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

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? 

Sunday, July 19, 2015

What does $30 get you on Australian Pre-Paid Telstra Vodafone and Optus

There seems to be a very hot market nowadays with pre-paid mobile plans as people move away from the tradition of getting a phone with a plan.

Vodafone $30 pre-paid - PROS: Unlimited weekend data, international calls

Vodafone is offering unlimited data and free international calls to limited countries on weekends on their pre-paid service which costs $30 per month.

This also includes $450 worth of calls and 1GB of data for that month. However, there are some things you need to realise about some pre-paid services like the one I've just mentioned. For Vodafone, you are not able to select an automatic recharge at the end of your month. You need to manually log in or call up to recharge each month.

Also, if you recharge, say, one week before your credit expires, you are double paying for that last week because the expiry date starts from the day of recharge, not from the last day of your last recharge (if you still follow). Also, when we are talking about a MONTH, it's only 28 days for Vodafone. This means that over the course of one year, you will end up paying for an extra month.

Optus $30 pre-paid - PROS: Data rollover up to 10GB

Optus calls a month, 30 days which is better than what Vodafone does. Their pre-paid plan is also more generous with calls, giving you unlimited mobile phone calls and SMS/MMS. Their included data is also much better, with an allowance of 1.5GB per 30 days AND this rolls over to the next month if you recharge before your expiry data. There is a maximum of 10GB that you can roll over to the next month.

Optus $1 per day pre-paid

If you are not into the smartphone thing and you're happy to turn down your data usage to an absolute minimum, Optus has a $1 per active day plan. This gives you 30 minutes of calls each day (and if you go over this, they will just charge you another 50c for that day for unlimited calls). You also get unlimited SMS and 40MB of data to use each day. If you don't call, text or use data for any given day, you don't get charged for that day. This is great if you mainly use your phone to receive calls and make the occasional call.

Telstra $30 pre-paid - PROS: Credit rollover

Then there is Telstra, offering their $30 pre-paid service, also calling their month 28 days. They give $250 worth of calls and text with free calls to landlines between 6pm and 6am if you choose that bonus. Their credit, however, does roll over to the next month. There are other options but in order to compare relatively like for like, this is the closest pre-paid service that Telstra offers which is comparable to the other two.

An interesting thing about Telstra credit is that you can use it for purchasing items in the Google apps store or iTunes. Head over to this link to find out more about the various other things you can do with a Telstra prepaid sim, such as using Mobile Foxtel for the first month for free.

Other $30 options - Amaysim, TPG

There are other resellers like Amaysim who do a $30 prepaid service which gives you 2GB of data with an Optus connection, and 500 minutes of calls billed per minute with unlimited texts. TPG also has a $30 prepaid service which comes with unlimited calls and text and 1GB of data.

I would say the most generous plan would be Optus with their rollover of unused data a standout feature and unlimited calls and text with effectively 1 extra month of service over the course of a year compared to Vodafone and Telstra's plans. Also, if you hardly use your mobile, Optus' $1 / day plan is definitely the way to go.