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Fall in love with lending
Okay lets admit it - banking and money has to be a pretty dull subject. Contrast that to something like eBay where you are bidding on a item that you want and you are offering a fair price. There is a certain amount of satisfaction when you win.
With the like of Funding Circle you are also in an auction. You are (for example) offering £40 at 9.9% (before fees,tax and bad debt) and the deadline is approaching. There is a frantic rush of lenders trying to undercut each other, knocking off higher rates one by one. The auction closes and you find that you have "won" lending your £40 at 9.9% !
Not all peer-to-peer lenders operate the auction (listings) model, as some such as Zopa and RateSetter prefer to rely on a market, however there is still some excitment when you find out your lending offer has been successful.
Check out the latest rates on peer-to-peer lending to see how you can make your money work a bit harder.