How I am using Free Trade to learn more about investing.

One of my goals for this year is to learn more about investing, it is something that I have wanted to look into for a while but I have been nervous. I am worried that I will loose a lot of money which would put me off.

That was until I found Free Trade. I have been using Free Trade for a while now and I have loved this app, I use the free share referral offer to learn more.

This blog is showing you how I use Free Trade referral offer to learn more about investing, I am not providing any investment advice for you to follow.

!Quick disclaimer! This blog post will include a referral link that will allow myself and the person who uses it receive a free share!

What is Free Trade?

Free Trade is an investment app that allows you to invest in stocks and shares you can use a free general investment account (I use this account) or you can pay for their Investment Plus account. You can also get a stock and shares ISA through the app as well.

They are an award winning app with an amazing customer service team to help you. The app itself is very easy to understand, one of the reasons that I love it!

I find the whole world of investing confusing and this app has made it slightly easier to understand.

Free Shares offer:

I have been using Free Trades referral program since October 2020 and I have loved it! I deposited £2 in October and as of Monday 22nd March 2021 I have £309.21 in my investment portfolio which is amazing!

When someone uses my link we both receive a free share, and I either keep them and let them grow or I sale them and buy more.

For me using this referral program has helped me play around with investing without losing any “real money”. I am slowly learning what stocks to go for and when to keep them and sale them.

I know I still have so much to learn, I am sure someone who is a pro at investing cringes when they see my stocks! But for me I have made a profit and each week I share my link on Instagram and get more free shares.

At some point this year after I have some more money put away in my emergency fund, I would like to start depositing my own money each month to invest and increase my net worth.

If you are interested in Free trade and using their free share referral program follow the link bellow:

Free Trade Link: > https://magic.freetrade.io/join/hannah/6adf4d51

To get the free share you need to:

  • Download the app using my link
  • Select the FREE General Investment Account (GIA)
  • Deposit £2
  • Fill out the form and other profile questions
  • Wait 6-10 days to receive the free share
  • The free shares are released on Wednesday

Once you have received your free share you can either keep it and let it grow, sale it and withdraw the cash or sale it and buy more shares. The free shares are worth £3 -£200 so in theory you should make a profit on the £2 you deposit! And once your profile is all set up you can share your referral link with family and friends to earn even more money.

So I will be sharing my journey when it comes to investing over on my Instagram so why not join me.

Do you use free trade? Do you like it? Let me know!

Saving challenges are good for me!

We all remember the meme of the little boy shouting at his nanny saying “Bacon is good for me” well I am like that child, but for me I am cradling my budget folder shouting “saving challenges are good for me!”

I love saving challenges! I have become addicted to them over the last few years, every month I take part in some form of saving challenge.

For me they are great way to save little bits along side my main saving goals, they also help me reduce my spending.

But there are so many saving challenges out there so which ones are the best?

Well keep reading as I will be sharing my favourite challenges!

20p Challenge

I love this challenge, I found it many years agoand have been doing it ever since.

In 31 days you can save £99.20 (I always round it up to £100) this challenge is perfect for getting you into the habit of saving daily. You can do this challenge in two ways:

Start at day 1, you put away 20p

Day 2 you put away 40p

Day 3 you put away 60p

and so on, you simply go up by 20p per day until on day 31 you put away £6.20!

You can also do this backwards:

Day 1 you put away £6.20

Day 2 you put away £6.00

Day 3 you put away £5.80

and so on, until day 31 is 20p.

Doing it backwards is really handy if you are paid at the end of the month, at the beginning of the month we have more money so starting out with the larger amounts will make this more manageable.

You do not have to complete this tracker with months that only have 31 days in, you can do it all year round like I am. On day 30 simply put away day 30 and day 31.

Money Monday (@lottiebudgets)

This challenge is created by the lovely Lottie from @Lottiebudgets (Please go and check her out) she created not 1 but 3 saving challenges to do on a Monday!

  • Money Monday Save £450 in 21 weeks
  • Money Monday Quarterly save £500 in 13 weeks
  • Mini Money Monday save £200 in 8 weeks
https://www.instagram.com/lottiebudgets/?hl=en

Simply pick which amount you would like to save and every Monday tick off a amount. Lottie has all the trackers you need over on her page so make sure you go and check them out.

For the last few months I have been doing the Mini Money Monday as I am on less pay so for me this is much more manageable and I love it! I do this challenge along side my other saving challenges.

Fiver Friday

Fiver Friday is a simple as that, you put £5 away each Friday. This is perfect to help you save up for someones birthday or even a pot just for yourself.

If you do this challenge all year round you can save £265, so this a great challenge to help you save for Christmas or weekends away.

I have been doing this challenge for a few weeks and I used my money to buy mothers day presents so it is well worth it!

1p Challenge

I love this challenge! You save for 365 days! I first discovered this challenge on the one and only Skint Dad website.

You simply save up your pennies following his tracker and you can save over £600 in 1 year!

https://skintdad.co.uk/skint-52-week-saving-challenge/

Having an extra £650 at the end of the year is a massive help and you can start this challenge at any point in the year, just make sure you do it for 12 months.

52 Week Challenges

There are so many year long challenges out there, which means you have to put money away each week and they are brilliant.

You can save £10,000 in 52 weeks, take a look at the images below to find some 52 challenges that could work for you!

I can’t recommend saving challenges enough, to help you get into the mindset of saving money each day, week or month.

What are your favourite saving challenges? Let me know!

And don’t forget to follow me on Instagram to keep up to date with my journey and the daily budgeting tips I share!!

The Apps I use to help me earn some extra cash!

I get so many questions about the apps I use to earn some extra cash so I thought I would share them.

I have shared my survey apps before but this is all of my app apps, surveys, cashback sites etc.

!Quick Disclaimer this post does include referral links/code that will earn us both points/money!

Survey Apps:

I have spoken about survey apps so many times so I won’t go into to much detail but here are the survey apps I am using at the moment!

  • Qmee: Cash out is 1p via PayPal (Available to download on apple store and google store)
  • Attapoll: Cash out is £3 via PayPal (Available to download on apple store and google store)
  • Streetbees: You earn money for each survey complete and approved via PayPal (Available to download on apple store and google store)
  • Curious Cat: Cash out is £1 via PayPal (Available to download on apple store and google store)
  • Prolific: Cash out is £5 via PayPal (Website only)
  • Appinio: Cash out is £10 via Amazon gift card (Available to download on apple store and google store)

If you are interested in any of these apps then check out the links below to start making some money!

Qmee: Using my link we will both receive 50p when you complete your first survey > http://qm.ee/2OJZ5PK2SIDDW

Attapoll: Using my referral code yylyt you will receive 40p and I will get 20p

Streetbees: Using my code 7758XGE you can earn extra cash!

Appinio: Using my code 1372db and you will receive 1600 coins when you reach level 14

Prolific: No referral offer >https://prolific.co/

Cashback apps:

Cash back apps are a great way to earn money back on either your online shopping or in store shopping.

You do need to spend money in order to use the cash back offers but it is worth it.

  • Shopmium: Earn cash back or money off your grocery shopping (Available to download on apple store and google store)
  • Green Jinn: Earn cash back or money off your grocery shopping (Available to download on apple store and google store)
  • Checkout Smart: Earn cash back or money off your grocery shopping (Available to download on apple store and google store)
  • Quidco: Earn cash back on online orders include house hold bills (Available to download on apple store and google store)

If you are interested in any of these apps then check out the links below.

Receipt Apps:

I have two receipt apps that I use. You simply take pictures of your receipts and you can earn points that you can cash out for cash via PayPal or Amazon gift vouchers.

  • STOREWARDS: Take pictures of your in store and online receipts (Available to download on apple store and google store)
  • Shoppix: Take pictures of your in store and online receipts (Available to download on apple store and google store)

If you are interested in any of these apps use my links below!

STOREWARDS > https://play.google.com/store/apps/details?id=co.storewards&hl=en_GB&gl=US

Shoppix > https://www.shoppixapp.com/

These are the apps that I use to help me earn some extra cash!

What ones do you use?