Tag Archives: Moneysavings

STOREWARDS: How to make money from your receipts.

When you go shopping what do you do with your receipts? Do you throw them away or even tell the cashier not to bother with a receipt? Well I was the same up until 1 year ago, when I learned that you can earn money from your receipts.

All you need to do is take a picture of your receipt and you can earn money! So keep reading and I will share how I use the newest receipt app Storewards.

What is STOREWARDS?

Storewards is the newest app that allows you to turn your receipts into money. It has replaced receipt hog but is so much better! You earn money by uploading pictures of your supermarket or high street store receipts to the app.

You can also share your referral code and earn 1,000 coins per friend that signs up, they are also working on adding some surveys to the app which again can earn you coins.

You can upload more then one receipt a day which is handy if you visit a lot of shops when you do your shopping.

You can also upload up to 35 receipts per week and they must be from the UK.

Once you have reached a certain number of coins you can redeem your coins for a gift card!

Can I take pictures of receipts from any store?

On the app there is a FAQ’s section which tells you which tickets or receipts are not permitted such as:

  • Post office
  • Household bills
  • Credit card slips
  • Hand written receipts
  • Ticket stubs
  • Refund
  • Public transport
  • Cinema

There are many more so please make sure you check out their app for more details.

You also need to make sure that you take pictures of your receipts within 14 days of your purchase and the receipt needs to readable.

How to take pictures of your receipts?

When you take pictures of your receipts there are certain pieces of information that needs to be visiable such as:

  • Store name (Address and phone number if available)
  • Purchase date
  • Purchase time
  • Purchase total
  • Barcodes (if any)
  • The product and price

How much can I earn from STOREWARDS?

Not only can you earn coins from your receipts there are also other ways as well:

  • Snap receipts – 600 coins for every receipt
  • Invite friends – 1,000 fro every invited friend that signs up and submits a valid receipt, your friend will also earn bonus coins
  • Come back every day – Get daily bonuses every day- you get a larger bonus every day until the 5th day
  • Achieve levels – Your levels go up the more receipts you snap – each time you reach a new level you will get a coin bonus.

If you are interested in signing up then use my referral code weik2 to receive some bonus coins!

They have just recently announced the option to send if online receipts using the email provided on the app. Make sure you read the instructions as there are a list of stores that they accept!

What rewards can I earn?

You can choose how you cash out, you can recieve an amazon gift card or cash into your paypal:

Amazon:

  • 20000 coins = £2 Amazon gift voucher
  • 50000 coins = £5 Amazon gift voucher
  • 9500 coins = £10 Amazon gift voucher

Paypal:

  • 22000 coins = £2 cash via payapl
  • 55000 coins = £5 cash out via paypal
  • 100000 coins = £10 cash out via paypal

I have had this app for 1 month and I have already earned £6 in Amazon gift vouchers and I am very close to cashing out another £2.

I love this app, it is so easy to upload my receipts and I receive my coins within 1 day of uploading.

So what are you waiting for? Download this app and earn yourselves some extra pennies!

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Money lessons I wish I was taught at school

Everything I have learned about money has come from me teaching myself and learned from other people online. I never learned about budgeting, savings, debt or anything to do with finances at school and I really wish I did.

It would have enabled me to understand more about my money and how I can make every penny count.

So this post is for anyone who is unsure how to budget, save and so much more!

Savings:

I wish when I was at school I was taught about savings accounts and how they work. When I left school and started earning money I had no idea which bank to go with and what interest rates are. This meant that I wasted money and when I started my budgeting journey I had no savings.

Everything I have learned about savings is from the internet and the wonderful people over on Instagram.

I have now learned that it is important to save at least 10% of your wage, this will help with any unexpected expenses and emergencies!

Debt:

I was not taught anything about debt, I had no idea that you could use credit cards and spend money that wasn’t yours. One thing I do remember is hearing my parents talking about debt and how bad it is but everyone has some form of debt so its completely normal.

I was so confused by this because at the time all the adverts on TV was telling me to get credit cards, and payday loans great for your credit score etc.

It wasn’t until I started my journey that having debt is not a good thing, and it is not something I should have.

Debt can not only effect you financially it can effect your mental health, the stress of worrying about being able to pay of thousands of pounds worth of debt!

The best way to avoid debt is by having an emergency fund so you are prepared for any unexpected expenses.

Budgeting:

Budgeting is so crucial to your financial freedom and again I had no idea how to do this and how effective it is.

Having a budget no matter what your method allows you to be in control of your money, increase your savings and work hard towards your goals.

I use the zero based budget method and for me it has helped massively.

Check out my post on different budgeting methods that can work for you!

Buying a house:

I did not realise how expensive buying a house was in my head it was something that all ‘adults’ could afford as everyone was buying houses. It wasn’t until I started looking into how much it costs to move I was shocked.

You need at least a 5% deposit of the value of the house you are buying. But with the global pandemic this figure is changing all the time. My boyfriend and I have nearly £30,000 saved which is roughly 15%. But there is also other fees that you need to account for. So please do your research before you start this process.

Not only does it cost a lot of money it takes a long time to move , sometimes it can take 6 months and other times over 12 months.

Pensions:

I thought you didn’t need to start saving for your pension until your ‘older’ but since companies auto enroll people into their pension scheme at the age of 21 it has got me thinking.

I remember learning about pensions at school, but I didn’t learn a lot. Just that when you get old you are giving a pension that helps you live.

I pay into my company pension but I am also considering paying into a private pension as this money will not be enough.

I have learned that it is never to early to start saving for a pension and this is on my to do list for next year!

There is so much more I wished we were taught at school about money and fiances but this post would be hundreds of pages long!

Is there something you wish you were taught at school?

Let me know!

Hannah xx

How making 5 easy swaps can save you a lot of money

Are you struggling to save some extra money? Well keep reading because in this blog post I share 5 easy things that you can swap to save you some extra money. I have tried these swaps out myself and I can honestly say it has saved me loads of money!

Coffee Shop – Homemade coffee:

On your way to work do you buy a coffee? Or on your break do you pop to the shop to get a hot drink?

Coffee and Kidney Disease: Is it Safe? | National Kidney Foundation

Well it may only be on average £3 per coffee but if you work 5 days a week that is £15, and in a month that £60 being spent on just a coffee. That is an huge amount of money to waste on just coffee.

I used to buy a Costa coffee every morning on my way to work, but now I take a flask which has saved me an awful lot of money.

Taking an extra 10 minutes on a morning to make and pack a coffee has saved me £720 a year!

Meal deals – packed lunches:

This is similar to taking a coffee to work, I used to spend a lot of money on food for work. Sometimes I could spend £10 a day on meal deals from shops and other unhealthy snacks. Not only was this bad for my health but my bank balance was suffering as well.

Packed lunch ideas the whole family will love

I now meal prep once or twice a week depending on the shifts I am doing, this has saved me so much money. I can spend £20 on food which will last me well over a week as obosed to spending £10 a day!

Meal prepping has saved me on average £160 a month which works out to be £1,920 saved on food!

Gym – Home:

On average people spend £40 a month on a gym membership which £480 a year! Most of the time people do not visit the gym and waste this money each year.

Should You Avoid the Gym During the Coronavirus Outbreak? | Time

But you can workout from home to stay in shape. I used to visit the gym many years ago but it was too expensive for me.

On Youtube there are hundreds if not thousands of work out videos that you can do at home.

However, if you are someone who enjoys the Gym, and its your hobby then still go. Being on a budget doesn’t mean you cannot enjoy doing the things you like, just find ways to save money!

Hairdressers – Box dyes:

I am a natural blonde but I do need a helping hand, I used to spend on average £50 a month on getting my hair which is £600 a year!

How To Dye Your Own Hair At Home - Step by Step | Holland Barrett

When I started to budget I decided to go to box dyes, I know that some box dyes get a bad rep but for me the Garnier Baby Blonde hair dye (not sponsored) has been really good for my hair. Not only has it saved me money it has also made my hair be in the best condition.

I now spend £10 every two months on a box dye which has saved me a lot of money.

Branded clothes – Own brand/ charity shops:

I was never one for buying branded clothes but I did used to spend a lot of money on clothes from New look, Debenhams etc.

638 Branded Clothes Photos - Free & Royalty-Free Stock Photos from Dreamstime

Now I buy from ASDA, Sainsburys, Tescos, Primark and even charity shops. My first year on a budget I didn’t buy any clothes which was great for saving, but I didn’t feel confident. My clothes didn’t fit properly and I felt awful.

Just because I am on a budget doesn’t mean I cant look nice, and it took me a while to realise this. I now shop at cheaper clothes stores or charity shops and it has been great.

11 ways to save money in 2019 – Which? News

There are many other things that you can swap out but these 5 easy swaps can make a difference if you are just starting out.

Being on a budget is all about trial and error, you will make mistakes but making your lunches at home, and working out from home will save you so much money.

What have you swapped to save money? Let me know in the comments!