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If your New Year’s resolution is to gain control over your finances after your divorce then this freebie could be just what you need. Download a free copy of “Me And My Money”, a 44 page ebook that helps you stretch your money after a separation.
Topics covered include:
- Bills
- Savings
- Debt
- Budgets
- Child Support
- and many many more!
Download your free copy today and take control over your finances after separation or divorce!
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MoneySaver Australia has a FREE magazine giveaway going on right now. Though these mags may not be as popular to many people, it still won’t hurt to receive new mags for FREE, right? Who knows, you might actually need them or might actually learn something new from them. Most of these magazines has to do with computers and architecture so if you or someone you know is into that, go get your FREE copies now. Here is a partial list of the FREE magazines:
- Australian Macworld
- Desktop
- Marketing Magazine
- FM Facility Management
- (inside) Interior Design Review
- AR Architectural Review Australia
- HeliNews
If you ask me, these magz look like good gift ideas for your brother, uncle, dad, boyfriend, or son. If you’re a business, these magz would be good additions to your waiting room reading materials. Side Note: Only one free magazine per household. Offer valid while supplies last. This is not an enrollment to a new subscription so don’t worry!
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Since Easter is coming in just a few days, Crazy Clark’s is offering 50% OFF any Easter gift bags and boxes. Make your gift recipients smile even before opening their Easter gifts with fun and heart-warming Easter bags and boxes from Crazy Clark’s.
This offer is available at any Crazy Clark’s location beginning today.
You can take advantage of this offer two ways:
1. Shop at Crazy Clark’s for Easter gifts and buy the gift bags and boxes there.
2. Shop somewhere else but buy the bags and boxes at Crazy Clark’s.
Either way, you’ll save lots of money.
Simply print out the attached coupons and you’re good to go.
Side Note: 50% Off offer ends on April 15th, 2009.
Print your 50% Off coupon here.
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Hopefully, you have a savings account for yourself, but do you have a child saving account? A savings account for children allows you to provide for their future and can teach them the value of putting money aside. It’s a good way to encourage your own savings too, since your children will model your behavior. Many banks offer kids savings account, with lower deposit amounts and often no fees, as an incentive.
When considering a savings account for children, make sure it is fee-free. Children generally have less money to deposit than adults and you don’t want to unintentionally penalize your child by opening a kids savings account with unexpected fees and charges that negate any benefit.
If your child is old enough, read through the Product Disclosure Statement with him or her. This will help them understand that the child saving account has its own rules and there may be costs associated with bending or breaking them. A savings account for children shouldn’t have much, if anything, in the way of fees, but teaching children to read their banking literature is a good lesson for the future.
A kids savings account can also be a big incentive. Perhaps you can offer to match some of the money your child deposits. Receiving the monthly statement can be positive feedback that encourages your child to continue saving regularly.
Having a child saving account with their name on the paperwork can be a big step in growing up. It can provide your child with a sense of responsibility and the ability to make decisions about certain aspects of their own life. You’ll be able to watch them blossom before your eyes.
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With the price of everything rising, do you wonder if you’ll ever be able to save any money at all? We worry about how to save money when everything is so expensive or what the best way to save money is. There are actually many ways to save money and several of them are so simple you’ll hardly notice them at all.
Start an automatic savings plan. Begin with a small deduction, maybe 5 or 10 dollars per pay cheque. Make it a small enough amount that you won’t miss it and when you are used to that amount, raise it just a bit. Did you get a raise? Then send at least half of it to your savings plan.
Shop sales. How to save money doesn’t involve just putting it aside. It also includes spending less. Compare prices, the Internet can help you with this for free. When out shopping ask store staff about upcoming sales or discounts on floor models or discontinued items. The very best way to save money is to not spend so much in the first place.
Want more ways to save money? Pack your lunch at least once per week. Drink tap water instead of bottled. Pay off any debt that charges fees and interest. Look for high interest savings accounts as a place to stash your money now that you have some.
The best way to save money may not be one single way at all. If you combine several ways to save money, you’ll probably see bigger savings than trying to find a single best way.
So next time you wonder how to save money, remember that over time little things will add up to huge savings.
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Make more of your cash with high interest online savings
Open a NAB iSaver before 20 November 2008 and for 4 months you’ll receive the special introductory variable rate of 6.25% p.a. After this introductory period, you’ll receive the standard NAB iSaver variable interest rate, currently 5.00% p.a.
- No bank fees - no transaction or account fees
- Unlimited deposits and withdrawals
- Immediate and unlimited access to your savings through a linked NAB everyday account. Fees may apply to this linked account
- NAB deposits are Government Guaranteed
There’s no minimum balance and it takes less than 10 minutes to apply if you already have a NAB everyday account.
PLUS with NAB’s 150 years of banking experience you can rest assured that your money is in safe hands. Hurry this offer only last till 20 November.
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Balance transfer credit cards can be a tool to help you get out of debt. Used wisely, no transfer balance fee credit cards or 0% balance transfer credit cards can give you that extra boost toward freedom from debt. If you’re religious about not charging anything more on your new card and paying as much as possible each month, you’ll find your debt dropping like a stone.
Consider the following strategies:
- No transfer balance fee credit cards: If you want to transfer a high balance to a new card with better terms, look for one with no balance transfer fee. Some cards impose a limit on the amount of fee they’ll charge, others don’t, but one with no fee at all is clearly best. Be sure to watch the interest rate, so you don’t get stung.
- 0% balance transfer credit cards: These cards may charge a one-time balance transfer fee, but the interest rate on the balance itself will be 0%, at least for a time. You’ll want to ensure you can pay the balance off, or transfer it to another card, before the time limit expires. After that date, the rate usually rises to a very high percentage.
- Tiered payment structures: These cards will allocate portions of your payment toward various rates and the fine print will tell you which interest rate receives the money first. A balance transfer credit card that puts your funds toward the higher-interest balance before the lower one is preferred.
Balance transfer credit cards are designed to bring new customers to the bank. The bank will not make much money with no transfer balance fee credit cards schemes unless you then carry a balance for a while. The same applies with the 0% balance transfer credit cards. During the 0% time period, the bank makes no money. They’re hoping you’ll leave a balance owing long enough for them to make a profit and often, they will have other fees in the “fine print” to help them make that profit. The way to protect yourself is to read all of the advertising and legal jargon before opening the account, so you know exactly how to make these cards work for you.
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Whatever you’re planning, you know it doesn’t happen overnight. It takes time. But that doesn’t mean a personal loan has to. Apply for a Citibank Personal Loan and get a response in 1 minute.
EASY to apply with a response in 1 minute
Apply online and you wont need to wait days for an answer, fill out loads of forms or even have to visit a branch.
SAVE with low rates from 13.24% p.a.* (comp. rate 13.65% p.a.)
Our rates are amongst the most competitive in the market. You’ll also avoid future interest rate rises because your rate is fixed for the life of your loan.
SAVE even more with 0.50% p.a. off your rate with Loanguard
Take out Loanguard payment protection insurance and we’ll discount your interest rate.
FREEDOM to re-draw on your loan
A redraw facility allows you to access repayments you’ve made any time, for any purpose
APPLY TODAY and you could have your money within 48 hours
Your loan will be paid directly into your nominated account within 48 hours of being approved, whoever you bank with. Apply to a Citibank Personal Loan Today.
Compare Personal Loans
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Sometimes people find themselves in a financial crush and absolutely have to lay their hands on some quick cash. There are several ways to get such a fast cash advance and at reasonable rates of interest.
First of all, nothing beats advance planning. You don’t want to be forced to obtain what is known as a payday cash advance, instant cash advance, or cash advance loan. These are very expensive and will not be a good financial move for you. So, when you negotiate your mortgage loan, terms of your checking account, and other financial services packages that you require the providers to make available to you, include at least a small line of credit that you can draw on in the event of emergencies. This line of credit, which could be activated as an online cash advance can be accessed at an ATM via your regular debit card. It should always be paid back as soon as possible after it is used; so that it will be there the next time you need it. You should only access this line of credit in true emergencies — for those times when you absolutely need an extra 50 dollars or so, and need it quickly.
The interest rate on such lines of credit, especially if they are tied in with the equity in your home, can be very reasonable, and if you pay back these short-term loans in a rapid manner, such as when you get your next paycheck, the amount of interest paid can be almost negligible.
Do not, if at all possible, use a cash advance store. These loans, also called a payday cash advance, instant cash advance, or a cash advance loan, are very expensive and the lenders making them charge some of the highest interest rates around for these loans, meaning that sometimes you will wind up paying back almost double what you borrowed – certainly not a good deal from the borrower’s point of view.
In advance of having an urgent need for cash, have a talk with your bank and see what they can do for you when you are faced with these sorts of emergencies. Often they can arrange for a small line of credit to be established in your name, even if you don’t have security against which to base a home equity line of credit. Such a line of credit will be a lot cheaper to use than the payday cash advance loans of these storefront vendors.
Regardless of the interest rate charged by your bank, you are guaranteed that it will be considerably less than that charged by a “payday loan” store, and having such a line of credit available to you will provide for peace of mine in the event you are ever faced with an emergency requiring you to lay your hands on some quick cash to deal with some unforseen financial event.
Compare Personal Loans
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There has been a lot of talk about online savings accounts and you’ve probably heard it all. They offer the best interest rates, they’re the only type of saving accounts to consider and they are the best Internet savings accounts. But are they safe?
These accounts have many advantages including 24-hour access from anywhere you have an Internet connection. While standard saving accounts require a signature, online accounts will require specific information to access the account, including a PIN number or password. The best Internet savings accounts also offer encryption of your information to make everything even more secure.
Generally, opening online savings accounts is just as easy as any other saving account, you find the bank that’s best for you, open an account and transfer money into it. Once your money is deposited, passwords and encryption help keep everything safe and secure.
Many banks offer online savings accounts; NAB, HSBC, BankWest, St.George and others often advertise their accounts. Check out all the Internet savings accounts that you can and choose the one that best suits your needs. Make your deposit and then watch your money grow.
Remember to help the bank keep your information secure by not responding to any requests for your personal information. Regularly scan your computer for viruses and spyware and immediately report anything suspicious to the online bank via e-mail.
Your vigilance and the bank’s security measures, like automatic timeouts and lockout of your information after failed logons, can keep your information even more secure than with a standard account.
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Ubank is a brand new term deposit that is backed by NAB. They are currently offering a special rate of 8.50% if you lock in your money for 3 months.
The only problem is that you are going to have to be quick as the minimum investment is $10,000 and the offer expires on the 12th of October 2008. So if you have a lazy 10G lying around put in in Ubank for 3 months as its the best rate you will get at the moment.
The next best rate is BankWest with 8.10%. BankWest is a savings account and not a term deposit so you don’t have to lock your money away.
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How do cash advances work? (These products are also known as payday cash advance, instant cash advance, and cash advance loans)?
Instant cash advance, payday cash advance or cash advance loans, are three of the most lucrative types of loans that financial institutions can make. The reason for this is that often people are desperate for the cash. They need it to pay for food and other day-to-day expenses that simply cannot wait until the next payday. The people who opt for these loans are often of lower income and those who do not have many alternatives for accessing quick cash, so they will gladly pay whatever interest rates these lenders are asking.
The way these payday cash advances or instant cash advances work, is that you show the lender proof that you have a bank account into which your pay cheque is automatically deposited each week. You also present proof that you are gainfully employed, so that the lender knows you are good for the repayment amount of the loan. Finally, you present proof of the amount of your take-home pay cheque, after all taxes and other charges. This proof can be in the form of bank statements showing the amounts deposited by your employer each week. You then sign the appropriate paperwork giving the lender your permission to withdraw monies from your checking account. They will need this permission in order to collect the balance, plus interest, on the loan.
The lender then makes you a loan, equal to the amount of your next pay cheque, less the interest to be charged. The interest rate can be very high, sometimes running upwards of 50%, or even more, but the loans are normally for a very short time period, generally no more than two weeks. When the borrower receives his next regularly scheduled pay cheque, the lender puts through a request to the borrower’s bank to be paid the balance due on the loan.
In summary, payday cash advances are also called instant cash advances, fast cash advances or cash advance loans. Some enterprising lenders take the whole process online and call them “online cash advances,” where the amount of the cash advance loan is deposited directly into your bank account. Regardless of what they are called, these payday advances are generally a very poor deal from the buyer’s standpoint and should be avoided if at all possible.
Compare cash advances
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You have so many things you want to do with your money. How do you keep it all under control? With different savings accounts, that’s how. This is a very simple way to keep things organised and save for those unexpected expenses or that month-long holiday.
Savings Accounts: These are the most basic type of account for saving money. They used to be offered as in-bank accounts only and you typically had to show up or post a letter to request a withdrawal. Today, savings accounts come in money market form, online, high-interest, limited withdrawal and more.
High Interest Savings Accounts: These accounts pay above-normal interest rates on your money. High interest savings accounts often have minimum opening balance requirements, but can also offer enticements, like HSBC’s interest premium for any month with no withdrawal. However, because they pay a higher interest rate, they can sometimes have restrictions on them, like limits to the number of withdrawals per month. If you’re considering high interest savings accounts, be sure to read the Product Disclosure Statement carefully.
Online savings accounts: The Internet has revolutionised banking. With online savings accounts you don’t need a local bank branch, in fact, you don’t need a bank branch at all. You have electronic access to your money and can make transfers in or out, day or night. It doesn’t matter whether your bank is located just down the street or in Antarctica. Just be careful to read the disclosures carefully to be sure your online savings accounts don’t have any hidden fees or penalties that might get you in trouble in future months.
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You just have a standard credit card, but you’re now considering a rewards credit card. Is it worth switching? Well, a lot depends on your spending and payment habits, but credit card rewards can be very nice perks if you use the card wisely. What’s the best rewards credit card for you? Let’s look at your spending habits.
- Loyal to certain brands: A branded rewards credit card, like HSBC or Citibank, can offer rewards tied into their brand. If you bank or do other business with them, their rewards credit card could pay off handsomely for you.
- You shop around: Something with less specific rewards might be best for you. Credit card rewards that are more generic, like cash back, might help you best. No matter where you shop, the credit card rewards (often “points”) add up, and you receive periodic cheques when you reach various rewards levels.
- You want a certain type of reward: In this case the best rewards credit card will give you what you want, air miles, petrol, pet food, whatever. With a more specific type of reward, your credit card will give you whatever makes you happy. It doesn’t matter where you shop or what brand you choose, everything works towards that one type of reward.
Whichever you choose, please remember that the best rewards credit card may have higher interest rates and fees than a basic card. If you have a good credit rating, the banks will want your business and you can often open a new credit card account with very attractive terms. Use credit card comparison websites to narrow down your choices and then open an account that will reward you for your spending.
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