I spent a total of £88.28 for the whole week on groceries, train fare and the chips. I had to break the challenge after the hike to get the £2.50 train back home from the destination we reached.
TIKTOK LIFE HACKS FREE
Throughout the seven days, I went to a day of seminars about happiness, a retro games tournament, a breath-work session, a comedy night, a sound therapy session, a collage-making workshop, three art exhibitions (they even had free beers), a film screening, a salsa dance class and on a hike with a bunch of strangers. I worked from the library with a packed lunch and homemade coffee in a flask during the weekdays, and it turns out there are loads of free things to do in my local area. So you have to have that money in the first place, which obviously not everyone does, and if you’re in your overdraft then you have to pay that all off first. Although banks say doing this won’t affect your credit score, sources elsewhere online say it can – especially if you’re trying to apply for a mortgage or big loan.Īlso, there’s small print on each switch deal that says you usually have to deposit a chunk of money into the new account within a certain amount of time (HSBC need £1500 within 60 days, for example) for the switch deal to be triggered. It took just over a month to complete the three switches.īe wary, too.
I had to apply and wait to hear back from them then fully close my bank account and move everything over to my new account then close that account and do it all again. Sadly, as I was already with Natwest, and both Ulster Bank and the Royal Bank of Scotland are part of the same banking group, I could only switch banks three times in total.Īlthough I got free money, the whole thing was a bit of a rigmarole. I found five banks that offer cash rewards for switching accounts: Natwest, HSBC, Royal Bank of Scotland and Ulster Bank all offer £200 and First Direct offers £175. No, this is not a drill – you can literally get free money for moving banks. You’re not “bad with money” because you’re broke despite working all hours under-the-sun. Oh and for the record, although some of these methods force you to categorise things like going to gigs, having beers with friends or buying a coffee as luxuries, I vehemently disagree. I actually had a lot of fun doing these by framing these as “little challenges”, but I don’t doubt they’d be harder when done long-term and out of pure desperate necessity. Then I then worked out how much I’d save if I did them for a year, for ease of a comparison.
From effectively fucking over banks to switching back to cold hard cash, the hashtag #MoneyTok has over 10 billion views on the app, while similar searches including #MoneySavingTips and #Savings with 1.4 billion views each.īut do they actually work? To find out, I chose five viral money-saving hacks and did each one for a week. Thus, they’ve taken it upon themselves to share some money-saving tips with the world. For TikTok users, though, proactivity is more popular than wallowing. Saving money can seem about as rare and impossible as a compassionate Tory politician. And we’ve got Kirsty Allsopp off the telly telling us that if we gave up Netflix and coffee we’d be able to buy a house. Meanwhile, the number of British billionaires has increased by 20 percent since the pandemic.
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