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 the next five ideas to earn extra money in more traditional ways. Find more money-making tips on our 50 ways to make money page.
15. Be a babysitter
Most babysitters get work from friends, family or neighbours, and word of mouth. Fees are negotiable and will depend on your qualifications and experience and how many children you'll be looking after. Babysitting rates are typically between £6 per hour and £8 per hour but a babysitter in London or some other areas may charge more and as much as £11 per hour.
Good places to look for jobs include childcare.co.uk and Sitters.co.uk, online platforms that connect parents looking for childcare with babysitters. Alternatively, try advertising your services on local Facebook groups.
16. Pet-sit
Dog and cat owners often find it cheaper to employ a pet-sitter than use boarding kennels.
Pet-sitting tends to suit the self-employed, students and retirees. Most sitters work through agencies that verify sitters as well as advertising vacancies. There will be restrictions though – no parties and you can’t go out much.
Housesitting without pets rarely pays but you can earn from £10 a day upwards minding someone’s pets in their house. Visit housesittersuk.co.uk (costs £20 a year to register).
17. Be a dog walker
Dog owners are willing to pay £10 to £15 an hour for a walker to exercise their pooch while they’re at work. You can bump up the hourly rate by walking several dogs at the same time.
Make sure you stick to council or park rules, though. You’ll need to be able to control the dogs in question and clear up after them.
Some councils have rules about how many dogs you can walk at the same time. For example, Manchester City Council sets a limit of four dogs per walker. Other parks require you to buy a licence if you’re using the park to run a business. London’s Royal Parks charge £300 for a professional dog walking licence covering all eight Royal Parks.
18. Run an ironing service
If you’re good at ironing, live in a non-smoking household and want to work flexible hours from home, there are plenty of people willing to pay you to do theirs. To find customers, post adverts in local newsagents, or leaflets through doors or advertise on social media groups. You can charge either per item or weight of clothes. Typical charges are about 80p per item or £2 for a bag weighing a pound.
Alternatively, a web-based agency such as allironedout.co.uk can find work for you.
19. Do other people's chores
Are you an expert at DIY? Or do you have some free time in which you can run errands for other people? If so, you can sign up to taskrabbit.co.uk. The site allows people to search for experts such as handymen, cooks, personal assistants and event organisers in their local area.
Many people simply need someone to complete a chore – for example, pick up their dry cleaning while they're at work – so you don't necessarily need any special skills to earn money this way. You can earn £11 an hour upwards doing small jobs.
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