With the costs of housing, heating and other essential outgoings, it's becoming increasingly difficult to make ends meet.
Each bill that hits the mat seems to cost more than ever.
With the recession, many of our salaries haven't increased this year, and many are resorting to bank loans and overdrafts to see themselves through these tough times.
However, before resorting to credit, it's worthwhile checking other ways of making money.
Do you have any items in the loft, taking up space which might be worth selling? Toys that your children no longer play with or clothes (in good condition) which they have outgrown, could be sold online at auction websites such as eBay, Ebid or Amazon.
Electrical items also sell well, mobile phones, cameras and appliances.
Type the item model number into the 'search' box at eBay and check how much similar items to yours have been sold for.
When selling, list the model's features, and if there are any problems ensure that you give a full explanation.
For example, if the casing is slightly damaged, take a photograph to clearly show the damage.
Don't be tempted to make light of any problems or the buyer will probably leave negative feedback.
If selling expensive items ensure that you always send to a PayPal verified address, and it's worthwhile sending by Royal Mail Express delivery.
Ensure that you use a tracking method which involves receiving a signature on delivery.
Otherwise problems can occur.
If you have lots of items to sell, why not consider taking to a Car Boot sale? By loading up the car with old books, collectibles, toys, good quality clothing etc.
You could make more than £100 in a single day.
Costs for selling are minimal - around £10 for a stand.
Ensure you go early enough to find a good stand and set out your goods in to attract attention.
It's best to price everything a little highly and allow potential customers to barter the price down.
That way they feel they have bought a bargain and possibly buy more items from you.
By taking time to collect all the items round the house that no longer have a use, you can make a good amount of money, and also free up some space.
Each bill that hits the mat seems to cost more than ever.
With the recession, many of our salaries haven't increased this year, and many are resorting to bank loans and overdrafts to see themselves through these tough times.
However, before resorting to credit, it's worthwhile checking other ways of making money.
Do you have any items in the loft, taking up space which might be worth selling? Toys that your children no longer play with or clothes (in good condition) which they have outgrown, could be sold online at auction websites such as eBay, Ebid or Amazon.
Electrical items also sell well, mobile phones, cameras and appliances.
Type the item model number into the 'search' box at eBay and check how much similar items to yours have been sold for.
When selling, list the model's features, and if there are any problems ensure that you give a full explanation.
For example, if the casing is slightly damaged, take a photograph to clearly show the damage.
Don't be tempted to make light of any problems or the buyer will probably leave negative feedback.
If selling expensive items ensure that you always send to a PayPal verified address, and it's worthwhile sending by Royal Mail Express delivery.
Ensure that you use a tracking method which involves receiving a signature on delivery.
Otherwise problems can occur.
If you have lots of items to sell, why not consider taking to a Car Boot sale? By loading up the car with old books, collectibles, toys, good quality clothing etc.
You could make more than £100 in a single day.
Costs for selling are minimal - around £10 for a stand.
Ensure you go early enough to find a good stand and set out your goods in to attract attention.
It's best to price everything a little highly and allow potential customers to barter the price down.
That way they feel they have bought a bargain and possibly buy more items from you.
By taking time to collect all the items round the house that no longer have a use, you can make a good amount of money, and also free up some space.
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