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February 2017

top cashback websites Make money as you shop

Top cashback websites – Make money as you shop

By | Debt Help | 2 Comments

Cashback websites have become a phenomenon in the United Kingdom in recent months. Cashback websites work by paying you a percentage of your purchase spend when you click through to the retailer directly from the cashback website.

How does it work?

Cashback websites work in just the same way as a general purchase would. However, you make the initial contact with the retailer by directing to them via the cashback website. For example, if you are looking to buy an Xbox One game, direct your initial search to a cashback website of your choice, and search for a retailer in their search box, let’s use Game as an example here, once you have selected Game, a cashback percentage will be indicated before you are directed to the retailer, “5% off all Xbox One games”, great! click ‘shop now’ and you will be automatically directed to the retailer’s website, everything at this point will look just as it would have had you gone directly to the retailer’s website. The cashback website will track your activity on the website and any purchases made will be confirmed and the value of the cashback will be added to your account.

Why do I get paid to shop via cashback websites?

Cashback websites use affiliate links, which allows the retailer to track where the purchase has come from and pay the cashback site a percentage for that lead. Affiliate links are commonly used by YouTube starts when endorsing a product. In a general sense, affiliate links pay companies like cashback websites, comparison sites, and YouTube sensations a percentage of the sale by simply sending leads through to the retailer and increasing web page traffic.

Top cashback websites



Topcashback is free to sign up to and provides thousands of offers from almost every single retailer you can think of. You can link TopCashBack up to your bank account so any funds that you have accumulated can be paid directly into your bank account. You can also swap your cashback for Tesco or Amazon vouchers.

TopCashBack also has an app that will allow you to buy online via your phone and continue to track all purchases, adding your cashback funds into your account which you can view directly from your dashboard on your mobile app.

Apple App Store TopCashBack

Android App Store TopCashBack


Image result for quidco logo

Quidco provide cashback offers from over 4500 retailers. You can set up a free account which will allow you to get your cashback paid to you via direct bank transfer, PayPal or as an Amazon gift card. Quidco claim that if you use their site as a regular form of shopping you can earn an average of £280 per year!

Apple App Store Quico

Android App Store Quidco

Solutions to your personal financial situation

Solutions to your personal financial situation

By | Debt Help | No Comments

Solutions to your personal financial situation

Our financial circumstances are one of the most fundamental parts of having a healthy and prosperous life, yet we find ourselves in uncontrollable situations due to our lack of control when it comes to our spending.

If you find you lack control over your finances, struggle with debt and are stressed to the eyeballs due to this, take a moment to read through the steps below that will help you deal with the situation you may be facing and how to reduce the risk of this happening again in the future.

Write a budget

Don’t live a lifestyle you cannot afford to live, take the time every week to write down your income and expenditure for the week ahead based on essential living costs and household bills. Whatever you are left with after this should be divided up into a savings pot for emergency funds, a food shopping list for the week, school/work essentials and any other costs you think may incur for the week ahead.
There are multiple budgeting apps available for Apple & Android, try and get your hands on one of these as they will really help you stay within your means. Here’s a great free app to get you started: Visual Budget

Do not apply for high interest loans such as payday loans

Over utilising payday loans as a resource for quick funds is not a reasonable way to live your life if you are wanting to focus on a more sustainable finical situation.
Payday loans are there to provide people with quick funds when they are struggling to make it through the month until payday, but with this comes extortionately high interest rates. This is all good and well as a one-off situation, but making this a regular occurrence implies you have a greater issue and are living beyond your means, refer to the above point if this is the case.

Research the debt resolution options out there

If you find your financial situation has become uncontrollable, then it may be time to seek professional help. Living in Scotland there are multiple plans available to you which can help manage your debt.

Trust Deed

Trust deeds are debt management plans available only in Scotland. They are an agreement between an individual in debt and their creditors. It enables the borrower to pay back some or all of their debts. At the end of the trust deed, the individual is declared debt free. This works by the individual in debt giving their assets to a trustee, who is a qualified insolvency practitioner, and they go on to sell the assets in order to pay back the debts. The individual in debt will also be required to make payments towards the debt from their income for five years, although this time varies case by case.


Sequestration is a form of bankruptcy in Scotland. It can be considered a ‘last resort’ due to the possibility of you having to lose personal assets, such as your home and car. With sequestration, you will only make payments towards your debts if you can afford to, taking into consideration your current income and expenditure. Payments can occur for up to 4 years, but you will usually be discharged after 12 months and any outstanding debt is written off.
For more information on the plans available for you to manage your debt, you can call our 24-hour debt helpline and speak with an expert debt adviser on the best solution for your circumstances.
To find out more visit