Do Cashback Sites Really Work?

TopCashBack and Quidco have actually paid me so yes, they do. I personally think that these sites are brilliant, I’ve had my TopCashBack (TCB) account for about 4 years and I’ve had £1100 back so far on stuff I would have bought anyway. Just to be clear, sometimes it’s not worth using it but those situations are really quite rare.

The best deals are for switching utility, insurance, mobile, TV and Broadband suppliers, some pay over £100 and the cash actually comes back to you! It takes some time but its real actual money, not vouchers with conditions, but genuine useable moolah.

Please never stay with your supplier just because you “can’t be arsed” to switch. Even if you find a good deal but still can’t be arsed, ring your current supplier and tell them what you’ve found and for how much, chances are they will reduce your bill there and then (I’ve done this a few times). Would you like to be paid £80 for less than an hour of your time? Yes? Then I think it’s worth being arsed!

As an example, I moved house last year and I needed new contracts for everything, so this is how it panned out:

  • TCB compare site:          £2.50
  • New utility gas:                £80.00
  • New utility lecky:           £80.00
  • New sky connection:    £80.00
  • Extra sky bonus on a prepaid master card: £50

The Gas and Lecky came from the same supplier but I signed up separately so I got the dual fuel discount and the cashback.

I was a bit cheeky with the sky to be honest, the deal was for phone and BB only and sky were offering a £50 prepaid master card for this same package so I went through TCB to order the package, then called up sky and asked for the MasterCard (they said yes!). Then 6 months later (min contract term to get the cashback), I rang sky again and added the TV package, so that was £130 back in total! A whole year of service will only cost £520! It’s not in any way illegal, but it is super savvy!

Total money back just on the new providers after the move: £292.50. Plus I’m confident that I got the cheapest providers so this is all on money I would have spent anyway. I actually turned this into a “free” xBox for Christmas which I will enjoy so much more knowing that it was bought with free money.

Sometimes it doesn’t work so directly though and you need to make sure that you check all avenues, don’t presume this route is always cheapest (though is mostly is!). I did a search for new car insurance recently and I started with TCB compare. I also checked other compare sites via TCB such as confused.com etc. this way you still get paid for comparing, but I still wasn’t that happy with the results.

I eventually found a provider that was offering the cheapest cover, I checked their actual site directly (i.e. not via a comparison site) as this is sometimes cheaper, and finally went through the TCB link to the provider directly and got £45 back on a £280 policy which I thought was quite good!

If you are going to spend any money on anything at all, do it through TCB or something similar. Some sites such as eBay only give you a small % but it adds up over the year and they give you bonus days occasionally, plus if you leave it in until Christmas and then take all your cashback out through one of their “wallet” options, you can get even more added to it.

My experience of doing this was letting it pile up for a few months and then taking the pay out in the form of a Primark voucher, that way I got an extra 7% on top. I took my daughter on a free £100 spending spree and was top mum for over an hour!

Have a read of the sites for more info. I can definitely vouch for this NOT being a scam, the cash sometimes takes a while to arrive but it comes through eventually and their customer services are really good in my experience.

Visit topcashback or quidco to see how this might be useful for you.

There are also plenty of forums on line where people recommend sites and best cashback deals. So if you really want to get into it; have a google!

It’s not strictly cash back but if you are making a considered purchase; Shop around and be cheeky!

If you find something in a shop, there are apps that let you scan the bar code and google it. Sometimes if you show the shop that you’ve found it cheaper, they will beat the price there and then. I did this in Clarks a few months ago; I’d been emailed a voucher for money off online purchases but I asked in the shop and she gave me the 20% off on the spot!

If you are shopping on line do the same, google what you are looking for and don’t just default to eBay and Amazon, they are not always the cheapest. If you absolutely need to buy something, and you are sure you would spend the money anyway craic on, just don’t spend more than you have to. Also please DON’T buy on credit through the stores unless they give you money off to do so and you pay it off before any interest, fees or charges kick in because these are usually the highest rate cards and the easiest to forget about.

Another thing I do now to keep my spending down is instead of checking out as soon as I want to buy something on line, I leave it in the basket for a few days and then only check out and buy it if I really need to. I have found that when I sit down and really look at all the stuff in my basket, I delete quite a bit of it.

See my other posts for some more discount hacks and links.

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