G'day all, today I'm going to share with you how you can shout your family\friends and colleagues a free coffee or hot drink!

The Coffee Club VIP Card Application link: https://www.coffeeclub.com.au/vip-club/

The Coffee Club VIP club card comes with the following benefits:

1. Buy one get one free for all hot drinks all day every day

2. 10% off all food and other drinks on Monday - Wednesdays

3. Swipe your card in store for a chance to win prizes valued up to $1,000.

4. Receive discounts and special offers from your local store.

Wow all these benefits for $25 a year but why pay full price when using a Discount Code you can save up to 50%!!!!!

The current Discount Code for use in your "Application" or "Renewal" of The Coffee Club VIP card is:

10 Minute Money Menu!

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Shot via Pixel 2 XL.

Bundled 4 Money Saving Tips that I use in this 10 Minute Money Menu!

Menu items as below:

Birthday Freebies Australia: 0:47

Best Debit Card: 3:03

Cheapest Super Fund: 5:10

High Interest Online Saving Account: 6:36

DISCLAIMER: This Podcast is for general knowledge and entertainment purposes only and should not be considered as financial advice. You should research before making decisions. If you are unsure, you should contact a qualified financial advisor before making decisions.

Cheapest Australian Online Stockbroking Account (My Opinion)

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*5 X Free Trades* Join Now!

Referral Link for Cheapest Australian Online Stockbroking Account Account: https://goo.gl/h4Wf8F

DISCLAIMER: This Podcast is for general knowledge and entertainment purposes only and should not be considered as financial advice. You should research before making decisions. If you are unsure, you should contact a qualified financial advisor before making decisions.

Correction : *Page 75 of Money Magazine Best of The Best*

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High Interest Savings Account For Australians

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DISCLAIMER: This Podcast is for general knowledge and entertainment purposes only and should not be considered as financial advice. You should research before making decisions. If you are unsure, you should contact a qualified financial advisor before making decisions.

Referral Link for Selfwealth Account: https://goo.gl/MHAQdc

I have used this FREE Online Saving Account for more than 20 years!

Money is safe and secure and has very efficient transfer from one account to another. I see it regularly in top 5 paying Online High Interest rate accounts in all charts.

So, for most of us this money just sits in a savings account and we wait for its need. Why shouldn't this money grow as well? While we can invest it conservatively, we may just want the option of a high interest online savings account.

Secret Santa Kris Kringle Best Present Ever!

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In this Podcast I'm going to tell you the Best Secret Santa Kris Kringle Present Ever!

You Want to know the Best Secret Santa Kris Kringle Present Ever!?

It does not matter if your budget is $5 or $1000, this Secret Santa Kris Kringle Present will still be the Best Ever!

Merry Christmas to all!

Contributions Info to PLANTONE:

Biller Code: 58560

CRN: 350018300257910

DISCLAIMER: This Podcast is for general knowledge and entertainment purposes only and should not be considered as financial advice. You should research before making decisions. If you are unsure, you should contact a qualified financial advisor before making decisions.

Australian Stocks I Invest In!

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DISCLAIMER: This video is for general knowledge and entertainment purposes only and should not be considered as financial advice. You should research before making decisions. If you are unsure, you should contact a qualified financial advisor before making decisions.

When I was time poor and had little knowledge of the share market, this is where I invested my Money in the Australian Stock Exchange. Have I profited? Yes Yes Yes.

Cheapest Australian Online Stockbroking Account: https://youtu.be/Vdc0Yq_kL-o

Pros and cons of dividend reinvestment plans (DRPs)

https://goo.gl/yuHv5v

Links to Research yourself:

http://www.afi.com.au/

https://www.argoinvestments.com.au/

Barefoot Investor Book: page 152, under the chapter "Step 5: Supercharge your wealth".

And again on page 173 under "How to be a hero - investing for your kids (or grandkids)"

Furthermore: https://goo.gl/a2K9q1 and https://goo.gl/L8WPb8

Cheapest Super Fund? Subscribe: https://goo.gl/vvWZTw

Join Super Fund Link: https://goo.gl/aUgNqg

DISCLAIMER: This Podcast is for general knowledge and entertainment purposes only and should not be considered as financial advice. You should research before making decisions. If you are unsure, you should contact a qualified financial advisor before making decisions.

This is the Super Fund I use after reading Money Australia Mag 2018 and Scott Pape's Barefoot Investor book. Low fees and good returns.

High Interest Savings Account For Australians: https://youtu.be/UAYzmmWiv3c

Best Credit Card for Overseas Travel and Online Shopping spend for Australians! https://youtu.be/ihKEu8_ZhjM

Best Debit Card for Overseas Travel and Online Shopping spend for Australians! https://youtu.be/h7OoJD_Kho8

Salary Sacrifice Hack

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DISCLAIMER: This Podcast is for general knowledge and entertainment purposes only and should not be considered as financial advice. You should research before making decisions. If you are unsure, you should contact a qualified financial advisor before making decisions.

Correction: * The Salary Sacrifice date ends on the 31st March each year *

Superannuation Account: https://youtu.be/Y2_V23Tmja8

Salary sacrificing helps you to increase your retirement savings and at the same time reduces your tax payable.

The greater your salary the better the tax saving you will receive from salary sacrificing.

Best Debit Card for Overseas Travel and Online Shopping spend for Australians! (My opinion only)

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DISCLAIMER: This Podcast is for general knowledge and entertainment purposes only and should not be considered as financial advice. You should research before making decisions. If you are unsure, you should contact a qualified financial advisor before making decisions.

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I have used this card for the last 10years+ and found it to be the best for the following reasons:

You withdraw money from any ATM overseas and are not charged a Citibank fee or FX transfer fee

Pay no account fees or transaction fees with a Citibank Plus everyday account.

Get a free Citibank Debit Card, with contactless payment, so you can shop online, in-store or overseas using your own funds.

Several ATM operators in Australia now offer fee-free withdrawals. Please ensure you check the ATM for any fees before completing a transaction

Access your Citibank Plus account online (desktop, tablet and mobile), through 24/7 phone banking, or at any Citibank branch or Australia Post.

Pay $0 Citibank fees for any overseas ATM or in-store transactions.

Fee-free international money transfers to any bank, anywhere.

Enjoy free, instant money transfers to Citibank accounts, in selected countries, via Citibank Global Transfers.

Receive a free bottle of wine from award-winning wineries every time you dine at any Citibank Dining Program partner restaurant and pay with your Citibank Debit Card

https://www.citibank.com.au/aus/banki...

REFERENCE: https://www.australianfrequentflyer.c...

Best Credit Card for Overseas Travel and Online Shopping spend for Australians! (My opinion only)

Subscribe: https://goo.gl/vvWZTw

DISCLAIMER: This Podcast is for general knowledge and entertainment purposes only and should not be considered as financial advice. You should research before making decisions. If you are unsure, you should contact a qualified financial advisor before making decisions.

I have used this card for the last 20years+ and found it to be the best for the following reasons:

No Annual Fee

Accepted most places being a Mastercard

No fees for Overseas online shopping

No Foreign transaction fees

No International currency conversion fees

Up to 55 days interest free on purchases

Free Worldwide replacement

Special offers exclusive to Mastercard cardholders

Free concierge service to help plan your next holiday

Uses the Mastercard exchange rate which is very close to Xe.com rate.

Google Pay(Not advertised on website and Live chat was unable to confirm but I have it on my phone!)

Samsung Pay

Apple Pay

Barefoot Investor recommended.

All credit cards have negatives and the following are for his card:

No rewards points for Frequent Flyer programs or products.

Have been known to provide an initial Low Credit Limit

Bpay fee for paying off the card balance

Best to pay card balance via My account--- "PAY MY ACCOUNT" --(From My Bank Account) on the card website to avoid any fees.