Good Salary, Extra Cash is on Amazon in Kindle and paperback. I earn royalties when you buy a copy.
Thank you for reading Good Salary, Extra Cash. This page has the free printable toolkit that goes with the book, plus the calculators, guides and official links for each chapter.
Free printable: the Clear Out, Cash In toolkit
Eight A4 pages to print or fill in on screen, so you can go from a cluttered cupboard to cash in your hand:
- Your 30-day clear-out plan: one small job a day
- My what-to-sell list: sell, bundle, give away or don’t sell
- Listing template and message scripts to copy and paste
- Photo and safety checklists
- Decluttering or trading? The £1,000 line
- Flip sums sheet and record sheet, if you try flipping
Enter your email and I’ll send the toolkit straight to you. You’ll also get my occasional money emails, and you can unsubscribe at any time. Privacy policy.
The workbook pages at the back of the book can also be copied for your own use.
Calculators and guides, chapter by chapter
Tax figures are for the 2026/27 tax year (6 April 2026 to 5 April 2027), checked on GOV.UK and HMRC in October 2026. Rules change, so check the GOV.UK links below before you rely on a figure.
Chapter 1: “Will I get a tax bill for this?” Decluttering, trading and the £1,000 line
Toolkit: Decluttering or trading? The £1,000 line.
- Side hustle tax calculator
- Self-employed tax calculator
- Side hustle tax in the UK: the £1,000 trading allowance
- Vinted and HMRC: do you need to pay tax?
- GOV.UK: selling goods or services on a digital platform
- GOV.UK: check if you need to tell HMRC about income from online platforms
- GOV.UK: tax-free allowances on property and trading income
- GOV.UK: Capital Gains Tax allowances
- HMRC Business Income Manual BIM20205: the badges of trade
Chapter 2: What to sell, and what not to sell
Toolkit: My what-to-sell list.
- Retro decluttering hacks that make money
- Where to sell used books in the UK
- BHF: book a free furniture and electrical collection
- Child Car Seats: second-hand child seats
- The Lullaby Trust: second-hand baby products
- GOV.UK: product safety alerts, reports and recalls
- Apple: before you sell your iPhone or iPad
- Android: reset to factory settings
- Facebook Commerce Policies
Chapter 3: Setting up safely before your first listing
Toolkit: Photo and safety checklists.
Chapters 4 to 6: Photos, words and prices, and getting seen
Toolkit: Listing template and photo checklist.
Chapter 7: Clothes for the whole family, shoes and children’s things
- How to sell on Vinted in the UK
- Vinted parcel sizes and shipping
- Budget baby essentials in the UK
- The Lullaby Trust: second-hand baby products
- GOV.UK: product safety alerts, reports and recalls
Chapter 8: Messages, no-shows and offers
Toolkit: message scripts you can copy and paste.
Chapter 9: Getting paid safely and spotting scams
- Vinted scams: how to stay safe as a seller
- Report Fraud (City of London Police)
- Stop Scams UK: call 159 to reach your bank safely
Chapter 10: From decluttering to flipping
Toolkit: Flip sums sheet and record sheet.
- Self-employed tax calculator
- How to sell on eBay in the UK
- Which?: your rights when buying second-hand
- Business Companion: protection from unfair trading
- Business Companion: second-hand electrical goods
- Furniture and Furnishings (Fire) (Safety) Regulations 1988
Chapter 11: When the taxman needs to know: registering, Self Assessment and simple records
Toolkit: record sheet.
- Side hustle tax calculator
- Self-employed tax calculator
- How to register as a sole trader in the UK, screen by screen
- Side hustle tax in the UK: the £1,000 trading allowance
- GOV.UK: check if you need to tell HMRC about income from online platforms
- GOV.UK: check if you need to send a Self Assessment tax return
- GOV.UK: register for Self Assessment
- GOV.UK: Self Assessment deadlines
- GOV.UK: payments on account
- GOV.UK: how long to keep your records
- GOV.UK: Making Tax Digital for Income Tax, are you eligible?
- GOV.UK: when to register for VAT
- TaxAid: free tax help if you’re on a low income
Bonus chapter: The other side: buying second-hand
Using your car to collect or deliver? Check your insurance
If you flip and drive to buy or deliver, your car insurance may need business use. The book explains why.
Where the money goes next
Selling money has a way of disappearing. Give it a job before it lands:
Planners, if you’d like them
These are paid planners from my shop. You don’t need any of them to use the book.
- UK Reseller Profit & Inventory Dashboard: if you start flipping, it tracks what you bought, sold and made.
- UK Sinking Funds & Savings Pots Dashboard: give your selling money a pot and a target.
- MoneySavvyUK Financial Reset Binder: the printable budget planner that goes with Good Salary, Empty Account.
Free: the 7-Day Financial Reset Kit
If you’d like more help after this book, my free 7-Day Financial Reset Kit gives you one 15-minute money task a day for a week: subscriptions, renewals, a simple budget, savings pots and more. It arrives by email, and you can unsubscribe at any time.
The other MoneySavvyUK Guides
- Book 1: Good Salary, Empty Account: stop money leaking out before payday. Free tools on that page.
- Book 3: Good Salary, First Home: save a real deposit, get mortgage-ready and buy your first home. Free tools on that page.
A small favour
If the book helped you clear a cupboard, sell something safely, or stop worrying about the taxman, I’d be so grateful if you left an honest review on Amazon. It takes a minute, and it helps other families find the book.
The book and this page give general information, not financial or tax advice. The book is an independent guide, not endorsed by Meta. If your situation is complicated, check with HMRC or get advice.
About the author. Dr Kalpana Govindaraasan is a scientist (PhD, materials chemistry), a former secondary science teacher and a mum, and the founder of MoneySavvyUK. She is not a financial adviser; she’s someone who reads the small print so you don’t have to. Read her story or follow her Amazon author page to hear about new books.