The higher cost of mortgages will be a headache for many families already budgeting hard to meet all the bills.
Say you have a £200,000 mortgage that was on a 2 per cent rate and you've had to remortgage at 6 per cent, your repayments will now be an extra £441 each month, and https://www.deepl.com that's a lot of cash to suddenly have to find.
So it's time to get your house to pay for itself.

Ensure that lazy old pile of bricks makes you money instead.
If you have a spare room the obvious money-maker is to take in a lodger, whether full-time or part-time, permanent or temporary. You can make up to £7,500 a year tax-free from renting a room which is a good incentive in itself.
Can't bear the idea of a full-time stranger in your home?

Try a part‑time one through sites like fivenights.com or mondaytofriday.com where you get working professionals who only want to be there part of the week. For full-time lodgers, try spareroom.co.uk, roomies.co.uk and roombuddy.co.uk.
The higher cost of mortgages will be a headache for many families already budgeting hard to meet all the bills
Another option is to host a foreign exchange student, but this does come with some responsibility; you're not just renting out your spare room, you're agreeing to care for a young person. It's decent money and could help towards mortgage costs.

You can get more information from UK Guardians or Education First (EF).
You could also do what my friend Amanda did for a year or so and turn your spare bedroom (or dining room or other spare space) into a dance studio or other work-type space instead of renting somewhere else.

Amanda took the furniture out and ran yoga classes there. You could charge £13 to £25 per person, depending on your area and level of skill.
Use your bathroom to make your own skincare products to sell or give as Christmas presents. There are recipes online and thousands of videos on YouTube showing you how to make lip balm, moisturiser, eye cream and more.

Pick up cheap pots on eBay, Amazon and onbuy.com, and you can sell them at local markets, car boots and online for a profit.
You can also make a tenner or more by storing up old toilet rolls and selling them on eBay in batches (around 50 is ideal).

Crafters are always on the lookout for these handy cardboard tubes, and gardeners will use them as propagating tubes (they are particularly good for sweet peas).
In the kitchen, you could make money hosting dinner parties, create a pop-up restaurant in your dining room, set up cooking classes and much more with eatwith.com.
If you have a spare room the obvious money-maker is to take in a lodger, whether full-time or part-time, permanent or temporary.

You can make up to £7,500 a year tax-free from renting a room which is a good incentive in itself
Hosts need to be able to cook as you will be charging for what you produce but you can charge anything from £20 to £60 per person. You'll need to budget for the cost of buying and preparing the food.
It's a great way to meet new people and to earn a bit of money on the side.
If you're a Bake Off fan you could make money, like my neighbour Sarah does, by baking cakes and biscuits to sell at markets or direct to her growing clientele.

She also makes jams, marmalade and chutneys.
To do these food-based money-makers properly you need to register with your local authority and do a short course in food hygiene. The Food Standards Agency has details at food.gov.uk/business- guidance/starting-a-food-business- from-home.
There's money to be made from your driveway, too.

If you don't use the drive or have room for another car, rent it out to car owners through parklet.co.uk or justpark.com. The guys at justpark.com say that, on average, you could make £15 to £25 a day if you live near a sports stadium, £80 to 250 a month if you live near a station and £100 to £200 a month if you live near a high street.