I just upgraded my Amazon Appstore on my android and got my 500 coins



From amazon website:
http://www.amazon.com.au/gp/feature.html/ref=pe_1062052_171209412_pe_ecg/?docId=3078429016&ie=UTF8

How do I Spend Coins?

You can spend Amazon Coins on the Appstore on your Kindle Fire, Android device or on Amazon.com.au. Explore great apps and games on the Amazon Appstore.

Where to buy Opal cards -->  Opal retailers


News Update: 09-Sept-2014
----------------------------
Sydney Morning Herald publish on their paper that even the Transport Minister  ( Gladys Berejiklian) has backed commuters who manipulate their travel to get the best deal out of their Opal card, potentially saving them, and costing the government, hundreds of dollars a year.

Read more: http://www.smh.com.au/nsw/transport-minister-backs-commuters-who-beat-the-opal-man-20140908-10dv5f.html
 ----------------------------


This article was originally posted on 2-Sept-2014




Main goal is to travel short trips from Minday to reach 8 trips as quickly as possible so that all travel after 8 trips is free until Sunday.


Example:  Weekly Train fare using MyTrain: $35.00 weekly (Rockdale to Town Hall / 14kms )


Opal rules:
-  Free trip after 8 trip starting on Monday.
-  You can travel to multiple station within an hour for a single fare/trip
-  Maximum you will ever get charged per day is $15.

To save money using opal is to travel at least 3 trips a day but make sure you are going to travel at least 4x a week so you can complete the 8 trips as soon as possible.
You may not be able to save is are NOT travelling from Mon-Fri or think that you cannot reach 8 trips for the week.

Here is how you can save money using Opal.


If I am using MyTrain weekly - I pay $35per week.
- the travel in the morning ($2.87) is OFF-PEAK price if you enter the station before 7AM


Normal trip per day: (home-->office-->home)
DAY            To work   Lunch    To Home
Monday:        $2.87                    $4.10
Tuesday:        $2.87                    $4.10
Wednesday:   $2.87                    $4.10
Thursday:      $2.87                    $4.10
Friday:           FREE                   FREE
Saturday:       FREE                   FREE
Sunday:         FREE                   FREE

Total Cost per Week: $27.88   (Still cheaper than MyTrain $35 weekly)


If I travel during peak hours in the morning and afternoon  ($4.10 one way trip  x 8 trips = $32.80 per week). I still save compare to $35 my train weekly plus I get to travel free from Friday-Sunday.



Traveling three trips a day:
DAY                To work   Lunch      To Home
Monday:          $2.87       $2.31       $4.10
Tuesday:          $2.87                       $4.10
Wednesday:     $2.87                       $4.10
Thursday:        $2.87                      FREE
Friday:             FREE    
Saturday:         FREE             
Sunday:             FREE

Total Cost per Week: $26.09


Travelling three trips a day:
DAY               To work    Lunch      To Home
Monday:         $2.87       $2.31         $4.10
Tuesday:         $2.87       $2.31         $4.10
Wednesday:    $2.87       $2.31        FREE
Thursday:        FREE    
Friday:            FREE    
Saturday:        FREE             
Sunday:          FREE             

Total Cost per Week: $23.74


The farther you are from the city, the more you save.


Suggestion:
- Travel single trip on train or bus during lunch break to the next station and walk back to your office.
- If you are short on time, take the train back to your station within 1 hr and you will only be charge as single trip.



Two benefits:
1. Short trip on train or bus means paying lowest fare that will help reach 8 trips as quickly as possible.
2. Gives reason for you to excercise (walking).


See you at the train station during lunch break :-)



SMH just publich yesterday on their news paper that even the Transport Minister has backed commuters who manipulate their travel to get the best deal out of their Opal card, potentially saving them, and costing the government, hundreds of dollars a year.

Sharing information about savings, tips and tricks.

- I will keep adding on the list for new saving tip and tricks.


Haircut:

• Boy Kuripot tip of the day: Cheap Haircut from $6.00 for men / $8.00 for women

Bank accounts: 

• Highest kids savings interest --> bankwest Kids' Bonus Saver
• Ubank Usaver online account - 5.71% interest (including bonus interest) - posted in 2012

Credit card:

• NEVER pay annual fees on your credit card

Train Fare:

• How to save on Train Fare (MyZone) - Obsolete

Phone:

Hungry Jack's Voucher Expires Oct_06_2014 






Print out the voucher (download the image above) or save it in your mobile phone.
They "sometimes" allow you to claim the promo by showing the voucher from your mobile phone.

You can try visiting their website for available vouchers -->  Hungry Jack's


You can also install their apps on your phone and do the shakey thing and see if you can get any free item.


Tip:
- Buy "small" size drinks only as it is refillable. Refill it before you leave.

Address:   1 Diment Way Hurstville, NSW 2220 (In walkway opposite Hurstville Station)

- From Hurstville train station, cross the street (Forest Road) and turn right towards StoKland. Turn right on the walkway/lane and you will see the Shop name  888

- Don't expect too much at this price.

- Chinese hairdresser / speaks little english / use sign language hehehe...

- Usually have a long queue on week ends but don't worry, it only takes about 5-10mins to cut your hair




Tip:
- Take a selfie when you had your hair cut done and show to them as most of them speak little english, else use sign language :-)

Map location:
http://www.whitepages.com.au/business-listing/888-hair-salon-1344564/hurstville-nsw

Boy Kuripot tip of the day: Bank accounts / Credit card

* Don't pay monthly fees on bank accounts

- most banks waive their monthly fees if you deposit 1k to 2k monthly.

- It doesn't say you are not allowed to spend the money that you deposit. You can spend the money next day.

- don't worry if you don't have monthly income to deposit or does not have 1k-2k to deposit. You can recycle your 2k.  Deposit 2k for the month and withdraw the money before the end of the month and use it as a depositfor next month and repeat.

* Open kids savings accounts. It has higher interest rate than online savings account.
http://yzzymae.blogspot.com.au/2014/08/highest-kids-savings-interest-bankwest.html

* Get credit card with NO annual fee
http://yzzymae.blogspot.com.au/2014/08/i-tried-coles-credit-card-and-bankwest.html

Bankwest kids saver so far has the best interest rate I could find for kidssavings.

Non-taxable as long as it does not earn more than $416p.a.
https://www.ato.gov.au/Individuals/Families/Investing-on-behalf-of-children


Link:http://www.bankwest.com.au/personal/savings-term-deposits/savings-accounts-term-deposits/kids-bonus-saver


Catch:
Every year, the entire savings will be transferred to Children’s Savings Account with lower interest rate.

What I suggest is to transfer the savings to another savings account (preferably online savings account as it has higher interest rate). I would suggest to look at Ubank for its high interest rate and flexibility to move in/out the money freely. USaver + Ultra has 4.17% interest rate as of this writing.
https://www.ubank.com.au/savings-accounts

Another option is to automate/schedule transferring at least $50 every month from children savings to Kids Saver account for the entire 12 months.


If you find better interest rates, let me know :-)

Voucher can be found on Woolworths Fresh magazine available free at Woolworths/Safeways Stores

Or you can download and print the vouchers at http://woolworths4.smedia.com.au/Olive/AM3/Fresh/   (page 34-44)

Valid from 29/08/2012 to 30/09/2012

Use code "69199" 


50%* Off Menu Price on Value Range, Traditional & Premium Large Pizzas. Pick Up only. Quote code: 69199. Valid until 9/9/12. Online only. Selected stores only. Excludes Cheaper Tuesday, Supreme on White at $6.95 and any other pizza vouchers or promotions. Normal surcharges still apply.

NRMA/RACV Members will receive $200 cash in their Bell Direct account.

- open a new trading account with Bell Direct and place your first trade.
(NRMA/RACV Members who are already Bell Direct clients are not eligible for the $200.)

Once your trade settles, we'll then give you a one-off $200 cash deposit in your trading account which you can use towards brokerage fees or the purchase of shares.

https://www.belldirect.com.au/nrma