Look after the pennies…

“In the current economic climate” it is important to watch your finances closely. Until recently I’ve been very skeptical of link aggregation sites and affiliate schemes but after a recommendation, and feeling the pinch, I signed up to Top CashBack to see if it was for real.

If you’re not familiar with the concept, cashback sites like this act as affiliates – directly or indirectly through affiliate networks – for online retailers and service providers. When you use the site to browse to these online merchants, any purchases you make are tagged as having come from the cashback site. The companies then pay a percentage or fixed amount to the referring site. Instead of pocketing the money for themselves, they give it back to you.

So far I’ve raised a few pence shy of £150 over a period of maybe a year. The things I’ve purchased are things I would have bought anyway, so I’ve only gained – just have to remember to go to the cashback site first. The larger cashbacks tend to be with insurance and utilities, so when it comes time for me to renew I’ll be looking out for the best combination of cashback and price. I’m hoping I’ll pass £200 before the end of the year.

It takes time for the money to become payable to you, but you can track the progress of your transactions and raise queries manually if something doesn’t track. The time to payment depends entirely on the retailer you’re purchasing from.

This site in particular is a good place to find offers and discount codes, and there is a very active forum community (although I don’t use that feature much).

It’s entirely free to use – no fees at all, and at the moment you get 101% of the cashback you earn (normally 100%). You can also invite friends and family, and receive a fixed bonus for each person who signs up. You can help me out by signing up through my referral URL of http://www.topcashback.co.uk/ref/killswtch and in turn I will have helped you by pointing you to this valuable resource 🙂

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