Cashback is most often used for home and car insurance where cashback might be up to £80. In general the public are far more aware of price comparison sites than cashback sites due to the extensive TV advertising.

Savvy users once again use the price comparison sites to find the best price and then make their purchase via their cashback sites. Research suggest that one in two UK adults is aware of the existence of Cashback sites, with nearly 2.5 million having made online purchases of goods or services in this way.

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My own personal experience is that many people are skeptical about Cashback when I explain to friends that for just by making a few extra clicks they earn save on nearly all their online purchases I just see a glazed look come over their faces.

Cash back offers
There are various kinds of cash back offers and trends and there are in fact many companies that offer cash back.

1. Cash back scheme for tenants – The housing minister in UK is going to introduce a new Tenant Cashback scheme for the residents that will help them to control the budget on home repair. The tenants can also save the spare money from the Cashback offer. So, if you are a tenant you can start the repair work of the place you are living in rather than asking your landlord to do the same.
2. Cash back websites – There are several Cashback websites that provide various Cashback offers from well known companies like Avis, Cosmos Holidays, Comet, Walktall and so on. Cosmos Holidays is a well known company offering package holidays, discounts and special offers on travel costs.
3. Cash back credit cards – There are also Cashback credit card offers. The credit cards offer cash back on purchases made through their cards. Some of such cards are the Escape Card, the Cashplus Gold Mastercard, Lloyds TSB Airmiles Duo Credit Card, Barclaycard and so on. The Cashback money comes from or are rather paid by the retailers. This is a form of advertising in order to popularize their companies in the market and amongst the people.
4. Cash back mortgages – There is yet another Cashback trend and this is the Cashback mortgage. In case of the Cashback mortgages the borrower is paid back a lump sum after he or she completes the payments on the mortgage. There are basically two ways in which the cash back mortgages are offered. One Cashback trend in mortgages is the one which is offered at the lenders standard variable rate, the cash back in this case can even be as high as 6% of the mortgage amount (the new one). The borrower can even choose to spend the cash in whatever way he or she may wish. The other trend is where the offer is made along with another type of mortgage.

So, you can see that cash back offers help you a lot in lowering your expenditures, saving money and motivating you to make on-time payments.

Guest Post by Jason Holmes who is a regular writer with Debt Consolidation Care and is also a contributory writer with other financial sites. His expertise is woven around various aspects of the debt industry and with his e-books he tries to impart to people the different situations and simple solutions to get out of difficult situations. Some of his works include e-books like ‘Credit Score The Quintessential Therapy for a Happy Pocket’, Take Creditors and Collection Agencies to Small Claims Court’ and, My Story- From Depression To a Smile’.

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Why choose Quidco?

Quidco was founded in 2005 with a mission to help people save money in every way possible – as a result it is now the UK’s favourite cashback and voucher website.

* The UK’s no.1 discount site
* Cashback, voucher codes and printable vouchers
* 2,000 retailers including Amazon, eBay, Tesco and Pizza Hut
* UK exclusive – many of our vouchers come with cashback
* Over 1,000,000 members = biggest buying power

Now as usual Caveat Emptor  (Buyer Beware) some of the items on these sites are genuinely free and some are only free trials which you have to remember to cancel after the free period (easy to forget). So learn to distinguish between the absolutely free and the watch out for the sting free! You will see a lot of offers for Free Credit Reports for instance.

The things that are most likely to be absolutely free are Cosmetics and Food Samples they will likely come with extra coupons to get discounts on the same products in your local stores.

• foodfreebies.co.uk

HotUKDeals.com was founded in August 2004 as a place for consumers to freely share deal tips, voucher codes and other consumer information. The purpose of the site is to escape from the marketing messages and ads that surround us and get genuine advice from other people about hot deals.