sghetti » user profile

Member Since | 18/03/2016 |
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Last Seen | 2 hours 54 min |
Badges | 2 3 |
Location | Adelaide |
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Project Manager?

Nah with woolies you can split pay for everything checked out. Scan everything, then select split payment. You can then do multiple $0.01…

Family tax benefits and assistance payments will generally use adjusted taxable income which would add these sorts of contributions back.…

sghetti commented on Super Contributions to Reduce Tax Bracket?
Just putting this out there, child support, HECS etc. add any contributions like that back on, it doesn’t excuse you from those…

sghetti replied to
bokchewy on Kogan Credit Card: $400 Kogan Credit ($3k Eligible Spend 90 Days), 6 Months 0% BT, $0 Annual Fee, FIRST Membership @ Kogan Money

Interesting, I closed mine in November and just trying to reapply at the moment. I've never had any issues with ID verification on any…

sghetti replied to
Craze on Frequent Flyer Points / Any Other Credit Cards with a Bonus Scheme - Is It Worthwhile?

Definitely a slower churning process. But could technically churn to a new CC each 6 months, obtain the bonus offer then move to another.…

sghetti replied to
denhai on NAB Low Rate Credit Card: $400 Cashback with $5,000 Spend in 150 Days ($59 Annual Fee) @ NAB

The extra line is a little ambiguous. I assume opening this card alongside say a NAB Rewards Platinum would be fine then? I wouldn't be…

sghetti replied to
Bargainjustifier on Open a Westpac Business One Account, Deposit Min $100 in 1 Transaction within 10 Days, Receive $100 Bonus Deposit @ Westpac

> The $100 Welcome Offer will be provided by way of direct deposit to the newly opened Business One or Business One Plus account within 60…

sghetti replied to
stripe on CommBank Low Rate Credit Card ($6 Monthly Fee): $75 Monthly Cashback for 6 Months with $500 Monthly Spend

So you'd need to hold this card for close to 7 or so months to receive the last of the credits? So roughly $450 minus $42 in fees?

sghetti replied to
whatisk on Switch to Origin for Bonus Everyday Rewards Points: Electricity 20,000 Pts, Gas 15,000 Pts, Internet 25,000 Pts @ Origin

Yeah it’s super tricky to switch around this period. Some retailers hold back their price changes for a few weeks or a month. Pull in new…

sghetti commented on Switch to Origin for Bonus Everyday Rewards Points: Electricity 20,000 Pts, Gas 15,000 Pts, Internet 25,000 Pts @ Origin
Switched just over a month ago. All went smoothly, scheduled my internet to connect the day before my current ISP period ended. AFAIK they…

sghetti commented on SkyBus Melbourne City Express: $19.90 One-Way / $35 Return (Online & App Bookings Only) @ SkyBus
Thanks OP. Travelling to Melbourne in a fortnight and planned to take the SkyBus. Slightly cheaper fares now :)

sghetti replied to
samehada on NAB Low Rate Credit Card: $400 Cashback with $5,000 Spend in 150 Days ($59 Annual Fee) @ NAB

Existing NAB customers have no annual fee for the first year. Anyone can simply open a savings account and become a member. So $0 fee.

sghetti replied to
samehada on NAB Low Rate Credit Card: $400 Cashback with $5,000 Spend in 150 Days ($59 Annual Fee) @ NAB

Definitely better on the lower spending criteria. But it’ll take at least 6 months to obtain the credit from each month and you pay a $6…

sghetti replied to
frewer on NAB Low Rate Credit Card: $400 Cashback with $5,000 Spend in 150 Days ($59 Annual Fee) @ NAB

Generally not on most rewards cards

sghetti replied to
USER DC on ANZ First Credit Card: $125 Cashback with $750 Spend in 3 Months, $0 First Year Fee (Then $30/Year) @ ANZ

I opened one of ANZs similar cards late last year, met the $1,500 spend criteria the same month. The $300 credit arrived towards the…

sghetti replied to
EFC94 on ANZ First Credit Card: $125 Cashback with $750 Spend in 3 Months, $0 First Year Fee (Then $30/Year) @ ANZ

Agreed. It won't make a huge impact, the most important thing is that repayment history is consistent, no defaults and no late…

sghetti replied to
jv on Disney+ Standard $4.99/Month for 4 Months (New and Eligible Returning Customers, Ongoing $15.99/Month) @ Disney Plus

It's on their homepage at signup, but you should also get an email if you previously had a subscription.

sghetti replied to
Buggy D Clown on ANZ First Credit Card: $125 Cashback with $750 Spend in 3 Months, $0 First Year Fee (Then $30/Year) @ ANZ

Applying for credit will affect your credit score, closing a card can sometimes increase your score. Too many applications in a short…

Amazon Prime depending on your circumstances. I use Prime Video a bit. I'll often find things I need on sale on Amazon that I've already…

sghetti replied to
VQLD on Looking for a New No Annual Fee Credit Card with Good Sign-up Bonus/Cashback

Depends on what you're looking to use them on. I redeem cards for groceries, so either Aldi or WISH/Woolworths cards. Guaranteed to need to…

Less and less people are carrying cash these days, definitely should be something accepted. But you risk losing a lot of sales these days…

sghetti replied to
alan737 on Looking for a New No Annual Fee Credit Card with Good Sign-up Bonus/Cashback

Wrong card, look at the Smart Awards card. https://www.commbank.com.au/credit-cards/smart-awards.html?ei=awards_sa_tellmemore

sghetti replied to
VQLD on Looking for a New No Annual Fee Credit Card with Good Sign-up Bonus/Cashback

My experience was very good, approved pretty quickly and was able to add to Apple Wallet before the card arrived. 21k points per $100 gift…

Depends on your regular spending. But the CommBank Smart Awards card has a signup bonus and can effectively be free: $19 per month fee,…


sghetti replied to
incipient on Bosch Series 6 French Door Fridge Stainless Steel 605L KFN96APEAA $1749.99 (Was $2399) Delivered @ Costco (Membership Required)

I'll alert you to a power outage so you can save your food

He needs the $9k prior to settlement for the deposit...

sghetti commented on [VIC, SA] 12-Month Gym Membership $149 Upfront or $9.95/Week Direct Debit, No Establishment Fee @ Derrimut 24:7 Gym
I recently signed up to my local on the $188 deal at Windsor Gardens, SA. I use it for a quick lunchtime workout location. It's VERY busy…

sghetti replied to
shutuptakemymoney101 on BYD Shark 6 Premium Finance for ABN Holders ($57,900 + On-Road Cost): $0 Deposit, 1.99% p.a. 36-Month Term @ BYD Dealer

This, it’s not every day. Have a caravan that I tow. Kids that play baseball and a ton of gear to carry around. No compromise on boot…
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