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Side hustle help!

50 replies

Skint2022 · 02/03/2022 22:22

So I’ve named changed (I hope) because I’m a bit embarrassed. Currently on maternity leave and my savings are pretty much depleted. I’m really worried how we are going to manage over the next few months to survive. Bills just keep continuously increasing and I’ve naively not saved enough to last me. Going back to work early isn’t an option as we won’t have childcare until September. So looking for some side hustle inspiration to keep our heads above water until then. Even just making a few hundred extra a month would maybe do it. I really really don’t want to have to get into debt before I’m back earning again. Any ideas? The usual pyramid schemes are a no go as our local area is saturated already!

OP posts:
MunchyMonsters · 03/03/2022 00:25

Can you work in the evenings ? Worked for me.

WatermelonLemonade · 03/03/2022 03:22

Does anyone have any tutorial advice or links for matched betting? We too are really struggling at the minute. I'm a full time carer for my mum so options out of house are limited.

N0va · 03/03/2022 10:37

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N0va · 03/03/2022 10:39

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Catrice · 03/03/2022 11:02

You lot are so knowledgeable! Also struggling with rising bills as single parent so very interested in this thread!

Catrice · 03/03/2022 11:05

Ooh...I see some posts have been deleted . That doesn't bode well as seemed perfectly legitimate. Maybe I'm too gullible!

WatermelonLemonade · 03/03/2022 11:14

Ah I didn't see the messages before they were deleted! Is matched betting legal?

N0va · 03/03/2022 11:14

@Catrice

Ooh...I see some posts have been deleted . That doesn't bode well as seemed perfectly legitimate. Maybe I'm too gullible!
I think mine were deleted as I posted a few links and Mumsnet guidelines doesn't like links being spammed from what I've read! I think I need to have a read of the guidelines better Blush
N0va · 03/03/2022 11:15

The links are over on March earn £10 a day thread in money matters if anyone is interested. That's a good thread, I get lots of ideas from there!

N0va · 03/03/2022 11:16

Here's a link to the thread (hope I'm allowed to link this!)
Earn £10 a day - Marching into March http://www.mumsnet.com/Talk/legalmoneyy_matters/4493783-Earn-10-a-day-Marching-into-March

WizardOfAus · 03/03/2022 11:35

Yes, go and look at the £10 a day thread. It's a game changer. So many good ideas on that.

Freshprincess · 03/03/2022 11:51

Also highly recommend the £10 per day thread. Loads of ideas of things to do that you can work around small children. I’m making around £100 per month, with limited time as I have a full time job as well.

Matched betting is good for a quick cash generation. Once you’ve got your head around it, it’s pretty simple. Making it work long term is harder but you can definitely get to £1000 in a few weeks. I used Profit Accumulator but there’s loads of similar companies out there. Also it’s tax free so you don’t need to worry about self assessment.

MorningStarling · 03/03/2022 11:54

Another vote for matched betting. I did it for six months last year and made just under £1400 profit before I got tired of it. Not tired of the profit but I felt I was spending too much time on it by the end. In the beginning it was probably 20 minutes per day but by the end it was more like a couple of hours a day to make the same amount. For a good while it was pulling in £70 a week or so.

You need to understand how it works before you risk real money. Basically the concept is

  1. Open account with bookmaker who gives you a sign up bonus, eg. "Bet £10 get a £20 free bet" - you will bet on an outcome to happen here. ("Back" bet.)
  2. Have an account with an exchange where you will bet on the SAME outcome NOT to happen. ("Lay" bet.) Exchanges charge commission on winning bets - use one that charges 2% (eg Betfair, but you have to select the 2% plan - they default you to one with a higher percentage that gives you other benefits).
  3. Find an event where the bookmaker's odds are close to the exchange odds - almost always the bookmaker's odds will be slightly lower.
  4. Place your real money bet.
  5. Use a matched betting calculator to calculate your lay bet and place that on the exchange account.
  6. Whatever the result, you'll be down slightly overall.
  7. You've now earned your free bet. Find another selection that has odds that are close between the bookmaker and exchange.
  8. Place your free bet at the bookmaker.
  9. Use the calculator to calculate your exchange bet.
10. Whatever the outcome you'll make a profit, between 50%-80% if you have done it correctly, which will more than make up for your slight loss with the first bet.

EXAMPLE:
a) Bookmaker has "Bet £10 Get £20 Free Bet" Offer
b) You find a selection with odds of 3.5 at the bookmaker and 3.7 on the exchange.
c) You bet the £10 real money bet with the bookmaker.
d) The calculator tells you to lay £9.51 on the exchange - which means risking £25.68 of your money.
e) Effectively you've staked £35.68 of your money overall.
f) If the bookmaker bet wins, you get £35 back (includes your stake), so you're down £0.68 overall.
g) If the exchange bet wins you also get £35 back and are down 68p (after the commission has been deducted on the £9.51 profit).
h) You find another selection to use your £20 free bet on, say it's also 3.5 at bookmaker and 3.7 on exchange.
i) You put the £20 free bet on at the bookmaker. If it wins, you get £50 profit. (20 x 3.5 = 70, but you don't get the stake money on a free bet.)
j) The calculator tells you to lay £13.59 at 3.7 with a liability of £36.69. If it wins your profit will be £13.32 after the 2% commission.
k) If bookmaker bet wins you're up £13.31 (£50 win minus the £36.69 exchange loss).
l) If exchange bet wins you're up £13.32 (the exchange profit after commission - you've not lost any real money at the bookmaker because you used the free bet).
m) Overall, you've made £12.63 or £12.64 once you deduct the 68p lost in the first bet. You've needed £36.69 of real money available in advance to do this to get the bookmaker offer and make the lay bets on the exchange (because if the first bet won at the bookmaker you could withdraw your winnings and deposit them on the exchange before making your second bet).

I used this calculator. In the "Bet Type" box use "Normal" for your first bet (real money bet at bookmaker) and "Free Bet (SNR)" for your second bet (bonus money bet at bookmaker). SNR stands for "stake not returned" i.e. you only get the profit from the bonus bet.

Tips:

  • If this guide makes no sense, that's good. It just means you should go and read more about the process before risking real money.
  • Always use decimal odds (2.0, 3.5, 21 etc.). Bookmakers allow you to change the odds format in your account settings, a lot of British and Irish bookmakers default to fractional odds (Evens or 1/1, 5/2, 20/1 etc.). There's also moneyline odds which make no sense to me at all (-100, +250, +2000 etc.).
  • Start with bookmakers that offer smaller bonuses like £10. That way you're not risking large amounts straight away.
  • Start with selections with low odds. You can make a greater percentage profit with higher odds but need a lot more money in your exchange account to cover them. Starting with low odds (2.2 or lower) means if you make a mistake, you won't lose much.
  • Log ALL your bets in a spreadsheet. EVERY single one, and keep a running total of your profit/loss.
  • As you see the profits racking up, don't make the mistake of thinking you're now an expert at betting and can make normal bets. You're just following a system. When the free bets dry up, which they will, that's the end of the matter. Don't then start actual gambling.
  • Football bets are good to start off with because usually the odds don't fluctuate much. Horseracing bets are good when you get used to how matched betting works because you can find selections where the exchange odds are very close to the bookmaker odds. The trouble with horseracing is that most money comes in close to the race starting and the odds fluctuate.
  • Avoid betting in-play on events in progress at least until you fully understand things, again odds fluctuate wildly and there is often a few seconds delay before you can place a bet.

RISKS:

  • Biggest risk is misunderstanding something. Either the process, or the rules a market has.
  • Second biggest risk is odds changing between placing your back bet and your lay bet. This is more of a risk the closer you get to an event starting. If you get caught out by an odds change that goes against you, it's better to cash out/lay what you can and swallow a small loss than risk a big one.
  • Third biggest risk is betting on markets with low liquidity. It means odds can jump wildly. Premier League football or British horseracing markets generally have plenty of liquidity and are more stable. Betting on Bangladeshi football or British greyhound racing and the odds will often jump around wildly.
  • Fourth biggest risk is not having the discipline to follow the process properly. You should make an overall profit with each free bet regardless of outcome.
  • Finally, once you've used up all the free bet signup offers you'll be restricted to ones for ongoing customers. These tend to mean more work because you have to seek them out. Eventually bookmakers will close your account or exclude you from free bet promotions if you're only using them for free bet offers. Matched betting isn't a long-term plan, expect to do it for a few months and then find it's no longer worth the time and effort.

My personal opinion of the bookmakers I used is that these are OK:
Grosvenor Casinos, Betfred, SkyBet, Parimatch, Ladbrokes, Unibet, William Hill, Bet365 (great signup offer), Casumo, Mansionbet, BetVictor, Mark Jarvis, Paddy Power, Smarkets, Boylesports, 888Sport, Coral, Spreadex, Fanteam, LiveScore Bet, Virgin Bet, Quinnbet, Gentingbet

Note that sometimes one company owns multiple brands and you can only claim one sign-up offer, eg Parimatch and BetVictor.

AVOID these four at all costs, they either didn't pay my bonuses or had stupid terms and conditions like charging you to deposit money and charging you again to withdraw it:

Mr Play - head and shoulders the worst experience of the lost
Matchbook
Novibet
Betway

Wishensook · 03/03/2022 17:07

That is really helpful MorningStarling thank you!

ClaryFairchild · 04/03/2022 23:29

Re matched betting, the best way to avoid being gubbed (no longer being sent offers) is to avoid taking out winnings and instead play them through. You won't earn as much in the short term, but you will over the longer term.

Furries · 10/03/2022 13:37

Re matched betting, if you’re looking to start, is to check out the Team Profit website. They have lots of guides and video tutorials to explain it - it’s all free.

They also have guides to all the bookie’s welcome offers, with step-by-step instructions. Top Tip - DON’T just straight into these. Watch the intro videos and read the intro guides, get used to playing around with the calculator tools etc first.

Their website has 3 different plans - Start with £10, £50 or £100 (can’t remember the exact amounts). You WON’T make more profit starting with more, it just means you can move through the process a bit faster as you’re not waiting to withdraw winnings to move onto the next offer (you’ll understand this more once you’ve read the guides).

They also have a Facebook group which is REALLY useful to join. Lots of people on hand to help you, ask questions before doing an offer to make sure you’ve got it right.

I would HIGHLY recommend getting a separate bank account and debit card purely for your betting. That way, it keeps your finances separate and you can easily see your funds building up. Also a separate email address - makes it much easier to keep on top of offers and them not get lost in day-to-day stuff. It’s best to try not to spend your profit straight away - you need to build up a bank to to enable you to do more offers. Oh, and a couple of A5 notepads, I’ve used loads of them.

Casino can be lucrative, but it’s a long-term game. I would advise against tackling casino on your own - casino offers can seem like a good deal, but their hidden terms can really catch you out. And some of them are terrible value. Once you’ve built a bit of a bank and are thinking about starting casino, I highly recommend joining Team Casino (sister site of the matched betting side). It’s a monthly subscription around £15 per month, or £10pm if you pay for a year). I more than make that money back. The introduction guides are extensive, and they have full guides for every single offer, every single day. And their Facebook community is excellent.

Finally - it is all perfectly legal. And it’s all tax free - the tax element is paid by the bookies. For those old enough to remember, gone are the days where you tick a box on a bet slip to say if you wanted to pay tax on your bet or tax on your possible winnings.

One last thing - it sounds complicated, but once you get your head around it, it really is fairly simple. I have always been shite at maths, I never thought I’d be able to “get” it. If I can do it, I’m-sure pretty much everyone can.

Jay123NewMum · 10/06/2022 15:37

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Tothepoint99 · 10/06/2022 15:57

Following for my pending mat leave. Always seems whatever I earn isn't enough 😒

HairyScaryMonster · 10/06/2022 18:27

I've heard that creating digital things like calendars or food planners that you sell the pdf to on Etsy are a good way to make money without it taking too much time.

JamieNorthlife · 10/06/2022 19:14

Can you use Canva and social media? You can offer to help other women with their social media posts.
you can advertise on Facebook groups, women in business and virtual assistant groups.

Other ideas:
Offer to do transcripts, proofreading, admin tasks or virtual assistant jobs.
If you are good with scheduling, you can do VA jobs including for people in other countries. There are a couple of youtube videos explaining how to work as a VA. It's very flexible and you can work at your own pace. Google digital garage offers free training including how to use social media.

If you are on LinkedIn, contact people directly and offer to do their admin tasks. A lot of start-ups need help with this types of jobs.

Good luck!

ThinWomansBrain · 10/06/2022 19:20

Before or after school runs that you could do with your baby in her pram?

notanothertakeaway · 10/06/2022 19:23

I don't know how long it takes to register as a childminder, but they're in short supply around here. People might be happy to use you as a stop gap while they look for a long term solution

A friend delivers soup to neighbours who work from home. All home made, different flavours each week. Not sure how much £ she makes from it

And I would think very carefully before having a second child. I think that's quite a luxury nowadays, especially if, as in your case, you're unsure how to fund one set of maternity leave

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