FREEBIE hunter Anushka Fernando saved a whopping1,090 last year byskimming her bank account.
Its a simple and completely legal trick, which anyone can do, and is guaranteed to save you money.
The 31-year-old, who works at Magic Freebies UK, got into skimming about a year ago, when looking for ways to save money.
Bank account skimming shouldnt beconfused with ATM skimming, in which thievesuse hidden electronics to steal the personal information stored on your card.
This trick is to do withmoney-saving, and all you have to do isroundyour bank balance down to a whole figure and put the excess money into asavings account.
Anyone can do it, you just need access to online banking and have two accounts (not necessarily with the same bank) your current account and an online savings account.
It goes like this. At the end of the day, check your bank balance. Itshighly unlikely your current account will be a completely round number, so using the skimming method, transfer the odd amount into a different account so youre left with a whole number in your bank account.
Say, for example, you have 1,224.51 in your bank account. You can round that down to a whole number by removing the 4.51 and putting it into a separate account.
If you cant afford to spare 4.51, you can round down the pound and remove just 51p any saving will do.
Anushkagot into skimming a year agoafter her friend told her about an add-on feature with Lloyds current account,in which every time a customer spends with their Lloyds debit card, the amount isrounded up to the nearest pound and the bank transfers the difference to the customers saving account.
Most Lloyds bank account customers can sign up to the free feature called Save the Change if they have a current account and savings account with the bank and are registered for online banking.
Ms Fernando took inspiration from Lloyds, but did the opposite rounding down rather than rounding up.
She banks with Barclays and uses the banking app to transfer cash between her current account and e-saver.
On days when she has a little more money to play with, shell round down by up to 30 or 40, while on other days shell only move pennies across.
When she first started using the money saving method she would transfer money on a daily basis, but now, she says, shell usually do it on a payday.
Ive never been a great saver, and struggle to put big chunks of money away, so this is a great way of keeping some money aside, she told The Sun Online.
Im addicted to doing it, and I dont like leaving my bank account without skimming every week.
Anushka added: When I first started I did it every day I was obsessed with seeing a neat little figure and it didnt feel like it was effecting my bank balance too much. Some days I would skim a few pounds then other days more.
Skimming a few pounds a day felt like spare change to me and not so much of a dent in my account.
Some months I just did every week and then more frequently at other times.
So I started doing it on a weekly basis, and now do it every month on payday.
Ms Fernando said that thoseskimming an average of 2 a day wouldsave a whopping 730 by the end of the year.
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