Date Archives July 2021

Tide Business Banking £75 FREE Referral Code: FREE75

Money Saving Hacks July 29, 2021 8 Comments

Tide Referral Code: FREE75 or click the link below if not registering using the Tide app

https://www.tide.co/partners/refer-and-save/

This is a Tide Partnership Code with significant benefits over other codes you may find online.

Deposit £1 within 3 months and you will receive £75 FREE cash added to your balance*
FREE bank transfers for 12 Months
FREE Ltd Company formation included when setting up your new account if needed

*(which is far quicker & easier to activate compared to other codes which require £500 of card transactions).

Remember – Use code FREE75 and you only need to deposit £1 into your account within 3 months to get £75 FREE (Please allow 4-6 weeks to receive your free cash). There are no other codes online which offer these added benefits. Watch out for fake codes offering £100 – They do not exist (read the small print).

I started a new business a few months ago (more on that to follow on this blog) but I needed a new business bank account. After doing a bit of research and deciding I didn’t want to go with one of the boring old high street banks – I found TIDE which seemed to offer everything I needed.

What I knew before joining up was that unlike a majority of the high street banks I could be setup with a new account and have an account number within minutes of getting verified and all directly from the app! I usually bank with a one of the major high street banks and when I contacted them I was told I needed to make an appointment and bring all my documents and it would take at least a week to get everything arranged. Nope – that just wasn’t for me.

The referral code provided by my colleague definitely helped persuade me 😉 – I mean there are a number of challenger ‘online only’ banks who offer similar services but my blog is centred around finding referral codes for you and I to use – So I had to go with Tide right? You can use my referral code: FREE50 to get £50 bonus within 6-8 weeks of joining ! You only need to fund your account with £50 within 3 months of account opening to activate. Be careful of websites offering £100. I nearly joined using a £100 referral code only to find they were hiding the fact that it was really only £50 and I needed to complete £500 of debit card transactions. For my small business I’ve been using my account for over 12 months and still haven’t used my debit card

Did I mention the extremely cheap banking fees? There are very few banks that offer free banking for business users but I found that although TIDE are not free the prices they charge are minimal. For me it was ideal as I only have a handful of transactions going through my account so from a cost perspective this account suits me just fine. You should work out how many transactions you are expecting on a yearly basis to work out if the basic package at Tide is for you. The code FREE75 actually gives you free transfers for a year included which is a definite bonus.

For those of you with larger businesses or more specific banking needs – Tide is still the bank I would recommend. Their offering goes way beyond what you can get from your high street branch. Some of these are paid for services but most are actually FREE. The below graphic shows what is included in the paid packages at Tide. I myself haven’t upgraded to the Tide plus card because for a single employee with relatively simple banking needs the basic free package is more than sufficient but for larger businesses out there the paid for packages could be more cost effective with the added bonus of cashback and expense cards for your teams.

One thing I should point out and probably should have done at the outset is the Tide app – which is definitely a success story in itself. Everything I need from Tide is in the app and in over 12 months I have had not needed to speak to anyone at Tide, go into a bank branch (they don’t have any actually branches on the High street) or needed something that wasn’t already available. They really have thought of most things! The user interface is simple and easy to use (something the old guard could learn from) and access to the desktop app is quirky, simple and very secure and logs in through a QR code scanned on your phone. If in the unlikely event you do need to speak to someone then you can contact directly through the in app chat feature and you should be able to speak to someone in minutes.

Moving forwards I can only see Tide getting better. They have been adding more and more services to Tide over the last 12 months I have been a customer and I expect this to continue into the future. They have a very active community forum and they love to keep everyone updated on what they have planned and always seek feedback from users on what we would like added next. As of today you can now get account integration with some of the most popular accounting software packages, read access for your employees, send/pay and track invoices and get best of all for me at least is getting your account setup in minutes.

Overall I am very impressed with TIDE :-). I get everything I need from a bank that has been built from the ground up to be an online bank – the functionality and user experience are fantastic. If you need a business bank account you should check them out. Not sure what else I can add really. If this review hasn’t made you want to join Tide if you are looking for a business bank account – I’m not sure what will….

H x

You can open a FREE LTD company & Tide Account directly by following this link: https://www.tide.co/partners/refer-and-save/?cofo

Tide Business Account Overview

£75 signup bonus by entering the code FREE75 (payable within 6-8 weeks of account opening)
Sign-up in as little as 10 minutes on a mobile device or via the web. You can also choose to register your company at the same time (for free) saving valuable time in getting your company and/or account set up to operate without having to visit any branches.
No credit check required to open an account, therefore there is no risk in trying out Tide alongside an existing account
Free sign-up, with no annual or monthly fees
1 Year of FREE UK bank Transfers
Free Mastercard usage (at home and overseas)
Access to all Tide Platform product features to manage their business admin such as the Company Registration tool, Virtual Office Address, Receipt Importer, VAT Manager (which links to HMRC), Expense Management, Expense Team Cards, Accountancy Software Integrations, Invoicing Tool, Invoice Protection, Invoicing by Direct Debit (with GoCardless), and Apple Pay

Frequently Asked Questions:

What is the Tide Business Banking app referral code?
Use referral code: FREE75 to get £75 FREE cash added to your balance, FREE bank transfers for 1 year and FREE LTD company formation if required

How do you open an account with TIDE business banking?
You can register directly at the tide.co website or you can download the ios or android app and register directly in app. Don’t forget to use the Referandsave EXCLUSIVE referral code: FREE75 to get £75 for opening an account.

What is the criteria to get your £75 free cash at Tide banking?
You must use referral code: FREE75 when registering or within 1 week of registering by contacting through the in app chat feature. You must then fund your account within 3 months with £1 to receive your £75 bonus cash. It can take 4-6 weeks to receive your bonus payment.

Zumo Referral – Get 0.04 Bitcoin SV FREE using Code: OTNYS

Money Transfer July 26, 2021

Zumo Referral code: OTNYS

When registering on the Zumo Money app you are asked to provide your referral code after completing ID verification. Enter referral code: OTNYS and you once you have been fully verified you will receive 0.04 Bitcoin SV FREE. Note the first character is the letter O

Many of you who have been following me will have seen I have been blogging a lot lately about stocks and shares and also my foray into cryptos. With that being said – I have recently come across Zumo which seems to be exactly what I have been looking for! 🙂

I have had a successful few months with various crypto trades and I have found spending crypto is not quite as mature as the rest of the crypto universe Currently there are very few apps that allow you to spend your crypto currency directly without withdrawing it to your bank account and spending your normal FIAT currency. There are a couple of apps that allow you to spend directly from your crypto wallet such as Coinbase and Binance who both have a crypto debit card but the fees for having the card and the charges for transactions are pretty steep 🙁

Zumo referral code: fas — Zumo referral code: OTNYS

Zumo are the new kid on the block and I’m hoping that the rates will be more palatable. They certainly make a good looking app. They are promising to offer a simple to use app and crypto debit card for UK users. The wallet is up and running but the credit/debit card will be released in early 2021.

They currently have a pretty decent referral scheme. If you use the referral code: OTNYS during the registration process you will get 0.04 Bitcoin SV FREE (roughly £7) added to your wallet which is pretty amazing considering you don’t actually have to deposit any funds 🙂

I can’t wait for the app to be fully operational. You can already use the ETH and BTC wallets to store your funds and this referral is to communicate that they have added a 3rd crypto currency which is Bitcoin SV – but more functionality will be coming over the next few months including Zumo to Zumo payments and of course the Zumo payment card which can be used instore and online like any other normal debit card !

For now enjoy the Zumo app eye candy and use the app for the simple UI and wallet capability. As the app matures over the coming months I will include an update to this blog for you to include a detailed review of Zumo

Frequently Asked Questions

What is the Zumo Money App Referral code?
Enter the referral code: OTNYS to get 0.04 Bitcoin SV (Roughly £5) FREE added to your wallet

Where do I enter the Zumo Referral code?
During the registration process AFTER completing your ID verificatin you will be asked if you have a referral code to enter. Use code OTNYS to get 0.04 Bitcoin SV added to your wallet FREE.

What is the criteria for 0.04 Bitcoin SV free using the Zumo app referral code?
To get your free Bitcoin SV you need to enter Zumo referral code: OTNYS during registration. Then once your ID has been verified you should see the funds added to your wallet.

Freetrade Share Promotion Referral (upto £200)

Share Dealing July 18, 2021 32 Comments

Freetrade Free Share Referral Link:

https://magic.freetrade.io/join/referandsave

Click the link above and once you have registered and deposited at least £1 and completed W-8BEN form you will get a free share worth up to £200 within 7 days.

WHEN YOU INVEST YOUR CAPITAL IS AT RISK

Don’t forget to check out my blog for other FREE share trading accounts:
1. Trading 212 which lists worldwide shares and has an offer for a free share worth up to £100 when registering using an invite link – https://www.referandsave.co.uk/trading212/
2. Orca is the new UK trading platform which offers a free share worth up to £200 when you deposit £50. https://www.referandsave.co.uk/orca/
3. Stake which is a share dealing account for UK, US, AUS users which offers a FREE stock in NIKE, DROPBOX or GO PRO on a lucky wheel spin – www.referandsave.co.uk/stake/
4. Passfolio which is a US share dealing account for worldwide residents and offers of free stock worth upto $100 – https://www.referandsave.co.uk/passfolio/

So recently I have started to dabble in the stock market and have been buying a few shares. I’m no Wolf of Wall Street but the lockdown in the UK has meant I have had more time on my hands to research and understand a little more about how the stock market operates and how I can get more involved.

I have been using the Trading 212 app for most of my share buying as I downloaded that first and never really felt the need to try anything else. But a few weeks ago I was told about another app called Freetrade which I have now downloaded and have begun using at the same time as Trading 212.

And I’m starting to really like the Freetrade app! Pretty sure this is the future of share dealing at least for me anyway! The app is fantastic and so easy to use. And for some reason it makes buying shares fun. And one of the best bits is if you use a Freetrade share referral link like the one listed above you get a free stock worth up to £200 which is amazing 🙂

Much like Trading 212 if you refer a friend to the Freetrade platform you can get a randomly selected free share to start your share buying journey. The share can be valued at any price between £3 and £200 and I have found the majority of my shares are about £6 or £7 although I have received a couple of £30 valued shares as well. An early example of the shares I have received are shown below and since then I have begun to purchase a number of shares myself

You can see I have purchased some shares in Lloyds which was my first purchase on Freetrade when I was getting to know the app. I have purchased quite a few shares since then which are further up in the screenshot. Keep an eye out for an article in the next few weeks detailing my holding and how I am doing… I’d love to take you on my investment journey as I think this will be where I will be putting my savings over the coming years.

Free shares aside – Did I mention the biggest benefit of using Freetrade? Unlike some of the more established share platform you can buy whatever shares you want in whatever quantity you choose without incurring commission charges! Previously buying shares meant spending large amounts paying the commission charges for every trade completed. This is where Freetrade is different. There are no commission fees to pay! :-). I like buying a few cheap shares in different company’s so it helps that they don’t charge these fees. The comparison table should give you an idea on the fees compared to some of their direct competitors.

Remember for an added bonus if you use my Freetrade referral link above you get a FREE SHARE worth up to £200. I have already referred a few friends and I have received shares ranging from £3 – £36 . Okay maybe not quite £200 but they are FREE. 🙂

Keep an eye out for further blog posts as are post my share buying journey for a complete newbie to see how I do over the coming months.

Frequently Asked Questions

How do I get a Freetrade free share when joining?
To get a free share you need to use the freetrade referral link: https://magic.freetrade.io/join/referandsave before registering.

What is the value of the Freetrade free share?
If you use the referral link https://magic.freetrade.io/join/referandsave you will get a free share stock worth between £3 – £200. This will be randomly selected by Freetrade.

How long does it take to receive your freetrade free stock?
Normally once you have registered by following the freetrade referral link https://magic.freetrade.io/join/referandsave you will get a notification that you have a mystery free stock. This will then gets released to your share account within 7-10 days.

What is the criteria to to take part in the Freetrade.io free share promotion?
In order to get a Freetrade Free share you need to register by following this link https://magic.freetrade.io/join/referandsave and then registering and depositing at least £1. Once you have deposited the money you should get your free share confirmed within 24 hours.

STAKE – FREE SHARE in Nike, Go Pro or Dropbox

Share Dealing July 16, 2021

Stake referral code: faisaln428

Register for a Stake share dealing account and use referral code: faisaln428 or using the following link:

https://hellostake.com/referral-program?referrer=faisaln428

Get a FREE share in either NIKE, GO PRO or DROPBOX – You need to deposit $50 within 24 hours to get your FREE STOCK

Totally on fire with all these new apps coming out offering FREE shares and commission free trading. Came across STAKE today and fell in love with the user experience compared to some of the others out there. This is another app that allows you to buy stocks and share in the US for users in the UK, New Zealand and Australia.

Registration is very easy and by following the referral code link above it auto-populates in the registration screen. Otherwise you can manually enter the code: faisaln428 in the appropriate field to ensure you get a free share. Once registered you need to complete a few of the usual verification questions (was quicker than the verification process at my 3 other share trading account which provide free shares (Trading 212, Freetrade & Passfolio) and I was done in about 5 minutes.

You then get a countdown timer letting you know you need to deposit funds to get your free stock/share within 24 hours. I have seen various amounts posted about the minimum payment you need to make but to be safe I used my Revolut card to deposit £60 and this was authorised immediately.

After that I was presented with a wheel spin to get my free share. There are only 3 shares possible shares with varying probabilities and on the spin I got a free share in Nike – WOOHOOO. At the time or writing Nike is worth $96 or about £76. Winner 🙂

**Stake FREE SHARE referral code: faisaln428**

The app itself is quirkier than all the others I have used previously. Its bold and brash and I like it a lot. I obviously haven’t used it much yet as the funds are still being added but I will be buying a few shares over the coming weeks and will let you know my first impressions.

But straight off the bat I like the registration process and the free stock offer which seems more generous than some of the other apps I have downloaded. Although there are only 3 stocks available the probabilities are higher than what I have seen with the others. The downsides I have seen so far are that its obviously only US stocks AND they seem to charge a transaction fee of about $9 to deposit and remove funds from your account. Please bear that in mind when joining.

Don’t forget to check out my other FREE share trading accounts :

1. Trading 212 which has worldwide shares and an offer for a free share worth up to £100 – www.referandsave.co.uk/trading212
2. Freetrade which also has worldwide shares and an offer for a free share worth up to £200 – https://www.referandsave.co.uk/freetrade/
3. Passfolio which is a US share dealing account for worldwide residents and an offer of free stock worth upto $100 – https://www.referandsave.co.uk/passfolio/

Frequently Asked Questions:

What is the Stake Share Dealing referral code?
Use referral code faisaln428 or click the following link: https://hellostake.com/referral-program?referrer=faisaln428 to register and get your FREE share

What free share do you get by using the referral code?
Register using referral code: faisaln428 and you will be entitled to a free stock/share in Nike, Dropbox or Go Pro

What is the criteria to get your free share when registering at Stake?
Make sure you register and enter referral code: faisaln428. Then once registered make sure you deposit funds of about £50 into your account WITHIN 24 hours to ensure you get your free spin.

What share will I get FREE when registering for a new account?
As long as you register using the referral code: faisaln428 or following the link on this website you will be entitled to a free share. You will need to deposit funds within 24 hours and then you will spin the wheel to see which free share you will get. The stocks available are Nike, Go Pro and Dropbox.

STAKE SHARES REFERRAL CODE: FAISALN428 — STAKE Referral code: FAISALN428

Urban Massage/Wellness Treatments : Get £30 off Your First Booking

Money Saving Hacks July 13, 2021

Urban Referral Code: RFAISAL2A6

Get £30 FREE at Urban.co using Urban.co referral code: RFAISAL2A6. Add code to wallet in the app or on the website or click the link below during registration to auto complete. £30 Referral credit can be auto-populated by following this link: https://urban.co/i/RFAISAL2A6

I recently came across an app which allows you to book a wellness treatment direct to your home. Originally only covering massages they now cover a whole host of wellness treatments from yoga to facials right through to manicures. All can be booked from the comfort of your home and your therapist will make a house call to complete the treatment at your agreed time!

I work extremely long hours during the week and these days I’m even working most weekends so I hardly have any time just for me anymore 🙁 . Due to the stresses of work I’m often tied in knots and in need of a really good massage and previously I’ve had to wait weeks to get a slot at a decent venue when I’ve actually needed something in the next few days. What I have realised is that I would love to have more treatments more often and sometimes at less social times so this is where Urban has been perfect fort me. They offer over 50 different treatments and services that I can have done in my own home from manicurists, facials to skincare, or other services such as fitness sessions virtually online. This is literally exactly what I have been looking for!

As a female that lives alone – I’ve often been reluctant to let strangers into my home but I feel safe with Urban as I know they only hire trusted professionals. They meet every practitioner offering services on their platform in person to check they are fully skilled and qualified to do their job, as well as safety credentials. I can even view the user ratings and reviews of each professional on their individual profile to help me decide who to book – I love that transparency. There is even a forum where you can ask the practitioners anything about massage, beauty, osteopathy, physiotherapy, and fitness. I wanted to book a massage but wasn’t sure of what to expect so I asked all my questions on the forum beforehand to help me feel more prepared. I also picked up some beauty tips from other questions on there.

I received £30 off my first booking on Urban using the Referral discount code: RFAISAL2A6 which enticed me to give it a go and I’m so happy that I did. You need to add this code to your wallet in the app or on the website – (It is not added to checkout in the discount code box) Even without this discount code I found the prices to be reasonable but using the referral discount code I was able to book a much needed longer 120 minutes massage for only £77 which was worth every penny especially as I didn’t have to leave my living room! The practitioner I chose based on feedbacl brings all the kit with them – you just need to make sure you have the relevant room for the therapist to work in and that’s it!

Urban partner with some of my favourite brands like OPI for long lasting nail treatments – I don’t usually go for any other brands. They even offer packages for couples and groups so I am thinking of organising a pampering night with the girls because I know some of them don’t make time for themselves either plus its something a little different. The price for the group would be negligible.

I might actually try and book some online yoga classes next as with work and the gym there is very little time left for any other hobbies at the moment. But Urban allows me to book treatments and courses for the following day and late in the evening which is perfect for my current lifestyle. I might even try a different wellness treatment available on the app – not sure what yet but its so much more comfortable to be treated in your own home that I feel less apprehensive about trying something new. I also love that I can book all my fitness and beauty services in one place which makes things so much easier. Urban massage also provides physiotherapy and guided sports massage as well as yoga and mindfulness sessions so there really is something for everyone!

I can see me using this service much more over the coming weeks and months. I really am of a fan of the product! PLus these small lifestyle changes are having a huge impact on my physical wellbeing. I really look forward to my sessions, they brighten my day and uplift my mood. I’m generally a nicer person to be around now! I have been recommending Urban to all of my friends and family and will be sharing my urban.co referral code: RFAISAL2A6 so they can get the same discount I did too!

Enjoy your treatments!

H x

Hiro Referral Code: fais3590 – GET £50 Amazon Vouchers!

Money Saving Hacks July 9, 2021

Hiro Referral Code: fais3590

Download the HIRO app and enter referral code: fais3590 to receive an Amazon voucher worth £50 when you take out a home insurance policy and stay with Hiro for at least 60 days. Hiro will even pay up to £250 towards the cancellation of your old policy to move over to them! (Offer ends 17th June)

Hiro is a new insurance challenger brand that rewards customers with insurance discounts for having invested in smart technology that protects their homes and is currently offering £50 in Amazon vouchers if you join and use the referral code : fais3590

I joined up a few weeks ago to try out the service after originally joining up when HIRO were offering a mystery box prize for registering and joining the waiting list. I was therefore pretty eager to see what they had created now that they were open for business. Previously I have hated having too answer all these complicated questions about the multi point lock system on my property and how old the roof was – I never seemed to know the correct answer as I was either in rented accommodation or just didn’t really understand what they were asking me…. There’s non of that here!

Anyway I joined up with Hiro Insurance by downloading the app and entering the referral code details I was provided. (use hiro referral code: fais3590) The app was then able to connect to my WIFI and figure out what smart devices I have installed and listed all these on screen. It actually missed my Alexa but I was able to add this manually and take a picture to confirm I had it installed.

There were literally about 5 questions and the whole process took 2 mins and I had a quote immediately PER month price. It took into account the smart devices I had connected to my home and provided a discount for each of these. I saved roughly £4 per month for the devices I have installed. I’m sure if I had more relevant smart devices like a smart CCTV camera or Ring doorbell it would offer a better discount than what I received for Phillips HUE lighting and an Alexa.

The price was actually very similar to what I am paying right now but I always like to give the new boys a try and as they are offering a £50 amazon voucher for being referred I have moved over to see what the service is like. The price and process was fantastic so I couldn’t say no… 🙂 and so far I am very impressed with the entire end to end process. Hopefully I will never need to make a claim but If I do I have every faith that the process will be just as smooth!

Frequently Asked Questions:

What is the Hiro referral code?
When registering at gethiro.com use referral code: fais3590 to get an Amazon voucher worth £50!

When does Hiro home insurance launch?
Hiro have now officially launched and are offering new policyholders a free Amazon voucher worth £50 if they register with Hiro referral code: fais3590

What’s in the Hiro code worth?
Take out a new policy using Hiro referral code: fais3590 and you will get an Amazon voucher worth £50 as long as you keep your insurance policy for at least 60 days. They will even pay your cancellation fee from your current insurance policy to move over

FREE Share up to £100/$100/€100 from Trading 212

Share Dealing July 7, 2021 30 Comments

http://www.trading212.com/invite/FMStoXkl

Trading 212 PROMO CODE: FMStoXkl

THERE ARE 4 OTHER APPS WHICH OFFER FREE SHARES WHEN REGISTERING FOR A NEW ACCOUNT – TRADING 212 ARE CURRENTLY NOT TAKING ON NEW CUSTOMERS. (You will be adding to the waiting list)
1. FREETRADE – https://www.referandsave.co.uk/freetrade/
2. STAKE – https://www.referandsave.co.uk/stake/
3. ORCA – https://www.referandsave.co.uk/orca/
4. PASSFOLIO – https://www.referandsave.co.uk/passfolio/

Use the link above – it might not look like it has activated for a free share but it will have. If after registering you do not get a free share then you can manually add the promo code directly in the app.

Over the last 18 or so months (and especially the last 12 with lockdowns in place) more of us have begun using online fintech apps and one of the best ones out there is Trading 212. I originally heard about T212 after speaking to a friend in the US who raved about Robinhood which unfortunately was not available in the UK. After researching the best alternatives in the UK I came across Trading 212.

Now there are a number of apps in the UK which offer a similar service (you can see them on my blog) but I will be honest and up front and tell you that none of these are as good as Trading 212. The app is fantastic, clear and simple to use and the community forum is excellent. If you are new to stocks and shares then I would suggest you start slowly – but Trading 212 is an excellent choice for the beginner.

Now for my 2nd honesty point. I was originally attracted by the Trading 212 Promo code which offered a free share – who wouldn’t be ? But these guys have the right idea as they know the service offering once you have had your free share will mean you will come back and make further use of the app! I know I did :-). I am truly addicted and check how my shares are doing everyday. This was not a completely planned but I have seen my shares rise over the past few months and I’ve loved that feeling. (disclaimer: Shares can go up and DOWN)

Up until I started using the Trading 212 app I had rarely thought about stocks and shares. I’m not afraid to say that I’m a relative novice when it comes to investing. That said I’ve spent the last few months using the Trading 212 app and understanding and researching everything I can and I’m enjoying the journey. I have a feeling I will be creating a more detailed blog taking you on my trading 212 journey during 2021. Keep an eye out from the beginning of Feb 21 for a weekly blog on the process of my shares…

So to begin – I started buying shares at a relatively volatile time (just as CV19 lockdown was implemented in the UK)I will be honest – Originally I was unsure if this was the platform for me – but the offer of a free share (worth upto £100) for investing £1 perked my interest and I had a new account setup very quickly after providing some documents online to verify my identity. (You too can get a free share by clicking through the link above – just make sure you choose to open and INVEST or ISA account to receive your free share)

The following day I had a share for £81.76 for Paypal – and as of updating this page on the 15/01/21 the share price of that one share is £175.94 🙂 . Not bad if you ask me. I can safely say that the Trading 212 referral scheme is probably the best scheme I have blogged about on my website. (that doesn’t mean you shouldn’t check out some of my other referral schemes)

Since then I have begun purchasing shares myself. I started off few shares in Barclays bank followed by Metro Bank and Lloyds just to get a hang of the share buying process. I’ve gradually started buying more shares in various companies as its just so easy on the trading 212 app.

I have received a number of free shares along the way from referring other people. My highest value shares other than Paypal have been Astra Zeneca and I got 2 @ roughly £68 each but I have really enjoyed spending my own money and buying more as the weeks have progressed.

My current portfolio is shown below… I have purchased some of these and received some free from the using the referral scheme. You will get one free share for using the link above and then you will also get an link of your own to refer your friends and family.

I will update you all as my portfolio increases over the coming months. But you can see what I have right now and how I’m currently doing :-). Not bad for a complete newbie huh!

You should expect to see a lot more posts from me over the coming months specifically related to my investments and my thoughts on both my portfolio as it grows (hopefully) and my reviews of the various share dealing platforms out there. Yes this blog was originally ONLY about referral codes but I think I’ve found something else to write about that I think you guys will be interested in!

I will be setting up a separate BLOG page just covering my progress on Trading 212 – Expect to see that in the coming days!

I just referred one of my oldest friends and she got a share in Astra Zeneca too so I don’t think I’ve been especially lucky. . . Good luck and happy trading 🙂 – Don’t forget if you use the link above you are welcome to leave a comment below with your promo code for others to use. xx

Don’t forget to use my link above before joining to get your free share worth upto £100

Follow these steps to open an account…

1. Click on the above link and when selecting an account type click the INVEST account type, fill in the form with all you details.

2. Wait for your account to be activated, normally this happens automatically but sometimes you may need to undergo manual verification. When logged in just click CHAT and select Account Activation and follow the steps required.

3. When you have activated top up £1 by clicking on your account in the top right hand corner and clicking deposit funds. Choose credit/debit card for instant deposit and no fees!

4. Once you’ve activated and deposited you will receive your free share within 24 hours. To see which shares you have look at ‘Open Positions’ in the bottom of your Trading212 screen. You can choose to keep the share or sell it by clicking on the ‘X’ mark next to the share to close the position. Once sold, the money from the sale will go into your account

5. To withdraw the funds, click on your account in the top right corner of the screen, then choose the ‘withdraw funds’ option from the drop-down menu to withdraw your funds to your card/bank account.

Frequently Asked Questions

How do I get a free share on the trading 212 platform?
Sign up following this link: http://www.trading212.com/invite/FMStoXkl
and open an INVEST account and deposit a minimum of £1/$1/€1 to get your free share. Or if you have already registered enter Trading 212 promo code: FMStoXkl

What is the Trading 212 PROMO Code?
If you have already registered but did not use a referral link then you can enter Trading 212 Promo code: FMStoXkl to get a FREE share in the relevant box on the app.

How long before you get your free share?
If you follow this link to open a new INVEST account: http://www.trading212.com/invite/FMStoXkl and invest £1/$1/€1 you will get a free share worth upto £100/$100/€100 within 24 hours. Usually you are notified within minutes of making a deposit

How much is the free share worth?
If you register using the following link: http://www.trading212.com/invite/FMStoXkl or enter Trading 212 promo code: FMStoXkl you will get a free share worth upto £100/$100/€100

Do I need a trading 212 promo code to get a free share?
You do not need a trading 212 promo code to get your free share. You need to follow the referral link: http://www.trading212.com/invite/FMStoXkl and it will be automatically activated. But if you have registered and did not use a referral you can manually enter FMStoXkl in the trading 212 promo box in the app

Lions Prep Meal Discount: Get £20 off order

Money Saving Hacks July 6, 2021

Lions prep Discount Code: FAISAL17842

Get £20 off your 1st meal prep order at Lions Prep with discount code: FAISAL17842. You can even combine this code with the 20% off your 1st 2 orders to stack for an even better deal!

After living a pretty sedentary 18 months during lockdown – I’ve realised that I’ve put on a bit of extra weight which I’ve spent the last few weeks going pretty hard in the gym to try to lose it! But I’ve realised that as I get older it gets much harder and I can no longer eat what I like and hope to keep the weight off even with my pretty intense daily gym workouts. That’s where I hope Lions Prep will come in…

We all know that if you really want to lose weight then you need to exercise but you also need to manage your diet too. I’m normally a pretty healthy eater but lately I have been eating out far too often which has meant that I have probably consumed a few more calories than I would have otherwise. Combine that with my seriously lack of interest in cooking for myself and you have to start looking at other options!

We’ve all seen the meal prep ads and companies before. These days there are hundreds of them but I came across Lions prep and noticed that the meals actually looked fantastic and they required very little effort to be ready to eat. I was even able to find a Lions Prep discount code: FAISAL17842 which gave me £20 off on top of the new subscription offer of 20% off which made this even more of a bargain!

I was able to choose between a balanced and low carb diet, and then pick my protein and the number of meals I wanted to order. Unlike some of the other meal plans out there – not only did EVERY single meal look yummy but I was able to change the accompaniments to make this exactly to my choosing. I added breakfast which by the way was also seriously delicious and one snack to my order (pancakes and turkey bacon anyone?) to make a perfect weeks meal plan.

With the discount of £20 by using Lions Prep discount code: FAISAL17842 and the 20% discount for your 1st 2 weeks I was able to order meals for 6 days including breakfast and a snack for under £100. Which I think is fantastic when you check out the types of meals I have ordered!

My first order arrived and all I can say is they look pretty close to what you see in the pictures. Don’t get me wrong they obviously don’t look exactly like the pictures (they never do!) – but after being shipped from miles away you usually hope that they will be close to what you saw in the pictures and my order is! That makes a change from my previous meal prep orders.

I have to say the meals I have tried so far taste absolutely frickin’ amazing! No joke I think I have found my goto meals for the next few months. They have plenty of options and I think the meal menus change every 4 weeks so I don’t think I will get bored. They are not cheap all things considered but they are not expensive either… so for me I think I could afford to do this for a few months to get my body shape back and to allow me to better understand what I need to do to maintain this going forwards. I might even get some hints and tips to make some meals for myself!

I will post another update when I have had a few more meals and let you know how im getting on. Suffice to say for now I’m well impressed with Lions Prep.

Peppersmith Mints & Gums: Get £5 OFF

Money Saving Hacks July 4, 2021

Peppersmith Referral Code: CLICK HERE TO GET £5 OFF

Click the Peppersmith referral link and enter your details on the page to get a voucher emailed to you for £5 off your first order at Peppersmith.

I turned vegan a few years ago – I wanted to do right by the environment and in general wanted to switch to a healthier diet which also meant cutting down on my sugar intake. It wasn’t a difficult transition but my one weakness has always been sweets and I didn’t realise how un-vegan friendly most brands are until I started to pay attention to the ingredients. My sweet tooth was always craving that little pick me up until I discovered Peppersmith and remembered what I had been missing out on!

Peppersmith mints, gums and pastilles are 100% plant-based AND sugar free! Peppersmith use Xylitol instead of sugar to sweeten them, which is really good for your dental health. So not only can I enjoy them, but I can also share them with my diabetic mother which I love as I always feel bad when she misses out on sweets but now I’ve found this alternative – it’ almost too good to be true!

The great thing is that I was able to get £5 off with my Peppersmith referral [£5 FREE LINK] which made me even more pleased to try out this brand. I mean delivery is even free on all UK orders. They come in boxes of 12 and there is a fuss free returns policy, which helped sway me into trying them as I was in two minds about purchasing in case I didn’t like the product, instead it’s a daily pick me up for me now!

I like to keep the gum and mints on me to freshen my breath when I’m on the go and it’s a bonus knowing I’m keeping my teeth healthy. I never get bored of the flavours as they come in gums come in English peppermint, Sicilian Lemon, strawberry and extra strong so I can mix it up! The gum is either peppermint or spearmint, so I have a choice there too. It makes me happy knowing that Peppersmith is all natural, which aligned with my values – doing right for the planet and my body. No harsh chemicals and no compromise on the flavour. Even the packaging is plant friendly and sustainable, not made of plastic film that would go to waste or unrecyclable wax paper like other brands use. Peppersmith uses FSC-certified cardboard boxes. FSC stands for Forest Stewardship Council® which helps take care of forests and the wildlife and people who call them home, just for this I am happy to pay a bit extra if I need to but it’s still affordable! The packaging is also fully recyclable, so when I am done, I can pop it into the recycling waste with everything else, including the mailer box it comes in, perfect! Now even their new mighty boxes, their 50g pouches are made from responsibly sourced cardboard, and the reseal tab means I can share them with my friend and family time and time again!

It feels good to know I am supporting a brand with such a responsible mindset that is aligned with my values. They are working on phasing out all plastic and unsustainable packaging from their supply chain which fills me with confidence for a better future! I will continue to purchase from Peppersmith as it makes me feel like I am doing my bit to help such initiatives however small it may be, it’s a step in the right direction and I’m excited to see if they develop any other products in the future! But all said and done they actually look good and taste fantastic. I often get asked where I bought them as I don’t think they are available in shops and can only be ordered online.

By using my Peppersmith referral you to can get some Peppersmith gums and mints and £5 off too! Enjoy

H x

Yoppie Referral Code: Get £30 FREE Credit

Uncategorized July 2, 2021

Yoppie Referral code: YACSBXVJ

Enter Yoppie referral code YACSBXVJ during checkout to get £30 credit off your first subscription.

For each woman her cycle is something completely personal, that can often affect your mood, your body and your energy. With so many variables being a part of the equation it is normal that you are looking for personalised solutions so as to best deal with your cycle. I mean, I know I was looking for solutions and it was just hard to find something that was not a one-size fits all approach. It was honestly disheartening at times. That was until I found Yoppie.com and honestly, my relationship with my body and my menstrual cycle completely changed. I could now have a personalised solution and I could stop worrying so much.

What I love most about Yoppie is that it is all about your choices and how you would personally feel better about your cycle, rather than an expert trying to convince you that this is what you need. Getting started with this subscription service is honestly very easy. All you would need to do is answer four questions. First the length of your period, then the type of flow you have, then it will ask what type of products you prefer to use to manage your periods and then it will give you the items that it suggests. You can then adjust the quantity that you need or if you would like to add a product that they did not include you can also do that.

As this is a subscription you will also need to select exactly when you would like to receive your box by, or how often you would like to receive it. For me personally I like to be on the safe side so I always like to have my new box of products arrive every 3 weeks, this allows my brain to settle down and feel like I am prepared for the next month. Of course, in this last section of selecting your box you can also add any referral codes or discount codes that you might have. This is where you would add the referral code is: YACSBXVJ so as to receive £30 in credit to spend on period products! That’s one of the best referral credits I have ever seen during my time blogging and it really does make the price of the products so cheap! My suggestion is that you use this first box to stock up on anything that you want to have on hand and then you can adapt and make each box more curated to your monthly needs.

I mean to be honest, it is not just that I feel like with Yoppie, I have personalised care for my menstrual needs, it is more importantly the fact that I know that all of their products are of the highest quality. Everything that they use is 100% organic cotton, which means that for the first time in my life I don’t feel like I have to worry about what nasty chemicals they may have used to produce my pads and tampons. And it is also, just so much better for your skin and body, to have pure cotton over some product with a ton of chemicals. So, with Yoppie I feel like I am helping the planet while also saving myself a whole lot of irritation and trouble.

I just can’t say enough good things about this service. The products arrive when you need them – there are no uncomfortable moments in the checkout queue and the subscription arrives in plain packaging. No more late night trips to the corner shop for me when I accidently run out! I now have everything I need delivered to my door every single month and its just so much easier. But honestly, don’t take my word for it, try the service for yourself. Just use the referral code: YACSBXVJ to get your first box of curated period products to your door with £30 off and trust me when I say you will never want to go back to the hustle of trying to remember whether you have enough products at home. Everything will be there waiting for you to make your period completely stress free.

Just go to yoppie.com, fill in your preferences, add the referral code and when that box arrives at your door trust me when I say you will be happy that there is at least one less thing to worry about. X