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How Interest Free Deals Work

Have you ever wondered how interest free deals work?  On the surface they all sound pretty attractive, who doesn’t want to get what they want now and pay it off interest free over 1, 2 or even 4 years?  Maybe you think it sounds too good to be true?  Well, here are some of the things you should know when considering one of these deals:

  1. Using one of these deals will most likely reduce your ability to negotiate.
    Cash is king when buying big ticket items, generally speaking retailers will not negotiate once they know you require finance. Taking up one of these deals might push you to spend more than you initially expect.
  2. Quite often interest free deals are not available on the cheapest products in each range, this means you might have to end up spending more than you initially thought.
  3. Interest free doesn’t mean fee free. Yes it is true that you are […]
By |April 9th, 2015|Debt|7 Comments

How Much Can You Save By Shopping At Aldi?

When you speak to people about Aldi there are pretty much two camps.  There are those that love shopping at Aldi and those that don’t.   The truth be told I am in neither camp.  We live a five minute walk from a large name supermarket so that tends to be where we shop, more out of convenience and a bit of exercise, than anything else.   However, after hearing stories from my friends about how much they think they save from shopping at Aldi, combined with figuring out how much we spend on groceries every month(click here to find out more), I decided to see for myself how much we could save by shopping at Aldi.

In putting the Aldi’s to the test,  I chose 18 items at Aldi that would appear reasonably regularly on our shopping list and compared the prices to my local big […]

By |April 30th, 2014|Shopping|25 Comments

Hamper King: Are They Value For Money?

Ok I will admit it!  I am a little bit obsessed!  But after being horrified that Chrisco charges 28% more than Woolworths for the same hamper of goods (click here to see the post) I wondered whether Hamper King would be better value.  So I decided to do the numbers on Hamper King and find out.

I chose the ‘Traditional Feast’ Hamper with Hamper King (click here to see what it includes), which was the closest comparable I could find to the hamper I used for Chrisco.  The ‘Traditional Feast’ hamper is valued by Hamper King at $348 or $7.57 per week.  The methodology I used was exactly the same too.  I found out from the Hamper King website what was included in the hamper then simply went on to the Woolworths internet shopping […]

By |December 15th, 2013|Christmas|15 Comments

How to Outsmart the Supermarkets and Save Big on Your Weekly Shop – Guest Post

                                                                                                                                                                         Written by Cassandra from This Is Wellbeing

Are you fed up with the amount you spend on groceries? Me too! I refuse to accept that prices are rising and am determined to take control of my weekly spend!

My grocery shopping has always been reactive and mindless. I go to the supermarket on autopilot and buy what I think I need. This usually results […]

By |November 25th, 2013|Budgeting|9 Comments

Chrisco Hampers: Are They Good Value?

To be honest, I have always wondered whether it is worth purchasing a Chrisco hamper.  Every year around Christmas time when the glossy Chrisco TV adverts appear, I wonder whether it would work for me and my family.  You see, there are many parts of the Chrisco concept that really appeal to me.  The simplicity of choosing your hamper at the start of the year, then making automated payments weekly/fornightly or monthly and then ‘ta da’ a bunch of branded food products arrive at your door just in time for Christmas.  It does sound like it takes some of the hassle out of Christmas.  Yet, I have never done it.  So this year, I decided to do the math and figure out whether the value really stacks up.  This is how I went about it and what I found out.

I went on to the Chrisco site and I chose the […]

By |November 21st, 2013|Christmas|65 Comments

Is Costco Membership Worth It?

For quite a while I have been wanting to check out a Costco store.  They promise big savings but I find it hard to stomach the concept of paying a $60 yearly membership fee for the privilege of shopping at their store, without knowing whether the savings stack up.  After much consideration, I decided to take a leap of faith and sign up for a year to find out what all the fuss was about.  So I powered off down Parramatta Road, handed over my cash and added an extra card to my wallet.  But the big question is was it all worth it?

In a word, I think, yes.  But let’s start at the beginning first.  For those who haven’t been Costco it is true American shopping experience.  Everything is super sized!  In terms of the store itself, think Bunnings with food!

But it is not just food you can buy […]

By |July 10th, 2013|Budgeting|47 Comments