A Financial Journey

Ways to Make Money

I strongly believe that everybody can make some money, and if they’re already working, more money.

The average Brit spends nearly 2 hours a day on social media. If you deduct the inevitable time people spend on social media while at work, that’s still likely to be well over 1 working day per week. If you can use a computer and have access to the internet, then you do have the opportunity to earn money. It may not be as much as you would like, but isn’t it better than nothing?!

Below I’ve listed a few ideas. Some I’ve tried, some I haven’t.

Investing in yourself

Your biggest asset is your ability to earn money. Invest in yourself by building your skills and qualifications. You can learn pretty much anything online now, often for free. Organisations like The Skills Network offer many fully funded courses, as do Corsera and Udemy.


This is a no-brainer. If you’re ordering online anyway, go via Topcachback (usually the best payer) or Quidco. To date I’ve had £1245 from Topcashback, £1000 from Quidco and £450 from Kidstart (this is slightly different, as the money can only go into a child’s account). Family can also connect their accounts. Good cashback if you shop at John Lewis.

That’s £1000 for the sake of a few clicks.


An easy way to earn a few quid is online surveys. There’s a fair few companies, however they vary considerably in terms of number of questionnaires, payout, and the ‘screen out’ rate (which can be frustratingly high. Say hello Valued Opinions!). I’ve used (and still use) the ones below. I’ve skipped the ones I no longer use, most of which aren’t worth the effort.

Populus LiveYouGov

Stock Photography

I’ve been providing stock photography for around 10 years, with varying degrees of luck.

There are essentially two type of stock; micro stock and traditional stock. Traditional stock sells based on the size and usage of the photo. This can be a couple of quid for online use, or £50 or so for a magazine cover or similar. Microstock uses royalty free image licensing. This means that customers have accounts allowing a certain amount of downloads, and they can use a photo they download as many times and in any way they choose. Commission can be as little as 20p. Not surprisingly photographers were never keen on this method!

With royalty free, you need a model release form for any identifiable people in the photo, and property releases for any trademark protected property, buildings, cars etc. This is rather unlikely, so you are really limited in what you can shoot.

I believe that Alamy is still the largest traditional stock site. Shutterstock seems one of the biggest microstock site, often seen in program/film credits. iStock is also large, though now part of Getty. I’ve sold hundreds of photos through iStock, and a couple of dozen through Alamy, making about the same from each.

It’s difficult to stand out; when I started using Alamy it had 8 million images for sale. It now has over 180 million. It is possible to sell though; think concepts rather than items.

Shots need to be be technically competent – focused, high-resolution, accurate colours etc, but the key is to shoot themes which are currently in vogue. At the moment that seems to include multi-generational and multi-ethnic families, so if you have access to a photographic one, get some forms signed and get shooting!


I have recently released an ebook explaining the various ways you can make money from your photos.


People per Hour / Fiverr / Taskrabbit

Be part of the ‘gig economy’ These sites connect freelancers with buyers. I’ve used PPH and Fiverr for various web-related tasks, including SEO, link building, logo design, and fixing the security certificate of my site after I managed to break it. Overnight. for £12.

I haven’t tried Taskrabbit, but it’s a more local for more physical tasks. They’ve recently partnered with Ikea for flat pack building. Other tasks on there include TV installation, man-with-van, and cleaning. Looks pretty handy for 1-off jobs. If you’re handy with an Allen key, have access to a van, or are a dab-hand with a duster there are certainly ways to earn a few quid here.


This a simple to use location-based app, which offers tasks within a set radius. These are usually going in to a shop, checking for certain displays, and photographing them. The money isn’t bad if you don’t have to travel too far. Some tasks need you to interact with staff, but many don’t.

Bank Switching

A fairly simple way to make some money is to switch your bank. Despite pathetically low savings rates banks do still want our business, so why not take advantage? I have 3 accounts. One I’ve had for 20 odd years. The other 2 I switch every year. This year I’ve made £250, and my partner £50 as a referral fee. This took about an hour’s work, and probably the same to sort out any resulting issues. That’s £125/hr. I’ll keep doing it until I run out of options (most offers exclude recent customers).

You need to pay in an amount each money, usually £500-£1000/month. However it doesn’t need to be a different lump of cash. You can pay your salary into one account and automatically transfer enough into the other account. You can pay it back over if you want, depending on which is your preferred account for day to day use.


One I haven’t used. This site allows you to sell your study notes. Seems like a good idea if you have comprehensive, up to date notes. I don’t think my 1997 GCSE scribbles will be worth much.

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