:
No – my parents operated on a “what we do for one, we do for all”, so with a house of five kids, we certainly weren’t living the life of luxury, but we never went without, and it encouraged me to earn some of my own money from an early age.
Do you worry about money now?:
No, J and I are in a really good position and try to make sensible decisions so that we can still cope if our circumstances change.
At what age did you become financially responsible for yourself and do you have a financial safety net?:
Fully when I bought the house and moved out age 24, although I obviously gained the support from J. I’ve always had to use my own money for wants and non-essentials (phone bill, own laptop, “fun” clothes). I was given a few years grace on rent as my parents helped my siblings at Uni, but this stopped when I turned 21. I’ve always bought my own cars/insurance and would contribute to the household, including buying some food and replacing furniture in my room.
Our parents continue to support us anyway they can, which included letting J and I move back in rent free last year whilst we were replacing our kitchen.
Do you or have you ever received passive or inherited income?:
My dad saved around $1,200 from when I was a child which I received aged 18 – this went into savings and then towards my first car and laser eye surgery.
My brothers and I also received $1,950 each from a great aunt when she died, which was a complete surprise (the will was contested so this was several years later). Our much younger half-brother didn’t receive anything, so we split this equally with him. The money left went towards mine and J’s wedding and we also received around $5000 additional from various family members towards our wedding and honeymoon. This was also not expected, and we budgeted not to receive anything, but this was a bonus and it relieved some of the pressure on us to save.
Section Three: Expenses
UK – I auto-transfer $1,170 across various accounts to pay for our UK bills. J & I both kept some bills in our own names to try to maintain our individual UK credit scores as well as our joint one. J’s parents are also looking after our two cats whilst we’re in the US, so we transfer them some money. We’ve discovered our UK entertainment subscriptions work over here so we haven’t cancelled them and pay them from the UK accounts, which is a benefit as they’re usually cheaper.
$910 to our joint account to cover – Mortgage ($986 – includes $130 monthly overpayment), Landlord Insurance ($32), Pet Insurance ($45), our life insurance ($22 – it pains me that the cats cost twice as much as we do. Obviously, they don’t have the NHS covering their medical costs, but they also don’t have a mortgage to pay off….), J’s UK phone bill ($35) – he’s still tied into his contract. The rent income comes into this account so that covers any delta and builds a pot to pay the tax bill. It works out at around $388 per month saved for this. We also pay around ($150) annually to cover IT costs including Microsoft office, McAfee Security and Dropbox storage.
$143 to my bills account to cover – my UK phone bill ($23), a second UK phone bill that I need to cancel as they wouldn’t transfer my existing number to them ($6), Trade Union membership ($19), Netflix ($12), Annual magazine subscription ($19). Any money left over for is for UK online orders and so we have money available when we visit home.
$65 to J’s account to cover – Amazon Prime ($10), Spotify ($20), Audible ($15) and annual Xbox Live ($50)
$52 to J’s parents for the cats.
UK Savings – we have $2,340 to split across the savings. The split varies each month, but as I’ve hit my FoF goal the focus will be on getting J’s to the goal amount and then joint savings.
US – TV, WiFi and Hulu ($131), Phone Bills ($167), Car Insurance ($110), Naked Wines ($40), HelloFresh ($523), Annual Renters Insurance ($152). We currently get Disney+ free with our phones, but this will end soon, and I expect we’ll start paying for it as well.
US Savings – I usually transfer between $500-$1,000 into savings when J gets paid but will vary this based on how much we have left in the checking account from his last pay and what bills are due. We’ll also raid this as needed for big purchases or if we’re running low in on cash in the checking account.
​
Day 1 – Saturday
0900 – I’ve been waking up on and off for a few hours, but the alarm has gone off, so I drag myself out of bed. J and I are booked into a second-hand book sale from between 11 and 12 so we need to actually get out of the house this morning. I tidy up a bit, have a shower and miss a call from my mum whilst I’m in there. I check J is up before calling her back and have a good catch up with her and my Nan.
1115 – We’re a little later than planned, but we make it to the sale. I picked the second slot so that there would still be a good selection of books available and am pleasantly surprised by the amount and overall COVID set up. We spend almost an hour browsing and come away with 15 books between us. $60.01
1210 – We left the apartment without eating breakfast, but there’s a restaurant open next to the sale that we haven’t tried before so we pop in and have a burger each. Discover there’s a cocktail bar underneath and make note to head back and try that soon. $41.92
1600 – J has spent the afternoon building Ikea furniture we bought last week and hiding in the bedroom watching YouTube videos whilst I clean, watch The Haunting of Hill House and drink copious amounts of tea. We bought our car in a bit of a rush when we arrived and to replace his Rightmove house obsession, J spends a lot of his time looking at cars available here. Last week he found an American muscle car that looks in good shape and isn’t extortionate, so in his argument to “buy American, eat American, drive American” whilst we’re here, he’s arranged a visit check it out and test drive it. We’re meant to be there at half past, but we had the wrong address and there’s been an accident so it’s actually an hour’s drive, and we don’t get there until 1715 - Oops. I do not want to like the car, but I’m honestly sold – I knew our current car wasn’t the best, and planned to cope with it for the three years, but this is such an improvement and feels like a fun car to drive on road trips. We arrange to come back next week to buy the car and head back home. Thankfully, the traffic has cleared so it only takes 40mins. We while away the journey by listening to an episode of My Dad Wrote a Porno.
1830 – We stop by Giant to pick up some essentials (loo roll, seltzer, beer, milk) and food for the rest of the weekend. $103.25. I cook pork chops, roast potatoes, asparagus and gravy for dinner, and we spend the evening chilling in front of Netflix with wine before heading to bed at midnight.
Daily total: $205.18
Day 2 – Sunday
0830 – I wake up and sneak out of bed without disturbing J, make myself a cup of tea and settle down to finish off The Haunting of Hill House. J hates scary shows/films, so I try to watch things before he’s up, but he still needs to be in the house otherwise my imagination will go wild. The show finishes and I hear no sign of movement, so I make another cup of tea and discover The Princess Diaries 2 is on freeform so obviously I watch this.
1100 – J gets up and makes us scrambled eggs and smoked salmon for brunch. There was meant to be a bread roll with this, but according to J it had gone off. Silently complain that I didn’t pick up some bagels whilst we were shopping last night. We stick The Office on in the background and binge far too much of it whilst I multitask and convert our savings/bills spreadsheet into $ for the intro to this.
1630 – I had grand plans to spend the day cleaning and assumed J’s mum would do her weekly skype call with us at 3, neither of which has happened, and I only realise this now. I suggest we message some friends to see if they fancy an afternoon pick-me-up, but they are hanging from last night, and I remember I’m doing interviews in the morning so probably not the smartest move. I have a shower, wash and sort my hair out to save time in the morning.
1800 – I get an email reminding me that I have items in my basket on an online order and that they’ve given me 15% off. Seems rude not complete it – J has a quick browse to see if there’s anything he likes but nothing takes his fancy. So it’s just non-wired bras for me and a very cute bee print quilt set. It’s a UK based store so I pay using my UK bank account. $123
1900 – J cooks dinner tonight, a HelloFresh recipe for firecracker meatballs with rice. We stick The Office on in the background, finish the rest of last nights wine and the entire series, getting to bed at half 11.
Daily total: $123
Day 3 – Monday
0630 – Alarm goes off. Ugh. It disturbs J, so I apologise for waking him, hit snooze and repeat 5 minutes later. Rather than getting straight up, I waste half an hour browsing Facebook before washing and getting ready. As an attempt to look semi presentable, I put actual work clothes on, straighten my hair and put on some mascara and powder.
0755 – I make it onto the laptop and do some prep before the interviews. Checking my emails, I spot that I’ve been paid my US pay today. The annual pay rise has come through and there’s a small backdate from last months pay, so I have an additional $127 this month. I clear a few more emails and make a cup of tea before starting the interviews.
1215 – Interviews are done, and as a panel we have discussed and come to a decision. We all need to type up our outcomes for HR, but I take a lunch break before my brain melts. J heats up leftover meatballs and rice from last night and we watch an episode of The Good Place whilst we eat. J’s heading into the office this afternoon so I tidy up, stick the dishwasher on and faff about on reddit before getting back to work at 1. Go straight back into a call with my Line Manager to touch base before he goes on leave – he lets me know he put me forward (and I have been approved) for a bonus for my efforts since joining last year, and the added COVID response. I’m touched and proceed to spend a while mentally spending it. I’m debating between a pair of Louboutin’s and a spin bike…. Slightly different ends of the spectrum I know. Keen to hear any inspiration! It should be around $1000 after tax so reasonably substantial.
1630 – J comes home and attempts to get in, but I appear to have locked him out. I get up, open the door and see that he comes baring this week’s HelloFresh box, which is a relief as I hadn’t seen any delivery emails (we had a few go missing in our apartment block when we started). I have a small break to see how his afternoon has been and reply to some messages with friends about possible Halloween costumes for a small gathering we’re going to. We jokingly consider a group The Office effort, which results in numerous gifs being shared. In a moment of inspiration, J passes me his shirt, tie and blazer to put on… turns out I’m a pretty convincing Sexy Toby. I get changed back into my own clothes and head back to work for a bit.
1930 – J finished work earlier so cooked again. Tonight’s is a HF spicy shrimp pasta. It’s a bit disappointing even with him adding extras from the cupboard. We eat and watch the Umbrella Academy before heading to bed at 11.
Daily total: $0
Day 4 – Tuesday
0730 – alarm goes off, get up, washed, dressed. No interviews today so back to COVID home working uniform of no make-up and trackies. Make a cup of tea and am at my desk for 0830 – in and out of meetings until 10 and spend the rest of the morning trying to catch up on my inbox. J’s headed into the office, so I take the opportunity to listen to the Hamilton soundtrack as I work. Get through the first track before admitting defeat that despite my amazing multitasking skills, I can’t actually sing along and type coherent emails. Settle for the LOTR soundtrack instead.
1215 – make it to lunch and reheat last night’s leftovers (we order HelloFresh for four people for the leftovers, as before we were just ordering in lunch every day). Realise I haven’t physically left the flat for longer than I care to admit, so take my lunch onto the balcony and eat it whilst reading through a money diary on reddit. Remember I have a meeting at 1, so sign back in ten mins before and read through the emails in a vague attempt to sound prepared.
J buys himself and his boss lunch in the office, but his boss will pay him back so $12.17
1900 – long afternoon, managed to start nothing on my actual to-do-list, so feel like I haven’t achieved anything. Yay. J got home half an hour ago (I didn’t lock him out today!) and switched the oven on as he walked past, so I take the opportunity to get up and cook once it’s done preheating. Pork tenderloin with coleslaw and mash tonight. It comes with a cherry jam sauce which I’m not the biggest fan of, so I make it into a fruity gravy. It takes longer to cook than I planned, and I can feel myself getting more and more annoyed with everything from a general mix of feeling stressed and hangry. J sticks toy story 4 on as we eat which doesn’t help my mood (as let’s face it, it’s the worst one). Our friends message asking if we’re watching the debates – J had planned to but had forgotten so quickly changes over to watch it. I have no words.
We make plans to watch the next debate in a group with alcohol, debate bingo and the next day booked off work to recover.
Head to bed at 1120 – still waste time on Facebook despite being shattered.
Daily total: $12.17
Day 5 – Wednesday
0830 – Alarm goes off. I didn’t get to sleep up until 12.30 and J disturbed me at 1.30 when he came to bed so extra sleep was needed. I check my phone, message my stepsister a happy birthday and stick on my dressing gown to make sure I’m online for my 9am meeting. Thankfully, no one has an update, so the meeting is cancelled, and I have time to shower and put clothes on before I properly start work.
1230 – Lunchtime. I have the remaining shrimp pasta and J makes a BBQ chicken sandwich with other leftovers in the fridge and we stick on another episode of The Good Place whilst we eat. We finish up, work for an hour and then drive into the office. J needs to stay in for a while, but I’m only in to sign a cheque so I take the opportunity to walk back home. It’s a glorious sunny day, but with a nice breeze so it’s an enjoyable walk until I’m almost back at the flat and have to walk up a hill and then 5 flights of stairs. It’s a fast reminder of just how unfit I am, and I have to have a quick lie down to recovecool down before getting back to work.
1730 – J and I have plans to meet up with our friends K and J(.2) tonight. In an act of attempting to keep some form of sanity, J and J.2 are heading out to a bar for a “Gentleman’s Club” and I’m heading round to K & J.2’s flat for wine and chick flicks. J gets home from work, kisses me hi and bye and heads straight back out. K’s getting her hair cut, so I continue working until half 6 before walking up to her apartment. I make a pit stop on route to pick up a bottle of white wine as she’s running low. The card machines are down so it’s cash only – I have a mild panic, but thankfully I find some notes in my purse - although I’m pretty sure I withdrew them pre-lockdown! $17
0200 – After a night of homemade mac’n’cheese, wine, films and putting the world to rights, I get ready to head home just as J.2 stumbles back into the flat. It’s lovely to see him, but the state he’s in makes me a bit concerned about what J is going to be like when I get home. Thankfully, when I make it back and he’s already curled up on his own side of the bed, passed out and lightly snoring away. I take off my makeup, do my teeth, get into bed and fall straight asleep.
*I’ve checked the banking app and J spent $50.50 on food and drink. The “club” made their way to our apartment around 9pm and worked their way through our booze which explains the low spend but high drunkenness.
Daily total: $67.50
Day 6 – Thursday
0700 – J’s alarm goes off. He rarely sets alarms and has an amazing ability to sleep though them, so I kick him awake to switch it off. He hits snooze rather than switching it off, so I wake up again 5mins later. Ugh. He actually manages to switch it off the second time.
0830 – My alarm goes off. I’m tired and thirsty, but other than that feeling pretty ok. J is not and I leave him snoozing in bed as I start work. It’s a slow morning (thankfully) and I periodically check on J to see if he’s feeling any better. General consensus is no. The leftovers in the house are not hangover friendly so we put in an order with Panera Bread. $32.25. J has a choose two, but I brought home some mac’n’cheese from last night so just order some crisps and a smoothie to go with it. It takes longer than expected to arrive, but it means a 1230 lunch in front of The Good Place. We finish and go back to work, J heads into the office again.
1400 – I’ve struggled to get back into the swing of things, and as there haven’t been too many emails coming in I take the opportunity to have a break and lie down on the bed (I work flexi hours and have a very high balance so this is done guilt-free). This lie down turns into an hour-long nap and I wake up feeling better, but still while away some time on reddit before deciding to make it back to work at 4.
1920 – J messaged to say he’s on his way back and I’ve already heated the oven, so I finish for the night and start making dinner. Tonight’s HF menu is a creamy lemon butter chicken with courgette and giant couscous. It’s reasonably simple to make, but one of our favourites. I multitask and clean down the kitchen as I go.
2000 – Dinner is eaten, J has made us a cup of tea and we’re settled back into The Good Place. Yesterday was payday into my UK account so I log into the internet banking and transfer to the savings accounts (the bill transfers are set up to auto-transfer on the 1st). $1,170 to J’s savings so he’s now at his FoF goal, $650 to the maternity pot, and $780 to the joint savings. The annual renter’s insurance has also come out of our US checking account today, but that’s counted in the expenses. We both head to bed at 11.
Daily total: $32.25
Day 7 – Friday
0730 – J’s alarm goes off, he’s heading back into the office this morning so it’s valid today and we both actually wake up for it. We both chill on our phones until my alarm goes off at 0830. Up, washed, dressed and on the laptop in time for my 9am meeting. I’m closing off last months accounts and updating forecasts so get stuck into multiple spreadsheets.
1440 – I’d gotten into a good rhythm with the updates, and without J here, I hadn’t realised the time, so I only stop now for lunch. It’s last nights leftovers so couscous and chicken, plus an apple left over from J’s Panera order yesterday. J didn’t take anything in so has stopped by Safeway $14.13 and the work café $9.48. I get the figures from the banking app and realise J has been paid – win. I have an hour break and head back online.
2020 – I’ve been in the swing of things today. It’s a long winded, but simple task so I’ve had Greys Anatomy on in the background as I work. I’d normally have left some of it until Monday, but I have a few urgent requests in today that need the updated figures so it made sense to get it all cleared – it’s also quite therapeutic so feels like a nice way to end the week . J and I have plans to see friends tomorrow, so I don’t feel too bad about not having plans for a Friday night and working for most of it instead. Still, we make the most of it being payday and order in some Steak Frites for dinner and I treat myself to a chocolate cake slice as well. $80.25. We spend the rest of the evening relaxing, finish watching The Good Place (a very emotional finale) and make it into bed for half 11.
Daily total: $103.86
​
Total Expenditure: $543.96
Food & Drink: $257.70
Groceries: $103.25
Clothes/Home: $123.00
Other: $60.01
​
Lastly, reflect on your diary!
This is a pretty average week for us during COVID. We usually go out drinking over every other weekend, but that extra spending would balance out with the home/other expenditure as I try to make sure we spread our spending out. The AMEX balance is a bit higher than the usual weekly amount as J and I both ordered a trunk club a few weeks and kept a few of the clothes but the system errored which delayed us processing our returns (and them billing us). As we’ll looking to buy the car soon, it also feels like a better decision to leave the balance on the card and keep more cash available – I’m not concerned as we’re only just into the new credit statement period and J’s will get an extra pay period this month which will clear it.
Pre-COVID, this is actually lower than our weekly spend, as we also had most of my salary coming into the US account as well and were spending most of it socialising, travelling and just enjoying living in a city. If we had to, we could cut our costs and save a lot more, but we’re here to enjoy ourselves and so long as we can eat and pay the mortgage, we’re happy. We’ve also already reached our total savings goal for our time out here, so anything extra is a bonus.

This won't include everything you can do, Some stuff I just don't think is worth it. I also won't include stuff that I personally haven't done or stuff I have had problems with getting the money. This will be pretty long but if you are new to this it is a pretty simple way to earn some cash
We are basically building up a pot of cash to matched bet
So if I have £0 this is what I would do to get to £1000
Make a new email so you are not spammed with crap, There will be a lot of offers/Cashback i have missed I would advise that when you sign up to these sites, etc and you get the hang of things you check for yourself to see what else they offer as there is a lot to do.
Best Offer - Xendpay £10 Bonus| Non-Ref (No Bonus) - See near bottom of post for details
Best GPT Site -GG2U ($1 Bonus ) |Non-Ref (No Bonus)
Matched Betting - OddsMonkey (£1 Two Weeks Premium | Non-Ref
I have also not put in any games that you can do as normally the payout for these change all the time but I would recommend checking what pays the most for them and then google a guide etc to see how long it would take as some can pay good, Normally on these games it speeds it uploads if you buy a pack on the game but if you are going to do this make sure you will still profit from the offer and you buy a pack which will speed it up instantly
I done a game before that paid £30, bought a £5 pack and it was done instantly tho that offer is not on these GPT Sites anymore
If you are going to lie when doing surveys etc make sure you remember what profile you are making etc and use it across all the sites that way its easier but I would recommend just being honest
Start by signing up to these sites
Neevo

• Sign up and create your account, Make sure emails are not going to spam and log in every few days to see if you have tasks

Clickworker| non-ref

• Create your profile, Once you do this click assessments and take the UHRS Test... Make sure you read everything start the quiz and pass it (It's not that hard ) You can also do some of the surveys and task on the normal page to earn some extra money

Appen | non-ref

• Different to the above sites, It's more like a part-time job/Full-time job but as you agree to work a minimum of 10 hours per week when you get accepted to a project - Normal Jobs pay $14 per hour but you can get jobs paying $25 per hour ( I never had these )
• I would only sign up here if you are looking for more long term online work/part-time, Currently, some of the projects are a little dead but well still worth applying here

Prolific.co

• Create your account and make sure it is completed to 100%, I recommend keeping a tab of the Study page open so you can grab them right away

I would sign up to the sites above as it can take a few days (weeks for to appen) to get anything through
Then do the following ( Starting with £0)
0-£50
Curve £5 Bonus | Non-Ref ( No Bonus )
Use My Code - DOXPRY3D
I don't think you get a bonus with no code, This is a mobile app so search for it in-app store
Sign up, Verify your account and order your card, To get the bonus you need to make a payment with the card, You are going to use this when you do your first gambling offer so that way you are maximizing your profits
Qmee (50p Bonus) | Non-ref ( No Bonus )

• Sign up through my link and you will get 50p bonus for doing a survey, You can then instantly cash out the 50p
• Do a survey till you reach £2 in your account and cashout ( I personally advise you don't use this site other than for this bonus unless the surveys are offering a decent amount )

Now you have £2, Do the following offers - I'm not allowed to post my link or the post will be taken down
First, do this offer - https://www.reddit.com/beermoneyuk/comments/gbh0te/freetrade_megathread_free_mystery_share_worth/
Then do this offers - https://www.reddit.com/beermoneyuk/comments/fqjeal/trading212_megathread_free_share_worth_up_to_100/
You need to sign up through someone's link, Create and verify your account and deposit £1, This will then get you a free random share between £3-£80, then free trade is £3-£200
Id appreciate it If you used my Trading212 Link, Its in that thread :)
Now it takes time to get your money from these, Trading212 is 30 days and free trade is 7 days but you can see what shares you got and their value
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Now this is a very easy one to do but I'm, not 100% sure what you will get from it so I have no included this amount
Sign up to Coinbase Earn
Link - https://www.reddit.com/beermoneyuk/comments/jce62t/coinbase_megathread_post_all_referral_links_here/
I would really appreciate it if you signed up through my commented link on the post. This is a great offer to start, I helped someone do this recently and they got around £26 fees and withdraw tho you could get accepted into more or get a little less, All you need is ID to verify your account then click on Coinbase Earn at the top and try to do each lesson, The answers are very easy to get or you could just google them
Then do the Swagbucks bonus
Swagbucks ( Around £4 Bonus ) | non-ref ( No Bonus )
To get around £4 Bonus we need to earn 300SB within 30 days,
Do these two offers, Click on Discover then the following offer walls
AyeT- CyberGhost VPN Free Trial - 54SB
Adgem - Norton VPN Free Trial - 70SB
Also, install the Swagbutton, We both get a 100SB bonus, Go to and the Swagbucks home page, Left side of the page under "To-Do List " Click daily activity and it will take you to the install
Now do surveys till you get to the 300SB Limit or you can click into discover and do the little offers like above, So you can speed it up normally these little offers pay the same or there is very little difference from Swagbucks to other sites
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GG2U ($1 BONUS)| non-ref ( No Bonus)

• Sign up and fill out your profile, Now click on Surveys and do either the $1 Yoursurveys or $1.25 Speak up Surveys

Prolific.co

• Create your account and make sure it is completed to 100%, I recommend keeping a tab of the Study page open so you can grab them right away

Populus Live

• These pay monthly but now they pay by bank transfer, Can get high paying surveys from these guys but you need to hit £50 to get a payout

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OhMyDosh £1 Bonus| Non-Ref (No Bonus)
Sign up here. Click on Surveys on the left-hand side and sign up through here to Panelbase, They pay £0.80 for this as signing up normally you get £0
Timebucks(I think $1 bonus) | Non-Ref ( No Bonus )

• The higher-paying surveys on here are under RevenueWall and Flapbucks
• Most I've had on Flapbucks was a £6 one and Revenuewall was £4 ( Don't do any under $1)

Keep open your Prolific tab and keep going at the GG2U $1/$1.25 Surveys, If you start running into being kicked out of them, I would move to Timebucks and give them a try on there, They pay less but me personally I have had more luck on there
PopulusLive will email you surveys and so should panel base but you could sign in and check what you have
After building up survey money ( £50 ), Do the following offers... In between doing these offers, you should still be doing surveys, or if you have a task on neevo/clickworkers even better.
(£50-£150)
MrQ| non-ref ( No free spins could be wrong tho )

• Deposit £10 also verify your number, You will get 10/20 free spins, Once you have used these go to Bingo and then "Free For All" This will give you 24 hours of free bingo. Try and make sure you play every free ticket to get the most money, It's every 2 hours from 9 am - 10 pm. Plays for an hour then 2-hour break
• Once you have played all your free bingo, Withdraw your £10 deposit and all your winnings from the spins and bingo

Now go back to GG2U ($1 BONUS)| non-ref ( No Bonus)
Click into "Offertoro"
The offer you are looking for is "Gala Bingo " and it will pay 3050.00 cent ( Around £24.50)
You need to sign up and deposit £5 on Gala Bingo and just wager the £5, So just buy £5 of bingo tickets... If you win any money great but I would just count this as a £5 loss to gain the £24.50 on GG27
Swagbucks ( Around £4 Bonus ) | non-ref ( No Bonus )
Click into "Discover" on the left-hand side of the homepage, Then click into featured offers and do the
Lottoland - 1300SB - Click the offer and it will take you to the sign-up and will cost £1 ( Make sure auto-renewal isn't on )
Quidco - REF ( £5 Bonus ) | NON-REF ( NO BONUS )
You get the £5 bonus once you reach the £5 cashback

• Once you have signed up search " MyHeritage" and take the £6.50 cashback for taking the free trial... Remember to cancel so you don't get charged.

TopCashBack - REF (£5 BONUS ) | NON-REF( No Bonus)
You get the £5 Bonus once you reach £10 confirmed cashback

• SearchLoto - £0.82 - Create your account, Make 25 Searched, and use Free Ticket.
• Experian - £3 - Sign up for a new account
• Graze - £2.47, Order your first box then cancel when it arrives
• Totally Money - £2.10 - Make an account and get a free credit report
• Tastecard - £3.30 - Free 2 Months trial

Now go back to
OhMyDosh £1 Bonus| Non-Ref (No Bonus)
Now do the following offers

• Gambing> Then William Hill Casino (£40 cashback)
• Click on the offer and make your account and deposit £10, Pick a game you want to play and either just do 20 auto-spins at 50p or do what you want just make sure you wager the full £10, So put it on auto spin so that when the auto spins end you have wagered £10

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(£150-£300
Xendpay (£10 Bonus | non-ref( No bonus )
You are going to use £101 to do this offer, Sign up through my link and verify your account. Now you want to make a £101 transfer to yourself (Your other bank account) You will do pounds to euro, It will ask for a fee, Click on it and enter 0.00... Now input your other bank details, Then your card or you can make a bank transfer to them, Once you've done this it will unlock £10 for you, Repeat the above but this time do £10.01 and it will only cost you 0.01 ( Money should hit your other account in 2-4 days)
I would still be doing surveys but what i would do also is go through the Survey sites/Cashback sites and check all the offers they have even the little ones that you might only make £1 as you can normally do these really fast and I would just keep doing this stuff till I hit £300
£300+
Start Match Betting
I would start by using a service like
Oddmonkey Ref- Non-Ref
You will get 2 weeks premium for £1
Follow everything they tell you and you can't go wrong, If you have never had a gambling account before there is really good money to be made right away as you can do every offer but what you want to do is, For example, they tell you to make a Betfair account ( they will ) Check the Survey sites or Cashback sites and see which one will pay you the most for making a Betfair account (Sportsbook or Exchange )
If they are offering the Betfair Poker offer on cashback take that as its normally more profit than the other two if not just take one of the sportsbook or exchange ones
in between doing match betting, I would still be doing the surveys, etc nothing changes, As you could run out of money doing the matched betting, and doing the surveys is a great way to keep yourself generating the cash
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Now there is a lot of offers I didn't post, So once you have made enough money you were happy with I would then come back on this subreddit and check which offers are worthwhile doing. Don't do the dumb ones where your money is tied up for 6 months and you get £10 back Because the way the world is right now no one knows if these companies will last and it's not a very good return on your money, Normally crypto offers are good for easy money but NEVER sign up to some dodgy site even if the reward looks good it just isn't worth the hassle