I recently blogged about ways you can start saving money for Christmas and this post predominantly focused on ways to save (apart from the bit about phone apps). To go hand in hand with that post, I’ve decided to do another, this time focusing entirely on earning extra money. If you start now, hopefully, you should have a tidy little pot saved away just in time for December.

Obviously for people who work full time this type of post might not seem necessary – but these are just little tips here and there to take into account in your free time.

Formidable Joy | Money | 5 ways to earn more money for Christmas | Moneysaving

Got an extra skill like copywriting or being really good at using spreadsheets? People Per Hour is a great way to sell your skills at your prices and with your availability. I haven’t used it recently as I’ve been way too busy, but back when I was working part time I’d to all sorts of admin jobs on here and probably earned about an extra two grand just using it part time in the space of a few months. This is more ideal for part-time workers or stay at home mums but if you check it regularly and have skills to sell, it’s worth using.

You’ll likely be getting tons of new clothes – or money to put towards new stuff – for Christmas anyway, so now is the best time to blitz your belonings and get rid of anything you don’t need or no longer wear. Try eBay or Depop for the nicer stuff, then take the bulk of what’s left to a bootsale. Anything left over? Simply give it to a charity shop. This is the perfect way to get rid of stuff just sitting around doing nothing and to earn some extra dosh in the process.

If done wisely, you can always earn some extra cash when playing online casinos. Yes, it is based on luck but if you use beginner deals (with cashback websites!), more often than not you’ll end up coming away with an extra few quid in your pocket. I always find I have beginners luck too, so I tend to sign up to a new site, play it a few times until I get bored and/or win and then move on: it’s super important to see it as a fun or thrilling away to bet some spare cash and not get addicted. As long as you remember that, it’s fun!

The run-up to Christmas is the best time to get crafty because it’s so damn cold outside and everyone goes into hibernation. If your creations are any good, use websites like Etsy – or go to a craft fayre/Christmas market – to sell what you’ve made. Christmas cards or hampers are very popular at this time of year and, if done right, can be a very easy way to earn extra money. Buy smaller bits in bulk, create it in a way that looks pretty then sell it on: easy peasy.

Finally, it might take a while – but you can earn extra money just by walking. Apps like Sweatcoin are great for this as you just download it to your phone and it tracks your steps, awarding you virtual money as you walk. You can redeem this virtual money for cool offers via the app or keep walking until you have enough to put towards extra cash. Currently, you need 20,000 points to get 1,000 cash and I am on 500.71 points, but I’m getting there! I also sit on my ass most of my day too, haha. So if you’re a big mover or work out a lot for your job, hitting this target in time for Christmas should be super easy for you.

These are just five small ways to earn some extra money ready for an expensive season: you can use them as casually or as seriously as you want. However, by using just one or two of these tips you’re guaranteed to earn at least some extra money in time for Christmas – do let me know how you get on!



First of all, huge apologies for using the dreaded C-word so soon! However, if you’re anything like me, you’re already beginning to save for the season – not just for presents but for all the parties and events and the run up of things to do over Halloween too.

Winter is one of the most expensive times of the year so it’s never too early to start thinking ahead and saving. Here are some small ways I’m beginning to save now.

Formidable Joy | Money | 5 ways to start saving for Christmas | Moneysaving

Since installing this app late last summer, I have saved a whopping £788.90 without even realizing it. I have dipped into it during that time (for things like Christmas and travel, as that’s essentially what I wanted to save for) but it’s still a hell of a lot knowing that that money was just burrowed away little by little without me even noticing. Esentially you link up your bank account (it’s totally legit and safe though!) and, depending on your spending that week, it’ll put aside only what it thinks you can afford to save. It’s so smart. You can find a full in-depth review here and more information about all it’s amazing qualities, but basically I never shut up about this app. PS, use the code JLB3BY to grab 1% interest – this works out at about an extra 30p a month for me currently. Not a huge lot but every little helps!

I actually used to take part in a lot of survey websites and still think it’s a great way to earn extra cash: if you’ve got time. But if you work full time like me, it’s pretty impossible to dedicate a couple of hours each night to taking surveys! Therefore, more recently, I’ve been downloading apps and taking shorter surveys/doing easier tasks in my spare time (like watching TV etc) and have earned a fair amount of extra dollar. My favourite apps for this are Surveybods, CitizenMe (for little but instant payout direct to Paypal), OnePulse and Curious Cat.

My Monzo card is an absolute life saver and I’m constantly meeting new people who use it too or recommending it to people! It’s essentially a budget app but you get your own (super cute, may I say) card to use, which you can top up via your phone. It’s linked to the app so everytime you make a purchase, it updates your app so you can see where your money is going. I use it to be more concious of my spending – I update it with money for things like petrol and everyday spending, but my only qualm is that you cannot link it with Chip as of yet. It would be nice if you could because then I could just use my Monzo card for everything, but it’s still super useful for me regardless!

I use cashback websites for everything I buy online. You only get small amounts of money back here and there, but if you leave them for a year, I generally end up with just about enough saved to cover all Christmas presents. Of course, the bigger the purchases, the more you get back: things like car insurance or new phones end up giving you a fair bit of money back. There’s loads out there. Swagbucks is a personal favourite of mine because payment is quick and you can earn via survey websites and seasonal special offers too, but TopCashback and Quidco are also super useful.

Ah yes…adulting. I know it’s boring, but to be a somewhat normal functioning adult, you do need to plan ahead. For example, I knew that this month was going to be an expensive month for me because a) Halloween and b) all my car renewal’s fall this month. So I conciously made an effort to cut back my spending last month to help tide over this month. Over tips include meal planning (I haven’t got this down to T yet, unfortunately I spend so much money buying food on the go rather than taking lunch to work) and even looking into buying presents now. Yes, it’s early, but you’d be surprised at how much prices go up once we hit December. If there’s something you see now that is perfect for someone, buy it! Basically, just get your sh*t together by starting to plan ahead.

How are you prepping for saving money? Let me know!


I love any hacks that come along with saving or earning any extra money. I’m on nearly every cashback and survey site going; and I’ve tried quite a few different saving methods over the years; from putting the remainder of a paycheck into a different account the day before my next pay or just saving old pennies.

I wouldn’t say they entirely failed – I do have a bunch of pennies hiding somewhere at home – but I wouldn’t say they were entirely successful either.

Which is why I recently took some time to research into some new saving methods; after all, I have a lot to save for now and I’m pretty sure you will all benefit from this post too what with Christmas fast approaching!

Formidable Joy | UK Fashion, Beauty & Lifestyle Blog | Money | Money Saving | Chip | Chip App | Lifestyle

Chip is my latest go-to money saving app and so far I am thoroughly impressed. I installed the app in July and have earned/saved £41.72 – although, bear in mind, I didn’t actually start getting paid from my new job until mid July. This money has come out of my bank account bit by bit without me even noticing.

The way it works is this. Chip is like a personal savings bot (you can even chat to it via the app) and you give the (totally safe) app access to your bank account so that it can analyze your spending. Every few days, it calculates a small amount that you can afford to save, based on your spending.

So, rather then choosing a set amount to put aside each month, this app takes into account the fact that some months you might be spending more than usual. It calculates just enough so that it doesn’t affect your day-to-day life, so, for example, you don’t transfer a huge amount and then find yourself short at the end of the month. Likewise, it really analyzes very well, so you don’t save just a tiny bit and then spend loads of money that you have left over unnecessarily.

I was a bit wary at first but I decided to give it a go and I can honestly say it feels like free money as I’ve not even noticed the money being taken.

You also get a notification a few days beforehand to let you know how much will be taken so if you really feel like you’ll be short, you can cancel the transaction. Plus, the bot shares super funny gifs throughout which is always a win in my eyes. You can use the chat to report a problem, so although you speak to a bot, if there is an issue, an actual person will get back to you.

You can pause the app, withdraw your money anytime and can even change how you want to save: at first I had my saving level set to low, then, when I started getting a regular income, I changed it to high.

You can make your own manual savings too, just in case being able to see saved money in your own banking app makes the temptation that much easier to spend it, and you can also save in your overdraft – and we all know how hard it is to save when in your overdraft.

It’s extremely smart, especially for millennials like you and I. I’m very much the type of person to see what I have left over at the end of the month and save that but, as we all know, all too often this does not work.

Formidable Joy | UK Fashion, Beauty & Lifestyle Blog | Money | Money Saving | Chip | Chip App | Lifestyle
And yes, it’s entirely safe and legit. Their website states:

Chip is regulated by the Financial Conduct Authority (FCA) through its agency status with Prepaid Financial Services (PFS). You can look PFS up in the Financial Services Register (FSR) and you’ll find us on
the PFS website too. Sorry about all the TLAs, btw.


Chip has a data control licence – you’ll find us on the ICO register – and we always act in full compliance with the Data Protection Act. Your online banking login details are protected using 256-bit encryption and Chip does not store your data.

That’s cleared that up then.

The app has recently released a new feature to help you save. You pop in details such as how much you want to save and what for and it automatically updates you on how long it will take you to save that amount based on your current activity. It’ll send you regular reminders as you get closer to your goal too.Finally, there are always tons of incentives to earn that bit more – recently, the app offered a £10 sign up bonus for friends and, currently, if you get a friend to sign up, both you and your friend you will get an extra 1% interest (per friend) for a year.

PSST! – my bonus referral code is JLB3BY if you’re interested in grabbing this 1% interest!

Please note, I have of course used my referral code in this post (every little helps!) but you also know how transparent I am with these types of posts. This is not a sponsored post, I genuinely have had a great experience with Chip so far and often like to share any tips on this blog when it comes to saving money. Alternatively, if you are interested in using Chip but would not like to use my referral, you can learn more at getchip.uk.

So, overall, the fact that I’ve managed to very easily save close to £30 (which would undoubtedly be more but I’ve only had two paychecks since using the app!) since July without even noticing it is a total win in my eyes. It’s perfect for my current financial situation and my lifestyle too.