Household bills have risen 10 times faster than incomes have grown since the start of the financial crisis, research by price comparison website uSwitch has found.
But if you have already fine-tuned your household finances by cutting energy and food bills, as well as remortgaging, and are still struggling to find spare cash, what can you do?
Here are four ideas to earn extra money from your possessions.
Find more money-making tips on our 50 ways to make money page.
32. Rent out items you own
Have you got a tent you only use once a year? Or a largely redundant wallpaper steamer? Sites such as rentnotbuy.co.uk and rentmyitems.com are part of the so-called ‘sharing economy'. They enable owners to list items that they own and are willing to lend out in exchange for a fee. For example, you can rent out a leaf blower or lawn mower for £10 a day. Taking a deposit can help protect against theft.
33. Sell your stuff online
Car boot sales are old news – these days it's all about selling unwanted possessions online or via smartphone apps. Ebay.com is the best-known auction site. It gives users 20 free listings a month and takes a 10% cut of the final sale price. Ebay's payment system, PayPal, charges UK sellers a fee of 3.4% of the total sale plus 20p per transaction within the UK.
Other sites are product specific: ASOS Marketplace (marketplace.asos.com) for clothes, Music Magpie (musicmagpie.co.uk) for CDs, DVDs, and games, and We Buy Books (webuybooks.co.uk) for books.
If you want to sell items via your smartphone, download Shpock for free from either the App Store or Google Play.
34. Recycle your old mobile
Numerous companies offer cash for old mobile phones and, sometimes, other gadgets too. You'll get the most money for smartphones in full working order with little or no cosmetic damage.
Sites such as envirofone.com, mazumamobile.com and fonebank.com enable you to enter your phone's make and model and get an immediate quote. If you accept it, most will send you a freepost jiffy bag to send it in – then you get your cash.
You can compare what 38 different sites will give you for your phone at comparemymobile.com.
35. Sell police auction goods
Police forces end up with lots of ‘recovered property' they are unable to reunite with owners, so they sell it off cheaply at auctions. The most popular police auction site is bumblebeeauctions.co.uk. You don't need to pay to join but you need a nochex.com account to pay for items.
Common items are bikes, cameras, vehicle accessories and tools. You can make money by bidding for cheap items and selling them on elsewhere. Bikes in particular go pretty cheaply – from about £10 upwards.
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