11. Sell your clutter on eBay
Take this quick test: You’re at home. Open a cupboard. Look inside. If it’s full of clothes you haven’t worn, or ‘good ideas at the time’ you haven’t used, for, let’s say, three years – you don’t need them. So why not sell them to someone else who does? For fans of the understatement: Ebay is quite well-known and popular now. The great thing is you really can flog any old garbage – for a commission. Tip: you may want to buy a few items first to build up your rating as a respectable eBayer before you start selling.
Income: Will depend on what’s in your cupboard
12. Use your talent to earn extra cash
If you’re not a pop star by the time you reach your 20s you’re probably never going to be. That’s probably just as well as the only way to pop stardom in 2013 is if Simon Cowell wants to marry you. But you may be able to use your talent as a guitarist to teach other wannabes the rudiments of the 12-bar blues.
Income: It’s not unreasonable to charge £20+ an hour
13. Do DIY
We’re a nation of obsessive DIYers and for around £100 you can take a course at your local adult education college to improve the skills needed to tackle most household repairs. If the college runs plumbing courses you could soon be on track to wiping out costly call-out charges and extra insurance policies once and for all. Remember to film yourself at work so that if it goes wrong you can sell the footage to Harry Hill (see link).
14. Shop around for the cheapest household insurance
15. Don’t automatically renew annual travel insurance
If your annual holiday insurance policy is about to expire and you don’t have a holiday booked, DON’T renew the policy. You’re handing your money over to cover an eventuality that won’t happen. People do this! Don’t! You wouldn’t have car insurance if you didn’t own a car. Some people probably do, dagnabbit. But you definitely wouldn’t insure your pet giraffe if you didn’t have a giraffe. So don’t insure a holiday to the Serengeti you haven’t booked it. Simply restart the cover again the next time you book a trip.
16. Choose cheaper breakdown insurance
The breakdown sector is dominated by big companies with short names such as the AA and RAC. But being towed home if your car breaks down is just another form of insurance like any other and there are scores of cheaper alternatives, some with names made up of actual words.
Saving: Up to £100 a year
17. Are you paying too much for your life insurance?
Ever since we started washing our hands, humans have been getting healthier. As a result we’re living longer – and the cost of insuring the unthinkable is getting cheaper all the time. If you were sold a policy when you took out or mortgage you may have been under too much stress to shop around. You could be missing a trick. We are not sure how life insurances can be affected if you claim benefits such as ESA (ESA Phone Number)
18. Book early
Low-cost airlines are growing up. Easyjet lets you choose a seat. Norwegian is planning transatlantic flights for £300. Michael O’Leary, the boss of Ryanair, has even promised to be nice. Just remember, only a few seats on each flight are sold at bargain-basement prices and once they’re sold, the prices rise. So book early.
19. Book your own package
20. Learn to say ‘no’
It’s easy to give in to the demands of a screaming child in a packed Poundland on a Saturday afternoon. ‘Get me that bottle opener! I want a bottle opener. I know it’s poorly made and won’t last more than seventeen and three-quarter minutes. But I’m six! I want one. It’s only a pound!’ Similarly, how often does a ‘swift half’ after work turn into a £151.12 drinking session? Saying ‘no’ a few times a year will do wonders for your bank account.