For those in Perth always looking for a better, faster, cheaper way

Friday, August 7, 2015

A warning about Woolworths Gift Cards

If you use your Woolworths / WISH cards on the Woolworths Online website, be warned that if you partially checkout and then change your mind, you could lose the money that you've applied to that shop. Maybe it helps to take you through a scenario. Let's say you order some meat online (eg $36 worth of Macro Chicken Breast Fillets Free Range min. 800g) and you click checkout, then you choose to pay $34 of it using your WISH card and you'll pay $2 more on credit card. You enter the gift card number and the pin, then you press SUBMIT. However, before you checkout and pay the extra $2 on card, you cancel the order. Maybe you change your mind to go to the store and get it.

You've just lost $34 from your gift card balance. Surely in today's world, the system is able to recognise that your purchase didn't go through and $34 will be added back to your gift card? Wrong.

Or maybe the gift card system does not allow credit to be added back to the card, so that $34 will be there when you log back into Woolworths Online for your next purchase? Wrong. 

OK so maybe Woolworths will send you a friendly email telling you about how you've lost $34, so here's a voucher to the value of $34 to apply to your next shop? No, wrong again.

You know when you go to a store and you drop a $2 coin in a crevice that even the store owner can't get to it. You've just dropped $34 down that online crevice and Woolworths will retrieve it later as an unspent gift card balance. So be sure you are ready to part with your gift card value when you click confirm because there is no going back, even though you haven't checked out.

So... what should you do if this happened to you?
Of course, there is one solution. Don't just take the hit. Call Woolworths Online and tell them what happened and they should issue you a voucher code to the value of the money lost (I would hope). Their helpline is 1800 000 610. 

Tuesday, July 28, 2015

Get 2% off Everything under $100 + $75 cash back

This article has been reposted with the updated offer because this is a perthhack that you can't go past. Sign up here to get $75 cashback

Transperth was the first company to introduce Perth people to the concept of tap-and-go with the SmartRiders. Now, that technology is available in most debit and credit cards. Ever the innovators with consumer products, ING Direct recently introduced an offer of 5% off all purchases under $100 made on paywave stations with their VISA debit card. 
  • The account costs nothing to run or open
  • It is not limited to existing ING direct customers
  • Withdrawals from this account from any ATM over $200, ING will credit you $0.50. Withdraw less than that, you get charged an ATM fee (around $2.50)
  • 2% only applies to purchases made by paywave or paypass (not swiping the card or inserting the card)
  • Only for puchases under $100 (you can split the payment into two or three transactions though)
  • You get 2% off purchases if you regularly deposit money into the account (eg salary, manual transfers from another account). The money doesn't have to stay in the ING account, it can be transferred straight back out afterwards if you want. 

Some places that are getting or have already installed PayWave include
  • IGA, Coles, Woolworths, BWS
  • McDonald'sRed Rooster, Sumo Salad, Grilld, Pastacup, 
  • Bunnings Warehouse
  • Caltex/Woolworths 
  • Typo, The Body Shop, Cotton On
  • JB Hi-Fi
  • Dan Murphy's
  • Cabcharge
  • Event Cinemas

By now you will also know that paypass is used everywhere, some of which are called paypass, others called paywave. Paypass locations can be found here. If you got the ING Orange card, let us know your favourite stores that have Paywave/Paypass in the comments below, especially those little Perth favourites. 

Also, once you open an Orange Everyday account, you can also activate a Savings Maximiser account with little fuss. This gives you 3.5% interest which, if you are saving for a home loan, can give you much more than you're probably getting with other banks. If you are saving $150,000, 3.5% is equal to $5,250 every year! Follow this link to get an extra $75 cashback when you sign up.

Save even more with other everyday savings offers

Monday, July 20, 2015

What You've Missed with Coles/Woolworths Click and Collect

Whether you are on Centrelink or you are corporate high flyer, everyone has to do their groceries. The question nowadays is, how do you do your groceries? Of course there is the traditional way of shopping in person at your local supermarket. However, the supermarket giants have been offering two new ways to shop which are an answer to the internet shopping revolution upon us.

There is the delivery which is pretty self explanatory. You have your groceries delivered to your door around the time that you request them to be delivered from their website. Then there is the usual $100 minimum order if you want your shopping delivered which is a bit more than the usual weekly grocery bill for most households. 

However, many people have not taken up "click and collect". This is the service where you order your groceries online and the store will collate your order so that you can pick it up in store. Click and collect is free but there is a minimum order required. For Coles, the minimum order is $50 and for Woolworths it is $30. 

We have been using this service for quite a while with mixed results. Each time, it would take about 5-10 minutes of waiting around for the staff to get your order from the back of the supermarket. The advantage of this approach is that it even factoring in the wait, you do save some time and you don't buy a lot of the impulse purchases you normally end up with when you're cruising the aisles. Also, if they get the order wrong (which they do!) you can rectify it straight away. The other advantage is that we often receive more than what we ordered because when you order vegetables, fruit, meat or poultry, you pay for a minimum weight so the store has to supply at least that weight of the product. Often they would have to go significantly over when stocking the goods. For example, we ordered a 400gm steak and got a 600g steak for the price of 400gm. There is also no need to wait around for the delivery driver. 

The disadvantages? You can't order online some of those markdown specials that happen when items are closer to expiry. Also, the terms and conditions for click and collect suggest that if you forgot to pick up your order, you could end up being fined! From the Woolworths website, we see this 

If you do not collect your grocery order within the booked collection window then we may charge you a fee of up to $25 and and the cost of any perishable items (e.g. fresh fruits and vegetables) will apply. In this instance, we will endeavour to contact you or you may contact us to arrange for collection at a different time, and we may charge you an additional fee for that replacement order.

So having said all that, how will you do your next grocery run? Are you going to click and collect? Or are you sticking with the traditional pick and pay?