When money’s tight, traditional advice like “budget better” or “stop eating out” doesn’t always cut it.
After all, how do you budget money you don’t have, or stop doing things you haven’t been because you can’t afford anyway? Sometimes, you need unconventional tactics to stretch your cash (or help generate some more of it). Here are some weird but surprisingly effective ideas to help you get by. They’re not solve-alls, but they might make a difference.
1. Barter for goods and services.
Source: Unsplash Think bartering is a thing of the past? Think again — this actually still works. Whether it’s trading homemade meals for babysitting or offering your design skills in exchange for plumbing repairs, bartering can be a lifesaver when money’s short. It’s all about leveraging what you can offer to get what you need. Start by asking friends, neighbours, or local community groups if they’re open to a trade. You might be surprised how many people are willing to exchange services instead of money, especially if they’re feeling the financial pinch too.
2. Sell random items you never use.
Source: Unsplash We all have stuff lying around that we haven’t touched in ages. Old clothes, unused gadgets, or forgotten kitchen appliances could be worth something to someone else. It might not seem like much, but every little bit helps when you’re struggling. Try selling on platforms like eBay, Vinted, or Facebook Marketplace (but beware of scammers!). Even a £5 sale can cover something small like a loaf of bread or some milk. Bonus: you’ll declutter your space while adding a few extra pounds to your wallet.
3. Become a mystery shopper.
Source: Unsplash If you enjoy shopping, mystery shopping could be a quirky way to make a little extra cash, or even score free meals. Companies pay people to visit stores or restaurants and provide feedback on the experience, often reimbursing you for purchases. Sign up with legitimate mystery shopping platforms to find gigs in your area. While it won’t make you rich, it’s a fun and unusual way to supplement your income while getting free perks along the way.
4. Save every 1p and 2p coin you get.
It might seem silly, but those tiny coins you usually ignore can add up over time. Start collecting every penny and two pence you come across in a jar. It’s a small, almost effortless habit that can eventually turn into a surprising chunk of money. Once your jar is full, take it to a bank or coin machine to cash it in. You could end up with enough for a week’s groceries or to pay a small bill. It’s an old-school trick that still works.
5. Sign up for paid focus groups.
Companies and organisations are always looking for opinions, and many are willing to pay for your time. Focus groups can involve everything from testing new products to sharing thoughts on adverts or upcoming campaigns. Search online for local focus group opportunities or sign up with research agencies. Some pay in cash, while others offer gift cards or vouchers — either way, it’s a quick way to earn money without much effort.
6. Use cashback apps for everything.
Cashback apps reward you for purchases you’d make anyway, like groceries or petrol. While it might not seem like much at first, the savings can add up over time, especially if you’re strategic about where you shop. Apps like TopCashback or Quidco are great places to start. Even £2 or £3 back on everyday purchases can make a difference when you’re scraping by financially.
7. Batch-cook odd meals from what’s left in your cupboard.
When money’s tight, it’s time to get creative in the kitchen. Take stock of what’s already in your cupboard or fridge and figure out how to make the most of it. You’d be amazed how far a bag of rice, a can of beans, and some frozen veg can go. Batch-cooking meals like soups, stews, or casseroles from random ingredients not only saves money but ensures you have something to eat throughout the week. Plus, you might stumble upon a new favourite dish.
8. Cancel subscriptions and see how long you can last.
Streaming services, magazines, or gym memberships might not seem expensive individually, but together they can eat away at your budget. Try cancelling non-essential subscriptions, even if just for a month, and see how much you can save. If you miss them too much, you can always resubscribe when things improve. In the meantime, find free alternatives like YouTube workouts instead of gym classes or borrowing books from the library instead of buying them.
9. Rent out something you own.
If you own something other people might need, like a car, a bike, or even a spare room, consider renting it out. Peer-to-peer platforms make it easier than ever to monetise items sitting idle. For instance, you could rent out your driveway for parking, your tools for DIY enthusiasts, or even a tent for campers. It’s an easy way to earn extra cash without selling your belongings outright.
10. Do odd jobs for cash.
From dog walking to babysitting or assembling flat-pack furniture, odd jobs can help you make quick money without a formal commitment. Websites like TaskRabbit or local Facebook groups often list opportunities for small, one-off tasks. Don’t be afraid to advertise your skills or services locally. Whether it’s cleaning, gardening, or helping someone move, a few extra gigs can help you bridge the gap when money’s tight.
11. Downgrade your mobile plan.
Are you really using all the data and minutes on your current mobile phone plan? Chances are, you could save a good amount of money by switching to a cheaper package. Many providers offer affordable SIM-only deals that could cut your monthly bill in half. It might feel like a hassle to switch plans, but the savings can add up quickly. Even £10 or £15 less each month is money that could go toward something more essential.
12. Sell handmade items.
If you’re crafty, consider making and selling items like jewellery, artwork, or knitted goods. Platforms like Etsy or local markets are great for reaching buyers, and even small-scale sales can provide a bit of extra income. You don’t need to create masterpieces — simple, unique, or functional items often sell well. Plus, crafting can be a therapeutic way to take your mind off financial stress while also making money.
13. Check for unclaimed money or benefits.
You might be entitled to benefits, tax refunds, or even forgotten savings accounts you didn’t know about. Websites like the government’s benefits calculator or your local council’s support services can help you find out what you’re eligible for. It only takes a little research, and the payoff could be significant. Whether it’s council tax discounts, energy grants, or rebates, a bit of digging can uncover money that could make a real difference in your budget.
