My friend is a stay at home mum to 2 young DC, husband earns just enough for her not to work while kids are young, no universal credit.
She mentioned the other day she gets extra income from doing online surveys, phone interviews and tests etc and has been earning about £200 a month from it for the last few months. It came up because she was using gift cards for all her purchases when we were shopping one day, she explained that if she gets paid via PayPal then she would have to pay tax after making £100, but if she takes it out as gift cards (Tesco, Amazon, Love2Shop etc) then she doesn't.
Essentially she's getting paid as much as she can in vouchers and using them instead of cash to avoid being taxed.
Is she right? Or does it still count as earnings as she is still getting the same financial amount from it? My friend can be a bit head in the clouds and I'm worried she might end up having to pay back money she won't have, or getting herself into trouble
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