Cashback Bubble Bursting?

July 16th, 2011 No Comments »

The golden age of cashback appears to be coming to an end. Why do I say this? Well it was only a few years ago, back in 2006 you could get ridiculous amounts of cashback for almost everything you purchased online. Using one of the many cashback websites such as Quidco, or my personal favourite TopCashBack, you search for a retailer and visit their website using the cashback site’s link. Then you buy something and depending on the agreement with that particular retailer you are given a lump of cash back.

You could get cash back on almost anything: car / home / life insurance, mortgages, bank accounts, credit cards, mobile phones and most of the major online and high street retail brands. Over the last couple of years I’ve watched the retailers leave slowly, including Swiftcover car insurance. Cashback rates have dropped too with average car insurance cashback at about £30 now compared to the £100 possible in previous years.

Don’t get me wrong here, it is still possible to get loads of cashback in certain cases. My recent mobile phone purchase netted me £120 cashback and there are many other hidden gems like that around, but on the whole, my cashback total is not climbing very quickly. I am at just over £900 since joining now and if it had climbed at a linear rate since I joined it would be double that. I’ve switched energy providers a couple of times and even moved my broadband, but there’s only so many times you can do this and be eligible for cashback.

My on-going statement still stands though – if you don’t have a cashback account you are throwing money away, so go and get one now. It’s worth having one now even if you don’t plan to use it straight away – that way it’ll be ready for when you do need it. Just click on one of the TopCashBack banner ads, or on this link to sign up now for free.

Online Cashback


Windows Phone 7 Apps

July 3rd, 2011 4 Comments »

One of my readers commented on this blog with a very valid point regarding the Windows Phone 7 marketplace – the “App Store” as it were for Windows Phone 7. I’m paraphrasing here, but in essence it is very difficult to find anything in it. I’m no user interface expert myself as you can tell by this blog layout, but I know when content is tricky to find. This article, therefore, lists the apps that I am currently using in the hope that any randoms who land on this page may find it useful. It must be noted that on principal I have yet to furnish my Zune account with a credit card number, so all of the following apps are either free or running in trial mode.

Adobe Reader
If someone emails you a .pdf file, you’ll need this to read it. Simples. I tend not to open it directly, it launches automatically when I tap a pdf attachment which is exactly what I want it to do. The usual pinch to zoom and rotate for landscape controls work – this app is nothing fancy, just very useful.

Amazon Kindle
Yeah, reading a book on a small screen is not ideal. So far I’ve just downloaded a few chapter trial reads and discovered that it wasn’t that tricky to read to be honest. I’m actually considering purchasing my next read in Kindle format to give it a real test. Sadly though most classics are labelled as ‘Not available for purchase in your country’ which sucks big time.

Dilbert Hub
Dilbert, the hero of every IT, engineering and technology office in the world has his own app. It delivers a daily Dilbert cartoon to the front page of the app as well as giving access to the FULL archive of Dilbert cartoons going right back to the beginning. I’ll let you work that date out for yourselves, I’ve tested it and they’re all there!

eBay
If you use eBay then you’ll need this app. It really utilises the whole WP7 active tile idea to the full. The main “my eBay” page gives you four tiles listing your watching, selling, buying and messages summaries. You can slide across to saved and recent searches or view your reminders. Personally, I disable the reminder warning which will alert you, regardless of whether the app is running, when an item you are watching / bidding on / selling is nearing the end or has been outbid. For keeping your eye on auctions it is great, bidding, buying, searching is also pretty good. You still need your PC if you want to sell things properly but for most things it is great.

Facebook
I’ve installed this app, but honestly don’t really use it. The Facebook integration with Windows Phone 7 is so good that this app is mostly superfluous. The main advantages it does have though are the events lists and access to your Facebook account settings. I have this installed more as a “just in case”.

Freda
An ebook reader which supports epub files. So far it seems the best of the bunch.

gMaps
Let’s be honest, the built in Maps application is pants at the moment. Basic directions and GPS location on Bing maps is all you get. gMaps gives you more or less the same functionality, but with Google Maps instead. Personally, I’m hoping for great things in the Mango update because all the mapping options at the moment suck.

Tesco Groceries
Do you shop at Tesco online? Well you need this in your life. It’s surprisingly easy to book a delivery slot and browse through the list of products to create your shopping basket. Tiles hold the categories of products and the interface is so clean and nicely laid out that shopping is a pleasure.

HTC YouTube
Much better than the official Microsoft YouTube app which just opens Internet Explorer on the mobile YouTube website, this HTC app is an actual YouTube app allowing searching and playing of content. You can choose the playback quality which is important for keeping within your download allowance.

Lottery Results
Displays the lottery results for the country of your choice. Very simple but a badly designed interface. It works though and that’s the important thing.

Turn by Turn Navigation
This isn’t a free app, but the trial allows you to navigate journeys up to 12 miles. It’s pretty much the only choice for turn by turn navigation on WP7 at the moment and it’s not brilliant. Only in the last couple of weeks has it given you the option to download maps offline. When I first tested it here in the depths of Wales, as soon as I went off route it failed due to lack of mobile phone signal.

Pic2shop
Wondering if that shiny new gadget on the shelves of Currys is cheaper online? Scan the barcode using your phone’s camera and this app will go online and check prices at a variety of popular retailers. It works reasonably well most of the time.

QuickMark
Have you seen those strange black and white square patterns on marketing posters? Scan them with this app and your phone will usually send you to a web page to give you more information. These QR marks as they are known are becoming ever more common, especially at exhibitions, so it is quite handy to have a scanner like this to keep a record of things you are interested in as you walk around.

Solitaire
This version of Solitaire by Jakepoz is the best I’ve found on the Marketplace. It supports 3-card and 1-card draw as well as Vegas scoring if you’re in to that sort of thing.

TopCashBack
What??? You don’t have a TopCashBack account yet? Click here to get yourself one straight away. You get cash back on most purchases you make online, and even quite a few reserve-to-collect-at-store purchases. If you don’t have a TopCashBack account, you are throwing money down the toilet.

Online Cashback


Twitter

The official Twitter app is very handy, but will probably be pointless once the Mango update arrives with its alleged built-in Twitter support. Still, at the moment you need a separate app and this is as good as any other despite what all the other apps claim.

Wikipedia
The official Wikipedia app is great. Fast searches to wiki pages make for a very quick and simple lookup to prove your friends/spouse/siblings wrong as soon as possible after the inevitable disagreement.

WordPress
A very simple app which links to your WordPress blog and enables basic comment approvals, post writing etc.. There’s no way you could type an article like this on there, but it does let me post my drafts and approve comments on the go.

Coming soon… The “My Home Server” app links your phone to your Windows Home Server 2011 machine. I’m currently beta-testing the product and quite like it. I’ll do a full review once it is properly released but so far the highlights include a live tile displaying a server drive space pie chart and alert notifications, and my favourite thing of all – a ‘send to home server’ option for photos.

Cashback Update – August 2010

August 5th, 2010 No Comments »

If you still haven’t signed up to a cashback site you are throwing money away… fact.
Online Cashback

Click on the above image and sign yourself up. You get cash back everytime you buy something online using their links. No catches – it doesn’t cost anything, they don’t take your money…. and they’ll pay it straight in to your bank account. My current cashback total stands at £661.32 so it really is worth your while signing up now ready for when you make your next purchase. If you are thinking of changing your gas / electricity supplier, new mobile phone contract, broadband, online grocery shopping, or the high paying credit cards, insurance policies or mortgages, then get yourself a cashback account first or you are throwing money down the drain!!!!

Festive Cashback

November 18th, 2009 No Comments »

It’s that time of year again, only 26 working days until Christmas. Everyone is tightening their purse strings this year and what better way to make sure you are getting even better value for money than by claiming cashback on your purchased gifts?  Just to gloat, I’ve attached my current cashback account totals below so you can see that the service is not a con. All you do is shop around online for the best price as you usually would, then once you’ve found it, visit Topcashback, search for the retailer you used and see if they offer cashback. If they do, excellent! Follow the link on the Topcashback site to the retailer and make your purchase. After a few weeks you’ll be able to request the cashback to be transferred to your bank account. And to make it even better, if you sign up through my special links here you will get an extra £1 for free once your account reaches £5.

Click here to visit Topcashback.co.uk and open your account.

topcashback-2009-11-18

Free Money Update 2009

June 10th, 2009 No Comments »

Cashback
It’s official.. anyone who doesn’t use a cashback site is losing a lot of money. I’ve had a Topcashback account for just over a year now and have so far withdrawn to my actual bank account £319.38.. and I’m waiting on £42.67 to become payable, with £95.40 yet to be confirmed by various retailers. This is money for nothing, all I do is double-check the cash back web site when I am about to buy something and click through from there instead. Costs me nothing! The proof is below:

topcashback-2009-061

So go and sign up now and start getting the money you are missing out on, and I’ll earn £2.50 once you get your first payment: www.topcashback.co.uk/oshingler

Google Ads
If you cast your mind back a few months, I decided to monetise this blog by placing a couple of Google Ad panels on the page. The plan was to earn enough money from this to cover the costs of running my domains. I don’t earn a payout until my balance reaches $100. It’s currently at about $46 so thanks to everyone who has clicked on the adverts regularly – but please keep clicking on them when you visit as I’d really like to get the $100 in the next 12 months!

Tesco Clubcard
Even more brilliant than before. I’ve been using clubcard vouchers towards the cost of my Open University courses, but in the last couple of months I’ve discovered a method of boosting the number of points I’m earning several fold. For the last two months we’ve been doing our weekly grocery shopping online and using various voucher codes (found on the Moneysavingexpert forums) to get ‘free’ points with our shop. Every week we’ve had a voucher ranging from £5 off a shop, right up to the mega 750 extra clubcard points (worth £7.50 in vouchers, or £30 towards an OU course). In one month I’ve collected over 4000 clubcard points. Previously I was collecting that many per quarter!