- #1740794paulinemMemberMember since: July 8, 2006
Replies: 1106paulinem January 15, 2020 at 7:26 pm
Bryan I agree with huiatahi, re credit card, get rid of it as it is very tempting to go into debt you dont want by buying stuff on credit which as a grownup you dont need. We also had a credit card and was continually worrying about the monthly payments etc for the card as with our CC it was very easy to spend on what you really dont need. Before my husband retired and we had a little more income than the super I cancelled the CC. But I was to find in doing so that the bank expected me to pay quite a bit extra to do so 🙁
Like huiatahi, we now have a debit card, which you can still use to pay things in the same way as you can with a credit card. BUT Bryan as huiatahi correctly said only if there is enough real money in your bank acc to meet the debt you want to pay.
Of interest we every super day arrange for the bank to take money out of my acc and put into another acc attached that I had opened previously just for my direct debit payments of my regular monthly debts such as power, council rates ( paid monthly)as is our insurance acc. Also our sky and internet acc. This works good as long as I keep and eye on the money in the acc and the DD coming out. Also if there is a surplus of money in the acc ( ie the DD that month wasnt as much as budgeted such as power acc ) I can use this money to pay another annual acc such as regional rates, and also in this month I was able to use the small surplus in the acc to pay my husband and mine cellphone money required.#1740795arandarMemberMember since: November 23, 2009
Replies: 10841arandar January 15, 2020 at 7:33 pm
Huiatahi. Yep. That’s what we’ve done too.
Froze the credit card, got a debit card. Can still do all our online business, no interest to pay, no debt to worry about. No $$$ in the account, no buying from the account.
Thanks to our UBI, oops, whoops, I mean our universal superannuation, we live our lives with dignity and a few pleasures to brighten our days. And yes, despite our UBI, and being in our 70s, we still work, part time, and we still volunteer hours and hours of our time each week, and do family stuff.
Aren’t we lucky? New Zealand isn’t too bad for us oldies is it?
Arandar#1740803BryanMemberMember since: October 28, 2006
Replies: 12518Bryan January 16, 2020 at 10:06 am
Well I have found a CC with NO annual or monthly charges! Provided I pay the full amount each month. The moment it starts to cost me money is the time the chopping board comes out. It also has rewards on it so it works well for me. I’m sure the credit company don’t want me to use it the way I do but my heart bleeds for them.
At Home, At Peace and Causing Trouble In South Taranaki#1740807don021MemberMember since: May 15, 2012
Replies: 1847don021 January 16, 2020 at 11:02 am
I thought this country was governed by sensible thinking people, but the news this morning has certainly changed my thinking; White Island is to be opened up again for tourists.Utter madness, the place should never have been open to the public, now it seems money for tour operators takes precedence over human life. Criminal negligence seems to have no restriction, who in their right mind would allow people into the vent of an active volcano?#1740809huiatahiMemberMember since: March 22, 2017
Replies: 1060huiatahi January 16, 2020 at 11:18 am
It might have been opened up for business again but I wonder how many clients they get. It certainly wouldn’t be on mu bucket list
huiatahi#1740815gabyoneMemberMember since: November 13, 2008
Replies: 2803gabyone January 16, 2020 at 1:01 pm
I thought the tour company said they were re starting their tours to Whale Island which is not a volcano. While White was a big drawcard they also took tours to other areas.
Gabyone Auckland region#1740816gabyoneMemberMember since: November 13, 2008
Replies: 2803gabyone January 16, 2020 at 1:13 pm
Don021 :Here is part of the news hub report.
White Island Tours Limited has recommenced its tours to Moutohorā/Whale Island for the first time since the December 9 Whakaari/White Island eruption that killed 18 people.
CEO Tracey Hook says despite the continuation of the tours being a positive step forward for staff, it will also be “a sombre and emotional occasion”.
White Island eruption: Tours to Moutohorā/Whale Island recommence for the first time.
Although no prohibitions were placed on Moutohorā following the devastating eruption, tours were temporarily halted as a mark of respect for the victims and their families.
“This is an important milestone for not just our staff but also the broader Whakatāne community,” Hook says.
“We thank everyone locally, nationally and internationally for their support. Our hearts and prayers remain firmly with the families who were and continue to be affected by this tragedy.”
Moutohorā/Whale Island is located roughly nine kilometres off the Bay of Plenty coast. The small isle is the remains of an eroded volcano, its last eruption believed to be in the Pleistocene (the Ice Age) roughly 2.5 million to 11,700 years ago.
The designated Wildlife Management Reserve is “a pest-free oasis” inhabited by a number of the country’s endangered plants, birds and reptiles.
Moutohorā tours take visitors through the regenerated native bush and to the island’s hot water beach.
Hope this clears things up for you Don.
Gabyone Auckland region#1740820jensMemberMember since: May 3, 2006
Replies: 7708jens January 16, 2020 at 3:31 pm
Amazing and encouraging!!!
At least those grownups still commenting on the savings issue even though reluctantly, and apparently seeing no real need for it – including paulinem despite the disappointment of apparently more opposition than support on “debt free credit” so far –
are actually economically responsible people who know that you have “to have” or save before you can spend safely.
But yes, there are people who for various reasons just do not manage to save a surplus for wealth creation.
So huiatahi, although you don’t need to be “preached” about saving yourself, why are you not an enthusiastic supporter of govt. organizing participation in wealth ownership creative saving by those that do not manage it with the money they receive ?#1740841Hero42MemberMember since: July 18, 2008
Replies: 12229Hero42 January 16, 2020 at 4:19 pm
The enormous Airbus Beluga XL finally takes to the skies
Check out the video
Just love the shape. Shame it is only for cargo.
Cheers 🙂#1740843Hero42MemberMember since: July 18, 2008
Replies: 12229Hero42 January 16, 2020 at 4:25 pm
I use a combination of online banking to check the balances everyday and a spreadsheet to check where my goes updated once a week.
If you check your balances every morning over breakfast or your first coffee / tea of the day you know how much you have to spend when you go out.
The secret to good money management and budgeting is vigilance and self control.
You must be logged in to reply to this topic.