Subscribe
SmartyPig Social
- Follow us:
- Become a fan:
- Talk to us:
What We're Twittering
- @cpmcgrath Hi there, sorry for the delayed response. Have u still not received the email? If not, cld u please DM us your email address? ^RF
Home 
SmartyPig Blog
The SmartyPig Blog
April 21, 2011 • Posted by lizwhiteleySwapping Spending for Saving
So last week I told you all about the first bit of savings advice I got. You can read it here. It’s totally brilliant – I promise. So this week, I’m going to continue on with the theme, but this time take a slightly different, long and winding road. And that is… (long and quiet drumroll that I can only hear in my head)…
Savings lessons you learnt the hard way. Advice that your loving parents gave you is all well and good, but it doesn’t really compare to the stuff that you worked out for yourself, does it?
So here it is, hot off the press, from me to you (insert other tension building cliché here). Set and forget. Three incredible simply words – magic even.
OK, there is no actual magic way but automatic payments are the easiest way I’ve figured out in reality. Splitting that wonderful paycheck just a little, so that your savings never quite make it into your oh-so-tempting ‘Spending’ account.
Yes, the first week or two you do this hurts. You think, why is it that last week I managed to buy two pairs of brand new shoes and a skirt and this week I’m counting coins for my morning latte (or – for the not so shoe inclined among us, video games)? But the next week, you kind of just go on like the week before, and before you know it you’re thinking – “Shoes, what shoes?!”
Maybe this is an exaggeration. You’ll still be thinking about the shoes (or video games. No judgment here). BUT you’re probably less likely to whip out your card and cry gleefully “I’ll take a pair in both colours”. And then, after a few weeks you’ll look at that savings account and think “Hey – THAT’S where all those pairs of shoes went! Maybe next week I’ll buy a pair”. And the funny thing is, next week tends to come and go, and you forget that the money is there. That’s the brilliance of this ‘set and forget’ caper.
Now I know you’re probably thinking “yeah, yeah, Liz – the modern miracle of internet banking pretty much makes that glorious idea redundant”. If you’re struggling, there is nothing better than putting that ‘set and forget’ in a different account, that isn’t linked to your internet banking. (Like, for example, I don’t know, this cool little thing called SmartyPig?!). That way, there is no temptation right there, no instant transfer ability while you’re in the line to pay.
Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the Terms and Conditions and the Financial Services Guide before acquiring the product.
The SmartyPig account is a deposit product offered by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. ANZ is trading as “SmartyPig”. “SmartyPig is a Trademark of SmartyPig LLC, which is licensed to ANZ.
My First Savings Advice
When I got my first job – my Dad gave me a piece of advice that no matter how much I earn, I should always save 5% of my pay. Not for anything – just to save.
At the time I remember thinking how ridiculous it sounded – I was about to get my first weekly paycheck, and it was already burning a hole in my pocket. But after a few weeks of getting to the end of a paycheck and getting cash out at the supermarket so that I could get to the last $8 in my account, I decided that perhaps this savings caper had merit.
Since then, I’ve always tried to save a little of my pay. Some weeks that might mean the bare minimum, but other weeks that may mean more than normal. But I’ve always tried to make sure I save some of it. I’ve been reasonably successful at achieving this part, but this whole ‘saving for savings sake’ thing still doesn’t quite fit with me.
I like to have a tangible outcome for my goals. Be it a holiday, a new pair of shoes or a splurge on an extra special cheese (that’s right – shoes & cheese, my weaknesses). I then like to see a physical product of that goal – be it my holiday photos, the cute outfit I’ve planned, or the actual wheel of cheese (OK, alright, I’m sorry, I just really love cheese!).
However, in deference to my ever-wise Dad, I’m going to have a go at doing something that’s a little more challenging for me. I’m going to set up a brand new SmartyPig goal. And I’m going to call it ‘Saving’. I’m going to set the goal amount to the maximum ($100,000 – for those playing at home) and I’m going to put 5% of my salary in it. And I’m going to try really really really hard, to not mentally put that amount towards my house deposit – and just save.
As your new resident blogger I’ll keep letting you know how this brand new venture goes. And while I step away to set up my new goal, I’ll ask you to help me and each other out: What was the first piece of advice about saving you ever got?
Any advice does not take into account your personal needs and financial circumstances and you should consider whether it is appropriate for you. ANZ recommends you read the Terms and Conditions and the Financial Services Guide before acquiring the product.
The SmartyPig account is a deposit product offered by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. ANZ is trading as “SmartyPig”. “SmartyPig is a Trademark of SmartyPig LLC, which is licensed to ANZ.
New Year, New You.
January. So many good intentions, so little time. Question is, where do you begin? By the time you’ve joined the gym, signed up for the latest and greatest diet program, scored a few bargains at the sales and re-vamped your wardrobe, it really doesn’t bode well for clearing your credit card or kick-starting your saving program. Oh, and don’t forget those little unexpected new year contingencies that can spring up right out of the blue and deliver a knock-out blow to the financial solar plexus (did someone mention new tyres for the car?) Anyway, it’s times like this that you’ve just got to bite the bullet and do what you’ve got to do. Which means that maybe it’s time to prioritise your spending, but this time, really mean it.
First let’s face the facts. According to an article in The Age, collectively we now owe more than the economy earns in a year. Yep, that’s right, we’re effectively spending more than we earn as a nation or to put it bluntly, we’ve accumulated $1.2 trillion of debt, or about $56,000 for every Australian man, woman and child. How? Well it’s a combination of mortgage, personal loan and credit card debt that’s been fuelled by a “consumption at any cost” mentality. And if you needed proof, how’s this for starters? Last year alone we apparently spent around $3 billion (yes, that is billion) on big screen televisions. Getting the picture yet (well, at least it will be crystal clear on your state-of-the-art 52-inch plasma that’s effectively consumed your loungeroom!). Talk about keeping up with the Jones’.
So back to the task at hand. How to make all those new year’s resolutions come to fruition while keeping your finances – and your debt – in check.
- Prioritise your goals – personal, professional, social and financial – and work out a plan of attack for how you’re going to achieve them.
- Be realistic with your timeframes – you know what they say, it may not happen overnight, but with a little commitment and perseverance, it will happen.
- Assess your options – there might be a few ways to achieve your end goal, so explore the alternatives and assess what’s best for you. So, let’s say you want to get healthy. Do you really need to join an expensive gym when you can exercise for free anywhere and anytime just by investing in a good pair of runners (or walkers as the case may be).
- Resist temptation – despite what the glossy advertising might promise, if you can’t afford it and it’s not a matter of life or death, do you really need it?
- Always keep one eye on the bigger picture. Your goal – whatever it might be – is what will keep you focused. Never lose sight of it.
Ah the new year, so full of hope and opportunity. So what are you waiting for? Get out there and go for it!
Until next time
Team SmartyPig.
Solving The Last-Minute-Gift Dilemmas
How’s the shopping going? Run out of ideas, patience or money yet? (Oh, all three? Perhaps it’s time for a cup of tea and a lie down…). If you’re about to step into the parallel universe of last minute Christmas shopping be warned – it’s a nightmare out there! So, in the interests of saving your sanity and avoiding the inevitable Christmas melt-down, we’ve put our thinking caps on and done a little research for you. Just call it our path to Christmas salvation and it’s designed to help you navigate your way through the festive season and provide some tips to help solve some of your last minute gift dilemmas. Best part is you don’t have to actually get out of your chair to do it.
Ok, so there are less than two weeks ’til the big day. Got your list? Excellent. A budget? Splendid. An overwhelming desire to get this over and done with as quickly and painlessly as possible? But of course. So here goes:
- Give an experience that will last a lifetime. Check out www.freemanx.com.au or www.redballoon.com.au for a great range of ideas (at any budget) from cooking classes to V8 racing, skydiving, parachuting or swimming with the sharks. Whatever takes you (and your loved one’s) fancy. Choose to receive your voucher via email for printing and voila! You have an instant gift. (Didn’t even have to raise a sweat for that one or wear your comfy shoes!)
- What about a magazine subscription? Now this is a gift that keeps giving for 12 months! Just visit www.isubscribe.com.au, search for the magazine title you want, subscribe and let the Postie do the rest.
- Interested in changing a life instead? (and we’re not talking about clothes, shoes or the latest gadgets here!). World Vision offers an entire catalogue of smiles, each designed to share the love and bring a smile to you, your gift recipient and to someone, somewhere in an undeveloped country.
- Naturally, we’ve saved the best until last. What about a gift that will kick-start someone else’s goal or dream or life-long wish? We like to call it the Gift of Savings and all you need to do is purchase a SmartyPig Gift Card. If only everything in life was so easy. (And don’t forget, our monthly Twitter (www.twitter.com/smartypigau) giftcard giveaway is on at 3pm AEDST tomorrow – the 18th of December and we have a Christmas bonus to give away!).
You know, you don’t have to run yourself ragged doing the December Dash this Christmas. There is an alternative… just let your fingers take care of it for you.
Until next time
Team SmartyPig.
November And The Delights Of HECS
Ah November, it’s a great month to….
- finish school or uni (rejoice!)
- get a job (or at least start thinking about it)
- grow a mo for charity (if you can, though ladies, you might want to think twice about this one)
- do your Christmas shopping (how’s that Christmas list and budget coming along?)
- get ready for summer (isn’t it already here?).
Which brings us to our topic of the day: HECS. Yes, we can hear the collective groan from here. So to all those uni students gleefully welcoming the endless days of summer and putting off the inevitable – full-time work – until 2010, perhaps it’s worth thinking about how HECS may affect your income next year.
Now, there will be some out there who’ve taken full advantage of the Government’s 20 per cent discount to pay their fees up front. Not a bad option to take so bravo to you and enjoy a start to working life that’s free from at least one type of debt.
For the rest, reality may soon hit home. If you’ve deferred your HECS repayments and are about to join the ranks of the working man and woman, be prepared. HECS deductions kick in once your repayment income is above the minimum repayment threshold. In 2009-10, that magic number is $43 150 when you’ll be hit with four per cent of your salary in repayments. As your earning power and pay increases, so will your HECS repayments, eventually maxing out at eight per cent once you reach a salary of $80,137 and above. All sounds rather scary doesn’t it, especially when you’ve probably spent the last few years living on nothing but two-minute noodles and cup-a-soup and have been champing at the bit to earn some real cash.
But don’t despair, HECS is not all bad news and there are some positives. It may be a bit of a cliché, but you really should think of HECS as investment in your career and future. And in the grand scheme of things, it’s a relatively 'cheap’ loan that’s indexed to inflation (as at September 2009 that’s about 1.3 per cent)….and doesn’t attract interest. Now, hasn’t that put a different spin on it?
There are also ways you can lessen the pain of a HECS debt once you are working. You could make voluntary repayments (of $500 or more) after graduation and receive a very welcome 10 per cent bonus for doing so. So if you pay, say $1000 voluntarily, you’ll also receive a $100 bonus payment, reducing your debt by $1100. Nice. Only question is, how are you going to get your hands on a lump sum to make the payment? Well, you may get a bonus at work, money for your birthday or win tattslotto, but instead of rushing to the store, why not throw it straight onto your HECS debt. Or, here’s a crazy thought: why not set up a SmartyPig goal just for HECS? At the end of 12 months even just contributing the minimum $10 a month, you’ll have accrued a tidy sum which you can deposit directly onto your HECS debt and receive the bonus into the bargain. Easy, painless and we reckon you’ll hardly even notice the monthly deductions…but man what a difference it could make.
You know, the prospect of facing any debt is hard to swallow, but probably never more than when you finally get your first “real” job and have money in your pocket. The challenge is to be smart about your cash, stay on top of your debts and keep life financially simple.
'Til next time
Team SmartyPig
PS – Don’t go forgetting, next Friday at 3pm AEDST (aka Melbourne time) we’ll be giving away 3 x $100 SmartyPig gift cards via Twitter. Make sure you’re signed up and have access to our page at that time! www.twitter.com/smartypigau
Saving: A Winning Strategy
Hold on to your racing hats ladies (and gents), spring is officially in the air. But before you head off to the track to have a flutter and try your luck on Race 5, Number 6, we thought we’d take a few minutes to check the form guide. Horses are one thing, but how’s the economy shaping up and what strategies can we use to stay ahead of the game?
Times have been tough, no dispute there. And although economists believe the worst may be over, we’re still in challenging economic times. Reserve Bank of Australia (RBA) assistant governor (economics) Phillip Lowe told a conference in Sydney recently, things were returning to normal. “There are certainly still risks and there are certainly still uncertainties, but not the same risks and not the same uncertainties that were there in the March quarter.”
But don’t get too excited, there is a down-side to all this crazy optimism. When the RBA feels that things are on the improve, chances are that interest rates will rise. Or, as Mr Lowe says, it’s “appropriate to return monetary policy to 'normal’”. And just in case you were wondering, that means there could be several rises in the next year or so, if we’re to believe everything we read. Just hope you’ve been putting all that cash you’ve been saving on your mortgage repayments somewhere safe.
What’s the solution? Sure, you could bet the house on that “sure thing” at Flemington on the off-chance that it’s your lucky day. Or you could take the 'no-lose’ strategy and start (continue?) saving.
In the latest issue of Money magazine (October), financial commentator Paul Clitheroe tells us how. (And while we’d love to provide you an online link to the article, alas, if you’re interested, you’ll have to buy the magazine. Clever people these Money folk. )
“In uncertain times we tend to become savers, not spenders and this has to be a no-lose strategy. As companies repair and rebuild their balance sheets, we should do the same. While many companies behaved badly during the boom, we individuals were hardly paragons of virtue. The growth in our average levels of personal debt, mortgages and general consumption got pretty silly. Two years ago, on average, we were spending more than we were earning. Today, we have become savers due to lower mortgage rates, petrol prices and more broadly because we have cut our spending.
Right now things do look better, but the economy is still fragile. My advice is to take advantage of relatively low unemployment, low rates of interest and bargains everywhere to ensure you spend less than you earn. Get rid of high-cost personal debt. Use the level of competition in the market for things like credit cards to roll outstanding debt to a lower rate and then pay it off.
If you are free of high-interest personal debt, get stuck into the mortgage. If this is under control, look at topping up your super via salary sacrifice, consider an investment property or buy a few shares.
All of these steps mean you will be protected if the economy takes a turn for the worse or, if as I expect, recovery is a drawn-out affair. You will be making financial progress.
If I am wrong and we do get a rapid recovery, interest rates will rise and having a lower mortgage and personal debts will leave you well-positioned. Out of the woods? In my opinion we are not there yet. But the great thing about saving and investing is that you win in any climate.”
Good thinking Paul, we couldn’t have said it better ourselves.
So as you study the form guide at the track this spring, take a tip from one of the world’s richest men and most successful investors, Warren Buffet (courtesy of the Barefoot Investor).
Rule Number 1. Don’t lose money.
Rule Number 2. Don’t forget rule number one.
Simple really. So now you’re on the savings 'horse’, why not stick to it? Chances are you will emerge a winner.
Until next time, keep saving!
Team SmartyPig.
Avoiding The Post-Holiday Bill Blowout
Back to life, back to reality. No more sipping cocktails by the pool, exploring natural wonders or visiting grand and exotic locations. Just ask the Pig. Yes, there comes a time when the holiday is really over and it’s time to face facts: the inevitable return to “normal” life. That’s the trouble with holidays, they always come to an end and before you know it, you’re back in routine with nothing more than a pile of dirty washing, a few souvenirs, a tan and a camera full of memories to remind you that it really did happen. And if that’s not enough to give you the post-holiday blues, just wait until your credit card statement arrives! Ah yes, if ever you needed reality to slap you fair and square in the face, this is the way to do it. Line after line of spending on absolutely, cannot live without, must have purchases, now laid before you in black and white. Ouch! And if you were lucky enough to be overseas at the time, chances are you’ll also be sucking in the joy of seeing the value of your purchases in Australian dollars (and depending on where you travelled, that could be a good or bad thing!) and the international exchange rate fees imposed by your friendly credit card provider on every transaction. Now that’s something that may not have been in your holiday budget.
But before you start hyperventilating, and reconsidering your next adventure, there are ways to avoid the stress of the post-holiday bill blowout. Isn’t hindsight a wonderful thing?
- Budget. We’ve raved on about budgets ad nauseum here at SmartyPig – but as they say, when you’re on a good thing, stick to it! Just remember to consider your post-holiday expenses in your budget too (for example, will the gas or electricity be due by the time you return?). And please, don’t forget to include any credit card repayments!
- Speaking of which, we all know travelling with a credit card makes life pretty easy, especially when you’re booking travel and accommodation online. But don’t let all your great savings work come undone on your return courtesy of an overstressed credit card. Where’s the fun in having a great holiday if you’ll still be paying it off for years to come, with interest? So if you must use your credit card, make sure you’ve budgeted enough to pay it all off when you return.
- To avoid using your credit card, why not investigate the options of a Travel Card (ie, a 'plastic’ prepaid Visa version of travellers cheques) or a debit card (linked to your savings account)? They’re a great alternative to keeping a handle on your holiday budget as you can ONLY spend what you’ve actually got. Check with your bank to find out more.
- Exchange rates. If you are travelling overseas, make sure you’ve got a reasonable idea of how much your purchases will be when they’re converted back into Australian dollars. Prices may look cheap in the heat of the moment, but by the time you work out the exchange rate AND add any fees and charges (if you’re using a credit card), how much of a bargain will you actually be getting? If you carry an iPhone, there are some nifty applications that can help you do the maths on the spot.
But that’s enough of the negatives. If you do a bit of planning, set a goal and a budget, and play your cards right before you leave, you’ll return after your grand adventure relaxed, happy, (hopefully) debt free and ready to start dreaming about the next one!
'Til next time,
Team SmartyPig
On Track And On Target For Christmas
All this talk in the team about Christmas has got us thinking. We know it’s supposed to be the thought that counts, but why do we always end up with at least one gift that’s destined for the cupboard, the garage or eBay? Especially at Christmas, have we lost the art of giving?
Apparently we have. According to a survey conduct in December 2008, nearly 72 per cent of people regularly receive a Christmas gift they don’t like. You’re not kidding. We did a quick Google search on the topic of “Worst Christmas Presents 2008″ and found over one million pages, and that’s just for last year! It seems that the proof is well and truly there that careless gift giving has become a common trend. So given times are tough for so many, we should probably start thinking before we purchase to ensure that every one of our precious gift giving dollars count and that the recipient doesn’t add the gift to the “Worst Christmas Presents” list for 2009.
Here’s a tip. Don’t leave your present buying until the week before Christmas. (And if you’ve ever worked in retail, you’ll be familiar with those people who come in 5 mins before closing time on Christmas eve attempting to shop). Limited time increases the pressure to buy and before you know it, you’re running through your Christmas list (and probably racking up your hard earned dollars) faster than a Master Chef in the pantry. Like any goal you set in life, a little research and planning in advance can prove invaluable in the long run. Yes, it’s only August but why not start making those Christmas lists now? Or really impress your friends and family and try making your gifts instead. It’s a bold ambition but one that would definitely earn big brownie points on Christmas morning. But a word of advice: if think you might need lessons on how to actually create that perfect gift, best sign up for a short course at your local TAFE or Adult Education Centre now.
We’ve thought of another option for you too. If a member of your inner sanctum is saving for something special and they’re already a SmartyPig convert, why not bypass the present process entirely and contribute the amount you had planned to spend to their savings goal? Or if they’re not already signed up but do have grand savings plans for the future, give them a SmartyPig Gift Card to get them started. No stress, crowds or pushy sales assistants to deal with. Easy.
Christmas really is just around the corner so we should all take a little advice from the Scouts and 'be prepared’. What are you waiting for?
Finally, a thought to send you on your way. Christmas in summer does have its pros and cons. But this year, we should all rejoice in the fact that a summer festive season might save us from the horror of unwrapping a Snuggie on Christmas morn. See, there really is someone smiling down upon us from up above.
Team SmartyPig
ps. A little passive-aggressive note for the mother of one of our team members: gifts are about the recipient, not the giver. If you’re going to ask what the receiver wants, don’t claim it’s “too boring” and buy pot plants instead…
Now’s The Time To Make Christmas A Breeze
We hate to be the ones to break it to you but there are only 143 days until Christmas. Yep, that’s right, the spending extravaganza that is the festive season is literally around the corner. Granted, it’s a big corner but we do have our reasons for ringing the yuletide bell, and it’s not an over-indulgence in Great Aunt Beryl’s punch. We reckon now’s a great time to buck the trend, be prepared and set your Christmas savings goals. Hey, the earlier you start, the less you need to put aside each payday!
Firstly, there’s nothing like a good statistic to set the scene. According to the Australian Retailers Association, retail sales in December 2008 reached a staggering $36.95 billion. And as much as we’d like to have faith that the average punter took the sensible approach by setting a budget and shopping with cash, the reality is that many were probably guilty of relying on credit or at least stretching themselves very thin, then waking up in January with the mother-of-all financial hangovers. Oh the memories. So maybe it’s time to learn from the Pig of Christmas’ past and start planning for the future.
A few things to ponder before you begin. Who’s on your Christmas list and what’s your budget? If you find your gift-giving habit is causing you financial grief it’s easy to take some pre-emptive measures now.
- Cull your list (it’s just a suggestion!).
- Embrace the office ritual of Kris Kringle amongst family and friends. Who needs all those presents anyway?
- Consider going DIY and cut your costs by making gifts – you have a good few months to master your nan’s jam recipe after all.
Of course, we’ve saved the best suggestion until last – once you’ve worked out your budget, why not set up a Christmas goal with SmartyPig? Just to get you thinking, if you save $25 per week for the next 20 weeks, you’ll end up with 500 bucks in your Christmas kitty and that’s without including the interest we pay on top of your savings. Or choose to take your savings in a gift card from one of our Best-in-Class Retail Partners and you’ll receive another 4-8%* on top! Imagine the joy, happiness and, let’s face it, the total relief you’d feel if you didn’t have to worry about money at Christmas, or need to spend the new year paying it off.
While you’re there, consider putting a little something aside for yourself, too. After all, boxing day sales are the hair of the Christmas dog!
So follow the SmartyPig road and come December, Christmas really will feel like, well, Christmas.
Team SmartyPig
*Extra percentage is distributed as added value on the gift card with the retail partner of your choice. Actual percentage varies between retailers. Please visit the 'stop goal’ page within your SmartyPig account to see the actual percentage given for each retailer.
Instant Gratification – how big is your TV?
Just wondering, how big is your TV? It’s amazing how there’s this perception out there that the size of your TV (and, come to think of it, how thin it is!) now seems to speak volumes about you. It doesn’t seem to matter how big your home is, how much space you’ve got to keep it, how many languages you speak, that you went bungee jumping with the Pope back in his youth… or if you can actually afford the telly anyway – it’s all about “the TV”. That, and keeping pace with the latest, greatest technology that your best friend/colleague/class mate/cousin/next door neighbour has. So sign up, sign up and move with the times. Rent, borrow or use the credit card, but whatever you do, don’t be caught out with an antiquated analogue TV from the last century!
This got us thinking. What’s with this current culture of instant gratification and why are we so reluctant to wait – and save – for the things we really want? We’re not talking about the big ticket items here – the house, car or overseas holiday – but those smaller items on our wish list (like the new TV) that we convince ourselves are absolutely essential to life and simply must be acquired now, regardless of how we get them (within the bounds of the law of course!). How easy it is to just pull out the credit card, sign up for a store card or enter into a finance arrangement which offers a hard-to-refuse interest-free period? Without even raising so much as a sweat, you’ll soon be sitting back enjoying your surround-sound cinema experience. Except for that tiny matter of actually paying for it. So to avoid the debt trap, ask yourself, can you pay off your credit or store card before you’re charged interest? Will you pay off your loan BEFORE the interest-free period expires? Honestly? If the answer is no (or perhaps, or possibly), maybe you’d do best to find another option.
As one of our dad’s used to say – if you want it so much, then *why* is it not worth saving for?
Isn’t that a novel thought? Why not go old-school and save the money first? That way, you know that once you leave the store, that big-box-full-of-tv-dreams is 100 per cent all yours.
Shameless Plug Time
All you need to do work out your budget, add a new savings goal in SmartyPig and you’re on your way. And with our great interest rate, you might even get there even sooner that you think! Once you’ve reached your goal, you can receive even more bang for your buck by redeeming your savings (plus interest with a value boost) on a gift card from one of our best-in-class retailers. (Just don’t forget to check out the incentive rates and card terms on each one before you redeem.) With JB Hi-Fi, Myer, David Jones and Harvey Norman to choose from, chances are you’ll find exactly what you’re looking for.
It’s a no-brainer really. All you need to do is give credit the flick and start saving instead. You’ll be in the digital age before you know it.
Enjoy the show!
Team SmartyPig
