Money Savings Tips

Saving Money | Products & Services I personally Use

For Microinvesting: Spaceship Voyager

Do you want to invest in companies like Apple, Amazon or Netflix?

For as low as $5 you can invest to these companies.

But wait. There’s more. You can have a bonus of $5 invested on your account when you enter this code during signup - S8CQ1MTTYB

Portfolios to choose from:

1. The Universe Portfolio invests in Amazon, Apple and Disney at the time of writing.
2. The Index Portfolio invests in Amazon, Apple, Disney and Netflix at the time of writing.

For Electricity:Powershop

$100 off your energy bills by switching to Powershop
+ Additional 15% when pay upfront for ‘packs’

Powershop App analytics is great!
✅ Tracking electricity usage in costs per day or the total kilowatt hour (kWh) used per day
✅ Purchasing ‘Powerpacks’ at any time
✅ Receiving notifications of energy bill due dates
✅ Managing account details
✅ Viewing usage history and rates

For Remittance 1st Choice: Transferwise

✅ GDPR compliant (for strong privacy)

✅ Cheapest and fastest (using PayID)

✅ pay using Apple Pay

For Remittance 2nd Choice:ORBITREMIT

I’ve been using OrbitRemit to send money abroad. It’s really easy, you can do everything online and it’s up to 80% cheaper than using the bank! Sign up now and make it count with a free payment.

According to OrbitRemit support, as a company registered in NZ, Australia and the UK, they comply with the privacy regulations of these countries and as per their terms and conditions, they value the privacy of our customers.

In the UK or EU, when it’s about privacy you talk about (GDPR Compliance)

see other cards and products I use

Comments

Novated Lease Calculator - UPDATED!

DOWNLOAD -> CALCULATOR: Novated Lease vs Car Loan vs Cash Purchase You can download and share this article and please don't forget to hit the like button as well. Enjoy shopping for your new car! Password = check the comments section below. please leave your comments if you like it DISCLAIMER: The information in this website and the links provided are for general information only and should not be taken as constituting professional advice from the website owner The calculators and tools on this website are provided for your information and to illustrate scenarios. The results should not be taken as a substitute for professional advice. All reasonable care has been taken in preparing and designing the calculators and tools; however, ASIC provides no warranties and makes no representation that the information provided by the calculators and tools is appropriate for your particular circumstances or indicates you should follow a pa...

Novated Lease vs Car Loan vs Cash Purchase

You could have been searching for a sample Novated Lease calculator or illustration that you can use to compare versus a typical car loan or a straight-forward cash purchase. Below is a sample comparison. Those ones in yellow, except for the 'annual salary' which you should be providing to leasing company, will be provided by the same leasing company. You can play around and replace the values as you please. Those ones in 'orange' can be changed as well on the Car Loan and Cash Purchase options. sample comparison For the car loan option, you can change the values for the 'Loan Capital/Car Purchase' and 'Interest Rate'. You should be able to provide this by asking a car dealer and/or bank where you will avail of the loan. For the car purchase option, the 'Opportunity Loss Rate' can be optionally supplied. You can supply a value that may be equivalent to the ongoing bank interest rates or any investment tool interest ra...

Novated Car Leasing Myths What is Novated Leasing? A novated lease (colloquially know as ‘salary sacrificing’) is basically a three-way agreement between an employer, an employee and a finance company. The employee gives consent to “sacrifice” some pre-tax salary to pay for their vehicle. The employer agrees to make the payroll deduction on the employee’s behalf. The finance company sets up the deal and handles administration. If the package is structured intelligently, at the end of the term all the employee needs to do is hand the keys back and decide what car to buy next. Novated leases are a popular form of cost- and tax-advantaged car financing and the government estimated that there are approximately 320,000 drivers in Australia who are currently salary sacrificing a car. “Even if you use your car exclusively for private purposes, the government gives you an 80% concession on the FBT. It’s a significant benefit,” explains Bill Baker from novatedleasing.com.au . “Whe...

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