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Saving money and increasing income

Ways to save money or increase your income

It may seem very difficult to save or make more money than you’re currently bringing in, especially if you’re dealing with debt or increasing living costs.

However, there are lots of straight-forward ways to boost your income or reduce your spending. There are also lots of resources available online to help you understand where you can make savings or extra money.

Our blog MoneyAware is packed with money-saving and money-making tips. You can also get thrifty ideas emailed to you by signing up to our monthly newsletter.

From using cashback sites to mystery shopping, and from selling unwanted items to claiming extra benefits, there are many ways you can earn and save money. By putting these techniques into practice you may be able to pay off your debt quicker than if you made no change to your income and expenditure.

Ideas for saving and making more money


Save and make money by regularly carrying out a price comparison on your utility bills. Staying with one provider for too long can cost you hundreds of pounds over time.

Save Money Save Water provides free gadgets to help you reduce your water usage.

Telephone, mobiles and the web

Make money with apps such as Receipt Hog, Google Opinion Rewards and the TopCashBack app. They can help you build up points you can then swap for Amazon vouchers or cash.

Regularly check with your phone provider to see if they can give you a better deal.

Bring in a second income

Consider freelance (self-employed work) alongside your main employment. Websites such as peopleperhour, freelancer and most job sites have many freelance vacancies to apply for. Please note that you must always declare any self-employed income to Her Majesty's Revenue and Customs (HMRC).

Do a benefits check

Are you getting all of the income you're entitled to? Our online benefits calculator can let you know if there are any benefits you should be claiming.

Voucher websites

Whenever you shop online, make sure you do a quick search for any online discount voucher codes for the shop you're buying from.

Clothing and footwear

Every six months or so, resolve to do a big clearout of your or the family's wardrobes. You might find a gem or two you can put up on eBay for a few pounds.

Learning to sew, darn and do basic stitch repairs on your clothes can mean that you get a lot more wear out of them. If sewing's not your thing, you could run a clothes swap party between you and your friends.


MoneySavingExpert.com is a consumer focused website full of money-saving deals and ideas. There's also a MoneySavingExpert forum where people can share money-saving habits including frugal recipes, discounts and old-style money-saving tips.

Save money on food

There are lots of ways to save money on food, from downshifting branded food to supermarket own-brand products, to creating shopping lists so you only buy what you need and making food plans for the week.

I’m unable to make or save extra money. What can I do?

Sometimes it can be a real struggle to bring in extra money or save the money you already have coming in. There could be a whole host of reasons for this; lack of time, ill health and being over stretched on living expenses to name a few. We can help you no matter how much income you have – or don’t have – coming in, no matter how serious your situation may seem.

Free debt advice

If you’re struggling to pay your debts, use our online Debt Remedy tool. It takes around 20 minutes and will give you a personal budget to help you manage your money, and advice that is specifically tailored to your situation. Or, if you’d prefer to talk to us, call our Helpline and our expert advisors will help you get your situation back on track.

Helping you become debt free...

“I wish to thank your staff for all the great help they gave me when I was in so much debt.
They were a pillar of support to me.” (Leslie, Essex)

Foundation for Credit Counselling Wade House, Merrion Centre, Leeds, LS2 8NG trading as StepChange Debt Charity and StepChange Debt Charity Scotland. A registered charity no.1016630 and SC046263. It is a limited company registered in England and Wales (company no:2757055). Authorised and regulated by the Financial Conduct Authority.

We link to external websites where they contain relevant information for our visitors. We're not responsible for the content of these websites, or any infringement on your data rights under data protection regulations by any external website provider.

*This is the average rating of our service based on the StepChange reviews on Feefo by DMP and DRO clients three months into their solution.

© StepChange Debt Charity 2018