To get a quick jump start with your money in this 21 Day money Challenge, on day 1 we are focusing on free or bonus money. To be clear, this site is aimed at Australians, so the spelling and some words will be different (I know we have people from everywhere doing this challenge), but overall, most of the challenge can be applied to any country.
How To Find Free Or Bonus Money
Free money sounds great, right? How much money do you think is out there, with your name on it and you don’t know or forgot? Here are some plus ways to find other money. Note, I do use affiliate links in my posts for products and services I use. I’ll be hosting giveaways with income from them such as fuel vouchers, gift cards, cash and my favourite items.
Check The State Revenue Office
You can check on the MoneySmart website here, however, I found checking each state individually brought up payments owed to myself, friends and family that were not mentioned in the MoneySmart search. There are links to other options on the MoneySmart site. It is free to search, then you fill in some forms, provide the paperwork and get paid. I had over $200 there, another friend $89, other friends have had a few thousand. I’d love to hear if and how much you get from it.
Check Superannuation (Retirement Funds)
If you have worked a few jobs you might have a few superannuation (retirement) accounts. Search and consolidate them all into one. This way, you will earn more interest and the money won’t be eaten away by fees in multiple accounts. You can check via the ATO website or via AUSFund. When I did this, I had over $900 in an account I was unaware of.
Check your balance from online surveys and loyalty programs then cash them in. If you use Swagbucks, Octopus Group or other online survey sites (this link has ones you can earn over $1,000 a year with), check them and cash them out.
Are you a member of FlyBuys, Everyday Rewards or any other loyalty programs? (You can find a complete list of Australian VIP and loyalty programs here plus 10 ways to get discounts and coupons here). Check them all, cash in your points for gift cards if you want to and if you don’t want to, at least make a note of them all so you know how much you have and from where in case you need it later.
Do you have any gift cards or gift certificates laying around, waiting to be used? Book them in to be used or sell them. With the loyalty programs, gift cards and cashing everything in, I found $430.57 worth.
Bank Sign Up Bonuses
ING often has sign up bonuses. My code is CNW116 if you want to use it when you sign up here. You usually get $50, provided you meet their criteria, until November 30th, 2017, you can get $75!
Acorns make investing easy plus you can get $2.50 when you sign up here. You can invest without having to think about it. It rounds down the small amounts in your account and you can opt to have a regular amount invest. You set it up how you want and grow your money!
Cash Back Programs
If you shop online at all, use the sites PricePal, Cash Rewards or Honey to check you are getting the best rate and get cash back. Even Woolworths offers cash back through these sites. You can find out more here. When I moved and connected my internet I got $75 back through Cash Rewards. Every time I’ve shopped online since I joined I have received between $1 and $80 back. I have $153.43 sitting in there now.
Search for cash
Read 11 ways to find money, then go through the pockets of all your clothes, search your handbags and purses, look under furniture, clean out your car and find cash in a variety of places. Once you have searched everywhere, bank the cash!