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 five one-off ideas to earn extra money. Find more money-making tips on our 50 ways to make money page.
20. Make a complaint
If you’ve had a bad experience with a company or been inconvenienced by the poor service offered by, for example, your bank or energy company, then fire off a letter of complaint and ask for compensation for your time and trouble.
Stay cool, calm and rational when complaining – this will yield better results than throwing a temper tantrum. And only complain when you have a genuine gripe, otherwise you’re just time-wasting.
What you get will depend on the nature of your complaint.
The Energy Ombudsman, for example, can make awards of up to £10,000 but you’ll probably receive a much smaller sum in compensation if eligible.
21. Man a polling station
If you're free on the day of the next local or general election, you could earn £250 for a day's work as a poll clerk. Your job will be to set up the polling station, check in voters and make sure they know how to cast their vote.
More senior jobs include 'presiding officers' who oversee the whole polling station – they can earn up to £360 for the day. To be eligible for either role you need to be over 18, on the electoral roll and not a member of a political party. Contact your local authority for details on how to apply - it will need staff for local elections, too.
Some local authorities advertise externally for counters, who stay up all night to count the votes, earning about £190 for the shift.
22. Go on a clinical trial
A clinical trial is a medical research study to determine the safety and effectiveness of a new drug or treatment and discover any side effects.
Although lucrative, clinical trials can be time-consuming with many involving repeat appointments and in-patient stays. Requirements can be quite specific – for example, you might need to have, or not have, a certain medical condition and take specified medication.
Companies include londontrials.com, flucamp.com and Nottingham-based weneedyou.co.uk.
23. Sell real-life stories
Did your mum sleep with your boyfriend? Maybe your boss is a psycho or you've spent £50,000 on cosmetic surgery. If so, why not sell your story to a magazine or newspaper?
Women's and ‘real life' magazines often pay four-figure sums for the right story. Take A Break and Real People, for example, both pay up to £2,000.
Spilling the beans about your romance with a celebrity can earn you much more – if you can deal with the aftermath.
There are third party agencies that can help you negotiate the right deal for your story. Check out talktothepress.co.uk, featureworld.co.uk or sellusyourstory.com.
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