Mum makes £4,000 without leaving home using two websites – and says you can too

Lynn Beattie, who runs Mrs Mummypenny’s personal finance blog, is a big fan of cashback sites and estimates she’s made £4,000 in the ten years since she’s been using them

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Mrs Mummypenny on how to save money with cashback

Cashback is one of my favorite ways to easily save money and make money while shopping online and changing important bills.

I first set up my account ten years ago and amassed £4,000 in cashback through smart shopping and switching offers.

Cashback is an additional rebate you get on all online transactions when you click through to your chosen retailer via a cashback website.

The biggest cashback sites are Top Cashback and Quidco. Set up an account now if you haven’t already.

Suppose you want to buy a new pair of Nike sneakers. You search for Nike on the cashback page and it shows all the current offers.

Currently, Top Cashback is offering 6% cashback on full price items and 4% on sale items.

Lynn Beattie runs Mrs Mummypenny’s personal finance blog


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Next you click on “Get Cashback” and you will be redirected to the Nike website where you can order and pay as usual.

The cashback site will register your cashback amount depending on the cashback rebate amount percentage and your spending, and the cashback will show as pending in your account quickly.

After a few weeks (taking into account any returns or cancellations) the amount will be confirmed (by the retailer) and then due.

How much have you made from cashback websites? Let us know:

You can then either transfer the money straight to your bank account or PayPal.

Or you can convert your cashback into gift certificates for another discount. Earned cashback can be rewarded with an additional 5% bonus by converting it into gift vouchers.

I love saving my cashback throughout the year and saving it for Christmas to convert into vouchers at a retailer where I intend to buy Christmas gifts.

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There is a wide range of retailers including supermarkets.

Here are the big ways I’ve made thousands of extra savings with cashback sites:

Broadband Switch – £100 per year

I switch broadband every year to take advantage of better new customer offers and a significant chunk of cashback.

I do some research on comparison sites to find the best deal available, this year it was with Virgin.

The cashback offer available at the time was £105, this deal was the same if I had gone direct to Virgin but setting it up through Top Cashback got me an extra saving of £105 first on top of the great new deal.

It sounds too good to be true, but it’s not a brilliant way to get extra discounts on top of the cheap prices you’d get anyway by going direct to a retailer or service provider.

Mobile phone change – £50 per year

I find the best way to save money is to get a SIM-only plan with a wireless carrier.

This can be switched every year with the added bonus of around £50 in extra cashback rebate.

For example, Three Mobile is offering £60 cashback on a 100GB SIM plan for £12 a month.

There’s even more cashback when you switch phone plans that also give you a phone.

Change of insurance – £50 per year

Insurance is a bill I rotate every year and that includes auto, home, pet, and travel insurance.

Top Cashback has a brilliant comparison section for these insurance companies where you can compare companies and deals they offer along with an additional cashback rebate.

Make sure the terms of the insurance meet your needs, but this is a great way to save a little more.

Christmas shopping – £50 per year

An additional discount on your vacation booked through sites like and Expedia is available through cashback sites and airport parking is also available with cashback discounts.

This can be a significant saving depending on the cost of your vacation.

I once booked an America holiday for four through Top Cashback and Expedia saved an additional £200.

I also use cashback to get an additional discount on train travel through The Trainline.

General online shopping – £100 per year

Every retailer you can think of is on the big cashback websites and they offer additional discounts on top of the price you pay on the website.

Here are some of the ways I’ve saved extra money over the past year.

  • £20 for a new dishwasher from
  • £10 for a new Shark vacuum cleaner.
  • £20 savings a year by buying trainers from Nike and Sports Direct for boys’ growing feet.
  • £20 per year discount on flower deliveries for birthdays.
  • £5 gift basket discounts for Christmas gifts.
  • £25 a year in discounts at online clothing stores including North Face, And Other Stories, John Lewis, Ugg and Hype.

Refer a Friend Bonus – £50 per year

If you love your cashback rebates and know your friends would love them too, then get them to sign up with your personal referral code (found in your account).

The amount you receive varies from a £10 to £25 bonus for you with a smaller (often £5) reward for your friend who also signs up.

Cashback is a brilliant way to save extra money on all those online purchases and service switches we all do. Set up an account and start saving now!

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