Liquorland Specials Beer
Saving Tips
There are a number of small changes you can make in their daily lives. These may seem rather minor savings, but added together and applied them regular basis, can make a difference.
Using ATMs
If you are lucky to be with a bank that does not charge for using ATMs then good luck to you. For everyone else, there are several ranges of fees attached to the excessive use of ATMs – you could save a little each months watching their retirement and avoid those fees.
If your account has a limit on the number of ATM / EFTPOS transactions per month, the first advice is to try to stay within that limit ….. avoid such small transactions (ie, $ 20 – $ 50 extractions) and find you can manage better. It might be more easily removed a little extra money each time and store in a safe place so you do not be tempted to spend!
Other fees attached to ATM withdrawals occur when use an ATM operated by another bank. Most banks charge for the pleasure and convenience of withdrawing cash, so whenever possible, use your bank's ATMs.
The big banks charge about 30 cents per excess ATM / EFTPOS transactions and about $ 1.50 to use the services of a different lender!
Discount Liquor
Dan Murphy verification or a similar liqueur takes off on alcohol. Depending on the choice of beers, sometimes you can save about $ 10 for a carton of premium beer and about $ 5 a box for a carton VB or Carlton Draught. The same applies to wines and spirits and is even cheaper if bought in bulk. My wife as "Pink" champagne and if we buy a case of 12 (not the drink at one time), you can save about $ 2 – $ 4 per bottle in front of a liquor outlet regular … That's a savings of $ 24 – $ 48!
Consolidate and save
Do you pay insurance for a number of different companies? Well, if you approach your current insurer or any other insurer main prospective and call for the consolidation of its insurance (ie car, home and contents, life, etc) that is bound to get a pretty decent discount on your premium payments.
Companies such as AAMI, RACV and Allianz offers all types of insurance and will definitely give you some kind of discount when the consolidation of its policies. Insurance is a very competitive industry and that approach would be worth 3 to 5 companies to establish who can offer the best prices.
Pump Care
The day of the week, when you buy your gasoline can make a big difference. Studies indicate that in the capitals of Australia, petrol is cheaper earlier in the week. The previous post "The purchase of petrol" to provide statistics and charts indicating that the purchase of petrol on a Tuesday can save $ 260 a year! Together with the 4 cents per liter of shop-a-docket, and you could save about $ 360 a year!
Restaurants that offer BYO
Find restaurants that have a BYO and can save you big time.
Say you go out to eat twice a month and with every meal you enjoy a nice bottle of wine. Suppose a nice bottle of wine $ 15 pushes back his local bottle shop. That very nice bottle of wine, probably cost about $ 30 – $ 40 is a non BYO restaurant.
Yes, you can save $ 15 and $ 25 every time you eat out if you choose to BYO. Get yourself a couple of decent restaurants that BYO 're happy and you have saved between $ 300 – $ 600 in the cost of wine per year, depending on the number of times you eat out.
Indeed, a carton of Crown Lager can be purchased at special $ 40 a box to Dan Murphy, etc Liquorland, equivalent to $ 1.66 a bottle. The price varies from restaurant $ 5 – $ 7 …. you can do the math on that one.
Be a smart shopper
As for the special online before buying their food. When you know what to buy, always spent less. Try to do one big shop a week instead of several throughout the week …. it happens less. All the supermarket chains have promotion days – keep an eye on the commercials, or see junk mail "for this week's specials.
Whenever possible, to see if no name brand or alternative source is available. The quality is often just as good but the price is usually much cheaper. In addition, when you buy in bulk the item is in particular this would benefit from lower prices.
Another tip, do not go shopping when hungry, when all looks pretty good and you normally buy and spend more than necessary.
Consolidate your credit card debt
Are your credit cards out control? Do you have several credit cards with balances incurring excessive annual fees? Do you know what interest rate you are paying on each credit card?
You know what, you probably would be better if you consolidate your credit card debt on one card. Most lenders offer customers new ability to transfer existing debt to lower than normal interest for a specified period of time, say six months.
Go to www.cannex.com.au or www.infochoice.com.au where tables will help you choose a credit card that is right for you. When you are looking at these sites, think about what you want: ability to transfer balances to low interest rates, introduction of low interest rate, interest-free days, low ongoing interest rate, the program quality premiums related to their frequent flyer program, etc.
Remember one thing, it is usually the case that the bells and whistles more, payable in annual fees and interest rates.
Anyway, if you're determined to eat in their credit card debt and you're getting confused about how should be and what card it is time to consolidate and reimbursements serious factor in your budget.
Credit card debt is a costly debt and should be carefully monitoring and management as it may become out of control.
Negotiate on Utilities
Do you receive phone calls seeking Telstra or Optus secure your business? What about electricity and gas as energy providers or TRU origin? There are annoyed and hangs up, you could get a good deal if you listen, compare and negotiate?
We consolidated our gas and electricity a couple of years and saved. Then I got a call from a competitor offering a better deal. Do not want to go through the hassle of changing supplier, so we rang our new supplier, told them about the offer and asked them what to do. Not only coincides with the offer, the better.
Besides, it has consolidated our home phone, mobile phone and Internet account in a single package and ended saving about $ 50 per month compared to having three different accounts with three different suppliers. If you live in the right area, you can even include in the pay TV consolidation and save even more.
The utility market is a competitive space and acquisition of customers is very fierce. The companies will provide some qualities offers to obtain or maintain their business, it's up to you to negotiate the best deal possible by either pushing with your current provider for a better deal or see what the competition has to offer.
About the Author
Rhys Campbell is a qualified Chartered Accountant residing in Australia, with over 10 years experience in the finance / commerce industry worldwide. Rhys has ceated
EasyBudgeting to provide everyday people with a simple, straightforward and easy to use budget planner to help take control of personal finances.