Sick of jumping through hoops and paying for the privilege? By taking advantage of one of these top sites, you can cut out the middle man and, in doing so, save some of that hard-earned cash.

CUT OUT THE ESTATE AGENT – TEPILO.COM
www.tepilo.com



Property guru, Sarah Beeny’s website, Tepilo.com is a completely free service which lets homeowners take control of the sale of their own home, bypass estate agents and enjoy a 0% commission on sale. The site also features advice on buying and selling, offers profit-enhancing tips and hosts the negotiation process online. By cutting out the estate agent, you can save thousands of pounds worth of estate agency charges and may save time too.

Similar sites: Houseweb.com; Thelittlehousecompany.co.uk; Privatehousemove.co.uk


CUT OUT THE BANK – ZOPA

www.zopa.com



This online marketplace effects large-scale peer-to-peer lending by matching people who have money to invest with those seeking a loan. By cutting out the middle man (the banks), Zopa can give lenders and borrowers more competitive rates, while offering the same safety measures that banks use. It's a great service for those feeling sore about this year’s round of banker bonuses, letting you bypass the fat cats and pay interest to real people, while saving money yourself.

Similar sites: Prosper.com (US); Smava.de (Germany); Boober.it (Netherlands)


CUT OUT THE HOLIDAY RENTAL AGENT – LUXE HOME SWAP

www.luxehomeswap.com



Swap your home with fabulous properties elsewhere in the world and never pay a rental bill again at Luxe Home Swap. This site is styishly put together, reflecting the high-quality homes which are uploaded to it from destinations ranging from Argentina to Bali to Scotland. As part of your home swap, you can also exchange cars, baby clobber and sports equipment, saving you hassle as well as cash.

Similar sites: Ivhe.com; Guardianhomeexchange.co.uk; Homebase-hols.com


CUT OUT THE RECRUITMENT AGENCY – PEOPLEPERHOUR
 
www.PeoplePerHour.com



This burgeoning freelance recruitment site helps match self-employed professionals or moonlighters working around their normal job hours with businesses looking to hire freelancers remotely. The site’s vision is: “a future where anywhere, anyone can work anytime, selling their skills online to clients as and when needed.” The site has over 600,000 freelancers across 150 countries signed up to the site and lets businesses enjoy access to a vast pool of professionals, scaling their business up or down without the red tape, cost and bureaucracy of traditional employment.

Similar sites: Elance.com; Crowdspring.com; Freelancer.com


CUT OUT THE RETAILER – BIGWARDROBE

www.bigwardrobe.com




This fashion exchange site addresses the fact that 1.2 million tonnes of clothing are disposed of in the UK each year by helping people swap their unwanted designer fashion, shoes and accessories online. Shopping ethically and without spending money is surely a win-win combination.

Similar sites: Covertcandy.co.uk; Freebeauty.tv


CUT OUT THE PUBLISHER – BLOGGER

www.blogger.com



Be your own editor and publisher with the help of Blogger.com, a free blog publishing service, now owned by Google, which gives users access to a variety of templates and widgets, while offering mobile blogging and money-making opportunities by displaying AdSense ads on your blog. Starting a blog is the key to getting a book deal it seems these days, so what are you waiting for?

Similar sites: Wordpress.com; Typepad.com; Posterous.com


CUT OUT THE ART GALLERY – UNKNOWN PRINTS

www.unknownprints.com



This relatively new site allows unknown artists to submit original artwork, which it then transforms into prints and sells online. Artists whose work is accepted receive an initial £50, a free A1 print of their choice from the shop and a percentage of the profits on their work. It’s a great resource for amateur artists, who can show-off their work and earn money for it without going through a gallery.

Similar sites: iStockphoto.com; Shutterstock.com