Card Find 101
It's that time of the year again and I have been spending up big with my
low interest credit cards. I have signed up to their rewards program so I should have increased my points balance significantly. My
credit card companies regularly contact me asking if I want to increase my spend limit but i'm sure I would end up in debt if I had such a huge amount of credit waiting, yearning even, to be spent. However I do want to apply for a new credit card as my current one does not have any interest free days. If I managed to pay off any balance owing on a higher interest card within the interest free days period, then I would virtually have
interest free credit cards!
There are several cards I am thinking of applying for including the
Commonwealth Bank credit cards and
HSBC credit cards. The NAB visa mini is a very desirable card also but I am basing that entirely on its looks - I haven't even read about any of its features yet. My current rewards program is quite good and rewards me with gift vouchers, appliances, and magazine subscriptions, but I really want a Frequent Flyer rewards program so I can build up points for free flights. I do believe some
ANZ credit cards have this rewards program so I think they will end up being my number one choice.
Ninja Debt
This past year has been filled with expenses and it looks like i'm going to have to apply for some
bank cards to get through the debt. It was very sneaky debt as I had no idea it was lurking around the corner. There are sure to be some great
balance transfers offers around as the end of the financial year is nearing. This could save me a fortune in interest payments and I could be out of debt in no time!
Credit card debts are always a possibility if i'm not careful and don't pay off the transfer amount within the term though, so I might contact my financial advisor to see if my current financial situation will prevent me from keeping up with my payments.
There have been a fair few websites that have given me some great ideas on which cards to apply for and the
card services they provide. The following are my current favourites and come recommended by my financial advisor also:
- Credit Card Service - this site is great for comparing the different credit card services available.
- Online Credit Cards - a comprehensive guide to credit cards including a comparison page.
- Credit Card Companies - discover the many credit card companies and what cards they offer.
- Credit Card Deal - find a credit card deal to suit your financial situation and requirements.
- Rewards Program - this site compares all the different credit card rewards programs and includes any fees charged.
- Credit Cards Apply Online - the perfect site to apply online for credit cards.
I should take the time to thoroughly go through all the available
credit card services to ensure i'm getting the best available card but i'm just itching to go to the above websites and click the "apply now" button and apply for my
credit card online. Fortunately, I have to get some details from my accountant before I can apply which could be a blessing in disguise. I'll update this blog as soon as I have my finances sorted and can brag about my brilliant credit card rewards.
Soggy SIM
In all the rain we received recently, I was unprepared and became completely soaked from head to toe! Fortunately there was only one casulty - my
3G mobiles. I've had these for a few years now and have been meaning to upgrade anyway so it wasn't the disaster it could have been. I'm very keen to find a mobile phone with GPS, phone camera, and mp3 ringtones....a chic design wouldn't go astray either! There are many mobiles to choose from these days offering all those features and more, it's difficult to know where to start!
I'm currently using prepaid mobile phones but I think i'll find some capped
mobile phone plans with free phones this time. The $20 cap mobile plan with $50 worth of calls and texts looks perfect for me, and i'm happy to spend an extra $20 a month to pay off the mobile phone of my choice. I'm hoping to find a Nokia phone available on these plans but will happily opt for a Sony Ericsson mobile. This mobile phone drenching has perfect timing!
Labels: 3g mobiles, mobile phone plans
Financial Oops
Finances have got the better of me lately and i've found myself staring at different
personal loans websites dreaming of the possibilities. I've accidentally become emersed in debt and desperately need financial help so, with the help of personal loans, I think I can resurface and keep my finances under control.
There are so many personal loans available, I wouldn't know where to start! I'll contact my bank and financial advisor for some assistance to point me in the right direction. I've certainly learnt my lesson about buying too many diamond studded ski boots! Financial debt is not a fun place to be!
Labels: personal loans
Waiting...Waiting...Waiting...
I was twiddling my thumbs the other day patiently waiting in line at the bank to see someone about applying for
second mortgage loans. I had been standing there awaiting my financial services for approximately an hour now and was beginning to lose my mind! I mean, how long does it take to withdraw and deposit money??
I've got to set up my
online banking account as soon as possible so I won't have to go through such an endlessly time consuming and dull experience again. They could at least serve hot chocolate or give investment advice to those waiting in line. I would have even been happy to just browse through a real estate catalogue to keep me occupied.
I don't know much about
internet banking but I do know that you can bank online any time, any where, and there is no queue! Now thats how all banking should be! I shall set up my account tonight and should be in business by tomorrow.
I'm hoping a banking employee will read this blog and act on my brilliant queue entertainment ideas!
Tantalising Finances
"A tantalisingly triumph!" were my first words when I read about the new loans available from my loan company. In partnership with the local bank, they have come up with some great deals for a secured loan, personal loan,
unsecured loan, and many others. I am temped to take out a car loan to finally buy the vehicle I have had my eye on for years!
My financial advisor was also impressed when I informed her of the new loans available. She is going to visit her mortgage lender to discuss the possibility of transferring her loan to my company. I hope many others take advantage of these loans so the banks realise how popular they are and continue with such great deals.
Impressive Discoveries
Ahoy mateys! It be time to drop anchor and visit Woodport! This is the most glorious feat of lyrical achievement I have come across in my ten years of sailing. I can't begin to imagine how one could challenge these lyrics with some amazing websites or links. I did however, discover some very impressive websites the other day filled with heavenly links.
These websites include
Jean's which favours links to shopping and finance,
Kim's which leaves you wanting more after clicking on her real estate links, and
Will's website is a brilliant read I must say, with links to finance sites and articles.
