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Sensible Spender

Real Money Advice for Everyday Spending

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logo

Sensible Spender

Real Money Advice for Everyday Spending

  • Home
  • Personal Finance
    • Credit Cards
    • Personal Finance Basics
  • Cashback & Loyalty
    • Cashback Apps and Sites
    • Coffee Loyalty Schemes
    • Supermarket Loyalty Cards
    • Hotel Schemes
  • Spending Habits
    • Articles
    • The Sensible Basket: UK Monthly Price Tracker
  • Financial Calculators
    • Coffee Cost Calculator
    • Compound Interest
    • Savings Goal Calculator
    • Subscription Calculator
  • About
  • Contact
  • Privacy Policy
Illustration of a shopping basket representing a personal cost of living tracker
  • Spending Habits

I’ve Started My Own Cost of Living Tracker. Here’s Why.

Jonathan25 May 202613 June 202604 mins

Forget the government’s official basket of goods. I’ve built my own. 10 items, tracked every month, no agenda. Just a straightforward look at what everyday things actually cost.

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Quidco cashback site logo, featured in this Quidco review
  • Cashback and Loyalty
  • Cashback Apps

Quidco Review: Is It Worth Using for Cashback in 2026? (My 10-Year Experience)

Jonathan23 May 202613 June 202607 mins

I’ve been using Quidco since 2015 and earned over £2,700 in cashback. Here’s my honest review of how it works, the pitfalls to watch out for, and whether it’s worth your time.

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Close-up of ground coffee, used to illustrate the coffee cost calculator
  • Calculators
  • Spending Habits

I Built a Coffee Cost Calculator. Here’s Why.

Jonathan20 May 202613 June 202604 mins

I’ve always been curious how much that daily coffee habit really adds up to — and what I could do with the money if I cut back. So I built a calculator to find out.

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Everup app logo, featured in this Everup app review
  • Cashback and Loyalty
  • Cashback Apps

Everup App Review: Is It Worth Using for Cashback on Gift Cards? (My 2-Month Experience)

Jonathan20 May 202613 June 202615 mins

I’ve been using the Everup app for two months and earned over £67 in cashback. Here’s my honest review of how it works, the downsides, and whether it’s worth your time.

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Wooden letter tiles spelling SUBSCRIBE, representing spending on subscriptions
  • Spending Habits

How Much Are You Really Spending on Subscriptions? (It’s Probably More Than You Think)

Jonathan17 May 202613 June 202605 mins

Most of us have no idea what our subscriptions are actually costing us every month. Here’s how to get a proper handle on it, and a free calculator to add it all up for you.

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  • Hotel Schemes

Point A Hotel Review — How Was My Experience?

Jonathan16 May 202616 May 202603 mins

Point A Hotel is one of London’s best budget options — small rooms, smart design and honest pricing. Here’s my honest review after multiple stays across their London locations.

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Co-op membership rewards scheme logo
  • Cashback and Loyalty
  • Supermarket Schemes

Co-op Membership: Is the Rewards Scheme Worth Joining?

Jonathan14 May 202612 June 202604 mins

Co-op membership is free to join and earns you cashback on your shopping — plus the option to donate rewards to local causes. But is it actually worth your time? Here’s my honest take.

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Jonathan

Hi, I’m Jonathan, a Scottish-based personal finance blogger with an obsession for making every pound work harder. My interest in this space started years ago when cashback sites first launched. Discovering that you could get the exact same product for less, just by being a little more deliberate about where and how you spent, genuinely changed how I approached money. That moment sparked an ongoing drive to find smarter ways to save without sacrificing quality or convenience.

💰 Cashback Savings

Quidco ↗ £2,788.02
TopCashback £495.72
Everup ↗ £73.23
Total saved £3,356.97

As at 22/05/2026

Links above are affiliate links. If you sign up via one of them, I may receive a small payment at no extra cost to you. I only link to services I personally use.

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Important
Sensible Spender is an independent personal finance blog. Content is for informational and educational purposes only and does not constitute financial advice. Always seek independent financial advice before making any financial decisions.