Money & Banking

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Bank programmer jailed after stealing $1.4 million from ATMs

<p>A bank programmer in China has been jailed after stealing $1.4 million in cash.</p> <p>The theft was due to Qin Qisheng noticing a loophole in Huaxi Bank’s system back in 2016.</p> <p>As the 43-year-old worked as a senior programmer at the bank, he came to realise that withdrawals that were completed close to midnight weren’t being recorded properly.</p> <p>After realising this, Qisheng inserted scripts into the system so he was able to “test” the issue without alerting staff.</p> <p>He then made test withdrawals of 20,000 Yuan (AUD$4194) to a dummy account for almost a year before being caught. By January 2018, he had withdrawn almost 7 million Yuan (AUD$1.4 million) without notifying anyone what he was up to.</p> <p>He was caught after depositing the funds into his own bank account, as well as investing some funds in the stock market.</p> <p>Hauxi Bank accepted the claims that Qisheng was investigating the glitch and dropped the case after he returned the funds.</p> <p>“Qin Qisheng said that the matter was complicated and involved lots of work … he believed the bank would not pay attention even if he reported it,” the <a href="https://www.scmp.com/news/china/society/article/2184883/chinese-banks-software-chief-jailed-after-finding-way-withdraw"><em>South China Morning Post</em></a> reported a bank representative as saying during the trial.</p> <p>“We think this reason for not reporting is legitimate.”</p> <p>However, even though the company dropped the charges, this was not enough to save Qisheng from 10-and-a-half years of jail time, as well as a fine of 11,000 Yuan (AUD$2306).</p> <p>“On the one hand, (the bank) said that the accused’s behaviour was in violation of the rules. On the other hand, he said that he could conduct relevant tests. This is self-contradictory,” the judge said.</p> <p>The flaw that caused Qisheng to be able to withdraw the funds has now been fixed.</p>

Money & Banking

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Leave your lunch at home and head down to your local Bunnings!

<p>Leave your lunch at home today and enjoy an Aussie staple to help out those in need.</p> <p>Bunnings around the country are firing up their barbecues to raise much-needed money that go towards those who have been impacted by the Townsville floods and the Tasmanian bushfires.</p> <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/BtZxJabhhSv/?utm_source=ig_embed&amp;utm_medium=loading&amp;utm_campaign=embed_locale_test" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="margin: 8px 0 0 0; padding: 0 4px;"><a style="color: #000; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none; word-wrap: break-word;" rel="noopener" href="https://www.instagram.com/p/BtZxJabhhSv/?utm_source=ig_embed&amp;utm_medium=loading&amp;utm_campaign=embed_locale_test" target="_blank">Fires, emergencies, smoke, ash, evacuations, despair, anxiety, charred forest are some of the adjectives to describe the last few weeks in little old Geeveston , Huon Valley, Tasmania. 📷abchobart Though not displaced by home, we are certainly displaced by our business in being one of the numbers in this little community. Thank the Lord, thank the TFS, Tas Police &amp; local authorities in sparing lives in this story so far though it’s not over yet ! Geeveston will rebirth, regenerate and literally rise from the ashes when this passes 🙏🏻 Please look forward to the next chapter ... Sincere heartfelt thanks to the many private and other messages to date including @lukewmcgregor @louiselovebrand @stevecumper1 among many others. 💕 • • • #tasmanianfireservice #tasmanianbushfires #geeveston #rosehaven #geevestontasmania #risefromtheashes #therealalannahhill</a></p> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;">A post shared by <a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px;" rel="noopener" href="https://www.instagram.com/theoldbankofgeeveston/?utm_source=ig_embed&amp;utm_medium=loading&amp;utm_campaign=embed_locale_test" target="_blank"> The Old Bank Of Geeveston</a> (@theoldbankofgeeveston) on Feb 2, 2019 at 6:19pm PST</p> </div> </blockquote> <p>Bunnings will have the barbecues running from 9 am to 4pm, so you’ve got plenty of time to get down and help out.</p> <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/Bt181HWgFrG/?utm_source=ig_embed&amp;utm_medium=loading&amp;utm_campaign=embed_locale_control" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="margin: 8px 0 0 0; padding: 0 4px;"><a style="color: #000; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none; word-wrap: break-word;" rel="noopener" href="https://www.instagram.com/p/Bt181HWgFrG/?utm_source=ig_embed&amp;utm_medium=loading&amp;utm_campaign=embed_locale_control" target="_blank">Grab a snag tomorrow from 9am to 4pm at your local store to support our national fundraiser for @givit_aus 🌭 Stores across the country will be behind the BBQ raising funds for the Townsville flood emergency, while the Tassie team will be supporting the recent Tasmania bushfires.</a></p> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;">A post shared by <a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px;" rel="noopener" href="https://www.instagram.com/bunnings/?utm_source=ig_embed&amp;utm_medium=loading&amp;utm_campaign=embed_locale_control" target="_blank"> Bunnings Warehouse</a> (@bunnings) on Feb 13, 2019 at 5:00pm PST</p> </div> </blockquote> <p>Bunnings partnered with GIVIT, who are directing funds directly to those who need it most in the impacted communities around Australia. </p> <p>GIVIT founder and Director Juliette Wright is on the ground in Townsville, lending a hand to those who have lost everything in the floods.</p> <p><img style="width: 500px; height: 281.25px; display: block; margin-left: auto; margin-right: auto;" src="/media/7823297/queensland-flood-gallery-5.jpg" alt="" data-udi="umb://media/569e6a56b98a4f68b1a9bf33e82f2105" /></p> <p style="text-align: center;"><em>The Townsville floods</em></p> <p>“Front line services, charities and counsels are telling us what people need. And we ask generous Australians to fill that need,” Juliette told <a rel="noopener" href="https://kitchen.nine.com.au/2019/02/14/15/55/bunning-stores-host-sausage-sizzle-for-townsville-floods" target="_blank">9Honey Kitchen.</a></p> <p>“It’s about making sure the people in need get exactly what they need when they need it. Like a mum who has a newborn and a one-year-old and cannot afford an electric kettle,” Juliette added.</p> <p>“We’re focusing on essential items. Safety equipment and cleaning equipment as they’re still in the early phases of recovery.”</p> <p>Will you be heading down to Bunnings today to help raise funds for the victims of the Townsville floods and Tasmanian bushfires? Let us know in the comments.</p>

Money & Banking

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Savvy shoppers reveal the best time to shop at ALDI, Coles & Woolies

<p>We all love a bargain when it comes to grocery shopping, and a discussion on a Facebook group has sparked shoppers into revealing the best times to go to Coles, Woolworths and ALDI for discounted items.</p> <p><strong>Coles</strong></p> <p>For weekly specials, the best time to go is Wednesday as the shelves get fully stocked the night before and this ensures that you won’t miss out on any specials.</p> <p>“Wednesdays are the best for fully stocked shelves for weekly specials. Weekend late afternoon or evenings are not great because items on shelves and fresh produce sometimes run out. For markdowns, every store is different,” one shopper said.</p> <p>Another said that they spoke to a worker who agreed Wednesday was the better day for weekly specials.</p> <p>“I was hoping to narrow my shopping trips so I asked one of the Coles ladies when is best to shop at Coles and she recommended Wednesdays because they restock the shelves night before for weekly specials.”</p> <p><strong>Woolworths</strong></p> <p>Want to save on bread and meat? Heading to your local Woolworths later in the evening ensures that you get a discount as bread and other fresh produce has been marked down.</p> <p>One shopper confirmed this, by saying that they head to Woolworths after 4.30pm.</p> <p>“Woolworths after 4.30pm, they markdown bread, pastries and meat.”</p> <p>For discounted goods, you’re better off setting an alarm so you get to Woolies early, which was confirmed by a shopper.</p> <p>“I've found my Woolies is good for markdowns early in the morning. Quite often I go in at around 8.30 am and they are marking stuff down.”</p> <p>Another said that they’ve had more luck later in the night.</p> <p>“I go around 6.30 pm to 7 pm and usually get my shopping done in record time and get some good markdown bargains.”</p> <p><strong>ALDI</strong> </p> <p>The peak times to avoid ALDI are Wednesdays and Saturdays, which makes sense, as these are the days when the discount supermarket giant releases its Special Buys of the week.</p> <p>One shopper said that their local ALDI is busy on Saturdays.</p> <p>“Just don't go to ALDI on a Saturday it's busy those days.”</p> <p>Another confirmed that Wednesday mornings are a no-go as well.</p> <p>“Avoid ALDI's on Wednesday mornings especially within the first hour of trade and all day Saturday. Between 11 am and 2 pm is the busiest period every day so come in earlier.”</p> <p><span>Do you have a preferred time to go grocery shopping? Let us know in the comments.</span></p>

Money & Banking

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Woolworths launches special $2 coins commemorating beloved TV icon

<p>Beloved Aussie TV icon Mr Squiggle is celebrating its 60-year anniversary, and Woolworths is joining in the celebrations by releasing a limited-edition line of $2 coins.</p> <p>The supermarket giant has partnered with the national coin producer, Royal Australian Mint to create four coin designs depicting Mr Squiggle and other famous characters from the eponymous show.</p> <p>The coins will be released in stages over the coming weeks. The first $2 design, featuring Mr Squiggle, is available in Woolworths registers this week, while the next three coins featuring Gus the Snail, Bill Steamshovel and Blackboard will be released on February 20, February 27 and March 6 respectively.</p> <blockquote class="twitter-tweet" data-lang="en-gb"> <p dir="ltr">Woolworths and the Royal Australian Mint have joined forces to celebrate Mr Squiggles 60th Birthday with the release of four coloured $2 coins. The first of the coins, featuring Mr Squiggle, is available in your change from Woolworths today. <a href="https://t.co/WV9pRCtMHL">https://t.co/WV9pRCtMHL</a> <a href="https://t.co/vO5MkuZERE">pic.twitter.com/vO5MkuZERE</a></p> — RoyalAustralianMint (@RoyalAustMint) <a href="https://twitter.com/RoyalAustMint/status/1095457755593363457?ref_src=twsrc%5Etfw">12 February 2019</a></blockquote> <p>A limited-edition seven-coin set for $15, including two $1 coins and a 1-cent coin, is also available for purchase.</p> <p><em>Mr Squiggle</em>, created by Norman Hetherington, first came to Australian screens in 1959. With 40 years on screen, the show has become one of the longest-running programs in Australia, captivating children across generations as the characters turned "squiggles" into drawings.</p> <p><iframe width="560" height="315" src="https://www.youtube.com/embed/tDSUKIsxHaY" frameborder="0" allow="accelerometer; autoplay; encrypted-media; gyroscope; picture-in-picture" allowfullscreen=""></iframe></p> <p>"lt's such an honour to have the Royal Australian Mint and Woolworths immortalise my father's work in this unique way, " said Rebecca Hetherington, the creator’s daughter and the show’s co-host.</p> <p>"The coins perfectly represent Mr Squiggle's fun and imaginative view of the world, attributes he shared with my father.</p> <p>"I'm excited to share this opportunity with Australians who have grown up with him and remember him fondly, and also to introduce Mr Squiggle to a new generation."</p> <p>This is not the first time the supermarket has offered special coin collections. Previous releases launched through Woolworths include the Gold Coast 2018 Commonwealth Games and Rio 2016 Olympic and Paralympic Games editions. Last year, a legal battle brewed over the Remembrance Day and the<span> </span>Possum Magic<span> </span>sets as the Canadian Royal Mint sued the Australian government over infringed rights to a unique painting process.</p> <p>Will you be collecting the limited-edition $2 coins? Let us know in the comments.</p>

Money & Banking

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The 50+ financial checklist

<p>Hitting the half-century mark can be a significant milestone for many of us. It often sees the advent of a new stage of life, where the nest may be emptying, the mortgage may be shrinking, and thoughts of newfound recreational time and retirement may be stirring the imagination.</p> <p>It is also an age at which some key financial planning decisions take on more significance, so that unwanted consequences can be avoided.</p> <p>Damon Smith, wealth adviser from Macquarie Wealth Management, stresses the importance of getting organised once you reach your 50s.</p> <p>“Longevity risk is a major issue for clients in their 50s. It’s the risk that you live longer than your money can last. I find many clients in their 50s have been concentrating on putting kids through school or paying off their home. Of course these are important goals, but once you get to 50 it is also a critical time to turn your attention to your superannuation.”</p> <p><strong class="bigger-text">The “big ticket” question</strong><span> </span></p> <p>The number one question for anyone’s retirement is “how much is enough”? To break this down, you need a clear picture of:</p> <ul> <li>what age you want to retire</li> <li>what sort of income you want in retirement to support your desired lifestyle</li> <li>what other major spending intentions you have once retired (travel, boat, motorhome)</li> <li>how much retirement capital you will need to fund it all.</li> </ul> <p>If you can’t answer these questions definitively by the time you are in your 50s, then you really need to act right away.</p> <p>“The answer to the question, ‘Do I have enough for retirement?’ is different for every client,” explains Smith. “[It is] based on not only how much they have saved, but also what they intend to spend. Even if you feel unprepared for retirement, there’s still time, but acting quickly is essential.”</p> <p><strong class="bigger-text">Will you retire gradually or suddenly?</strong><span> </span></p> <p>While many of us look forward to leaving work behind permanently, there are some who will prefer to continue part-time work for financial, social, or mental health reasons. Fortunately, it may well be possible to access your super and qualify for the age pension while earning income. However, understanding the rules, age limits, and exemptions is critical to making the most of your situation.</p> <p>If you want to continue part-time work, a financial adviser can help you analyse your position, and structure your finances to maximise your outcomes and entitlements.</p> <p><strong class="bigger-text">Will you downsize your home?</strong><span> </span></p> <p>A large family home often becomes less practical and less affordable once you close in on retirement. Because of this, many are attracted to the idea of selling up to move into something more manageable, or even into a retirement village.</p> <p>While this is a perfectly reasonable and practical step to take, you need to be careful about how it may affect your taxation, social security, and investment situation. Getting some savvy advice on this now may save a lot of stress later.</p> <p><strong class="bigger-text">Helping your kids get established</strong><span> </span></p> <p>The upheavals in home affordability and employment opportunities in recent years have seen an increased emphasis in parents helping their adult children to financially establish an independent life. This can add a new dimension to your retirement plan, as you wrestle with questions such as:</p> <ul> <li>what are the ramifications of giving your kids a loan or a cash handout to help them with a home deposit?</li> <li>what are the pros and cons of being a guarantor for their mortgage?</li> <li>is buying a property jointly with them a good idea and what are the risks?</li> </ul> <p>Smith emphasises the importance of factoring in such issues into your own planning:</p> <p>“Many clients want to give their kids a financial helping hand, but don’t always know the impact it can have on their own situation. It’s fine to give your offspring the help they need, but you need to be careful that you don’t put your own future security at risk. Using a financial adviser can help you weigh up the pros and cons and make balanced decisions.”</p> <p><strong class="bigger-text">Passing things on to the next generation</strong><span> </span></p> <p>Hitting your 50s can often give you a keener sense of your own mortality. In turn, this may provoke thoughts of how your estate will be passed on to your beneficiaries.</p> <p>As you delve into this issue, it can quickly reveal a whole range of issues that need attention where prompt action is required. For example:</p> <ul> <li>who will make legal and medical decisions for you and your spouse if either or both of you one day become unable to make them for yourself?</li> <li>is a will alone enough to ensure that what you pass on will actually get to the beneficiaries you intend?</li> <li>do you have legal vehicles, such as testamentary trusts, set up to ensure your estate is not squandered after you have gone?</li> <li>who will your superannuation benefits be paid to, given that they are generally not covered by your will?</li> </ul> <p>As Smith counsels: “A well-thought out estate plan is not just about making sure your assets are directed where you want them to go, but also about managing some major tax impacts and taking full advantage of the opportunities for planning.”</p> <p>Have you thought about these questions? Let us know in the comments.</p> <p><em>Written by Tom Raeside. Republished with permission of <a href="https://www.wyza.com.au/articles/money/financial-planning/the-50-plus-financial-checklist.aspx">Wyza.com.au.</a></em></p>

Money & Banking

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The grandkids are going to love these: Coles' new mini collectibles range

<p>After the success of the Little Shop campaign last year, Coles is launching a new series of mini collectables called Stikeez.</p> <p>The supermarket has partnered with the Healthy Kids Association to launch Stikeez and the associated Coles Fresh Rainbow Challenge, which are designed to influence Aussie children to eat more fresh produce.</p> <p>There are 24 types of mini fruits and vegetables to collect. Some of them are named after Coles produce growers, such as Marie the Mango which takes after Marie Piccone from Manbulloo in the Northern Territory, Carlo the Cucumber from Carlo Pippo in Ballina, NSW and Sunny the Strawberry from Sunny Ridge Strawberry Farm in Main Ridge, Victoria.</p> <p>Just like the previous the Little Shop campaign, shoppers will be able to receive a Stikeez collectable for every $30 they spend at Coles supermarkets, Coles Express and Coles Online.</p> <p><img style="width: 500px; height: 315px; display: block; margin-left: auto; margin-right: auto;" src="/media/7823435/stikeez.jpg" alt="" data-udi="umb://media/bdd409fcf743443cb4c6b8b6c1a15dac" /></p> <p>Coles Fresh ambassador and chef Curtis Stone helped develop the challenge, which encourages kids to keep track of their fresh produce consumption by ticking off the colours on a provided poster.</p> <p>"As a parent I know how hard it can be to get kids excited about eating their veggies so I'm really excited about helping to make them fun and tasty with my colourful recipes like 'broc tots', eggplant chips and rainbow pizzas," said Stone.</p> <p><img style="width: 500px; height: 315px; display: block; margin-left: auto; margin-right: auto;" src="/media/7823434/stikeez2.jpg" alt="" data-udi="umb://media/2dace701d44148408f6f16df9f56f5d6" /></p> <p>"I can't wait to see how Aussie families bring the Rainbow Challenge to life and have fun eating delicious healthy food."</p> <p>Coles first achieved success with its collectables range through the Little Shop campaign in July, with customers trying to get their hands on 30 mini toy versions of grocery items such as Weet-Bix and Milo. The supermarket giant also offered a Christmas version of the collectables at the end of last year, featuring miniatures of seasonal favourites including mince-pies, pavlovas and gingerbread biscuits.</p> <p>Both campaigns sent shoppers into a frenzy, prompting the emergence of swap and sell groups on social media. Complete cases were also being sold online for more than $300.</p> <p>There was also some backlash, as the plastic toy offerings were seen to be in conflict with the supermarket’s plastic bag ban.</p> <p>"Coles has pledged to reduce their plastic packaging on fresh produce and has introduced a bag ban to 'do the right thing for the environment'," said Mara Wundenberg, a Greenpeace campaigner.</p> <p>"Clearly not being serious about plastic pollution, they are giving out little, plastic-wrapped plastic toys to children... <span>Not being conventionally recyclable, they will then end up in landfill or litter our environment, affecting nature and wildlife," Wundenberg added. </span></p> <p>What do you think of the new Stikeez collectable range? Will you be collecting them for your grandchildren? Share your thoughts in the comments. </p>

Money & Banking

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Is there anything Kmart's $29 pie maker can't do?

<p>When it comes to Kmart purchases, cult fans of the mega store have proven most appliances can be used for a multitude of purposes.</p> <p>The $29 Kmart Pie Maker is nothing short of spectacular with its wide options to choose from when using the nifty gadget – from pies to cakes and muffins to donuts – there is not much this pie maker can’t do.</p> <p>Tasty offerings range from savoury foods such as bacon cups, eggs and pastries to sweet desserts with a number of home bakers revealing how they used the pie maker to get creative with their cooking.</p> <p>One woman named Aimee used the nifty invention to pay tribute to everyone’s favourite chocolate spread – Nutella.</p> <p>“Got on the Kmart pie maker bandwagon and made Nutella filled cinnamon doughnuts,” the South Australian mum wrote.</p> <p>The delicious treat only took 10 minutes, she explained, while sharing her recipe ingredients and details.</p> <p> </p> <p><iframe src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2Fphoto.php%3Ffbid%3D2043316055709765%26set%3Da.177158792325510%26type%3D3&amp;width=500" width="500" height="491" style="border: none; overflow: hidden;" scrolling="no" frameborder="0" allowtransparency="true" allow="encrypted-media"></iframe></p> <p>Here are some of the delicious inventions made by fans of Kmart's $29 pie maker.</p> <p><strong>Eggs-done-easy</strong></p> <p><iframe src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2FOurThriftyFamily%2Fphotos%2Fa.1941688629385758%2F2087625684792051%2F%3Ftype%3D3&amp;width=500" width="500" height="631" style="border: none; overflow: hidden;" scrolling="no" frameborder="0" allowtransparency="true" allow="encrypted-media"></iframe></p> <p><strong>Custard Tart</strong></p> <p><iframe src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2Fphoto.php%3Ffbid%3D10215320499717420%26set%3Da.2049963300376%26type%3D3&amp;width=500" width="500" height="502" style="border: none; overflow: hidden;" scrolling="no" frameborder="0" allowtransparency="true" allow="encrypted-media"></iframe></p> <p> </p> <p><strong>Muffins</strong></p> <p><iframe src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2FKmartPieMakerRecipes%2Fposts%2F1151389341703023&amp;width=500" width="500" height="491" style="border: none; overflow: hidden;" scrolling="no" frameborder="0" allowtransparency="true" allow="encrypted-media"></iframe></p> <p><strong>Egg and Bacon Cups</strong></p> <p><iframe src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2Fphoto.php%3Ffbid%3D10155804125568250%26set%3Da.10150170358088250%26type%3D3&amp;width=500" width="500" height="594" style="border: none; overflow: hidden;" scrolling="no" frameborder="0" allowtransparency="true" allow="encrypted-media"></iframe> Would you try out Kmart's $29 pie maker at home? Let us know in the comments below.</p>

Money & Banking

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The new $3 Kmart hack that is transforming homes around Australia

<p>It turns out tea towels don’t just belong in your kitchen.</p> <p><span>All over Australia, women have been taking to Facebook Kmart groups to share how they’ve used Kmart's bargain $3 trendy tea towel designs as a way to transform their homes into chic abodes.</span></p> <p>From dresses and wall art to cushions and reupholstered chairs, women have been putting their tea towels to good use with their genius creations.  </p> <p>Swipe through the gallery above to see the gorgeous Kmart tea towels BEFORE they were used to make genius DIY creations.</p> <p>Katie Matheson from Queensland says she had a lightbulb moment when deciding she wanted to reupholster her old dining table chairs with the banana palm tea towel. </p> <p>“Thanks Kmart for the tea towels... they look fab as new covers for my seat covers,” she wrote.</p> <p>Matheson confirmed the process was easy and simple to do writing: “I spent $15 on the tea towels at $3 each. At Bunnings I spent around $65 on paint, sand paper and a staple gun. I chose to use chalkboard paint which seems to be the easiest paint for painting furniture and it gave the matte finish that I was after.</p> <p>“I just washed the tea towels and ironed them, unscrewed the seats and covered them with the tea towels before stapling them to secure them underneath,” she explained.</p> <p><iframe src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2Fphoto.php%3Ffbid%3D10157792702461336%26set%3Da.288507836335%26type%3D3&amp;width=500" width="500" height="695" style="border: none; overflow: hidden;" scrolling="no" frameborder="0" allowtransparency="true" allow="encrypted-media"></iframe></p> <p>Maiana Tahiata Solein also had a stroke of genius moment when she became inspired to make a dress for her niece when she saw two tea towels in her local Kmart.  </p> <p><iframe src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2Fmaiana.tahiata%2Fposts%2F2144029992285260&amp;width=500" width="500" height="669" style="border: none; overflow: hidden;" scrolling="no" frameborder="0" allowtransparency="true" allow="encrypted-media"></iframe></p> <p>“It’s rough but it [looks] cute on her.</p> <p>“She only likes the pink one though lol,” the aunty explained.</p> <p>Nic Hutson also fell in love with the Kmart tea towel designs, deciding to use the native tea towel, the banana palm tea towel and the gorgeous palm tea towel to carry out her genius hack.</p> <div class="fb-post" data-href="https://www.facebook.com/kmarthacks/posts/1957295740985936" data-width="500" data-show-text="true"> <blockquote class="fb-xfbml-parse-ignore"> <p>Loving my new wall art... Kmart canvas + Kmart tea towels 🙂 + staple gun</p> Posted by <a href="#">Nic Hutson</a> on <a href="https://www.facebook.com/kmarthacks/posts/1957295740985936">Saturday, December 29, 2018</a></blockquote> </div> <p>Not only can you use tea towels for genius hacks, you can also use them as nifty cushions as Olive &amp; Henry explained.</p> <p>“I liked the bright summery vibe so I turned them into cushions (as one does), really thrilled with the result,” the Facebook page shared.</p> <p>For this creative invention, they used the palm tree tea towel, cactus tea towel and the highland cow tea towel.</p> <p><iframe src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2FOliveandHenry%2Fposts%2F1398099320325076&amp;width=500" width="500" height="707" style="border: none; overflow: hidden;" scrolling="no" frameborder="0" allowtransparency="true" allow="encrypted-media"></iframe></p> <p>Are you going to try any of these clever hacks using Kmart’s $3 tea towels? Let us know in the comments below. </p>

Money & Banking

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Fans of Cadbury chocolate are not going to be happy about this

<p>Cadbury has announced its decision to reduce the size of its family chocolate blocks.</p> <p>The new change, which will apply within the next few weeks, will see Dairy Milk blocks go from 200g to 180g, another size reduction since 2015 when the block was reduced from 220g.</p> <p>Cadbury Dairy Milk Marvellous Creations will go from 205g to 190g, while Old Gold and Dairy Milk Black Forest will get resized from 200g to 180g.</p> <p>The confectionary company said the decision was aimed at saving costs.</p> <p><iframe src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2FCadburyDairyMilkAustralia%2Fposts%2F2317121494979227&amp;width=500" width="500" height="595" style="border: none; overflow: hidden;" scrolling="no" frameborder="0" allowtransparency="true" allow="encrypted-media"></iframe></p> <p>“Unfortunately, over the last few years, we’ve seen our costs go up,” Cadbury said in a statement.</p> <p>“Rather than raising the recommended retail price, we’ve made the call to reduce the size of our Cadbury family blocks, and also bring down the recommended prices slightly.”</p> <p>The RRP for all blocks will diminish from $4.99 to $4.79.</p> <p>Paul Chatfield, marketing director for Cadbury, told <a rel="noopener" href="https://kitchen.nine.com.au/2019/02/07/16/01/cadbury-announce-plans-to-reduce-size-of-family-blocks" target="_blank"><em>9Honey Kitchen</em></a> that increased costs over the past four years made the change necessary.</p> <p>“We’re conscious of cost pressures facing Aussie households, so we’ve chosen to make our blocks a little smaller while slightly reducing the recommended retail price to ensure Cadbury lovers can continue to enjoy the taste they love.”</p> <p>Some fans on social media have voiced their displeasure over the size reduction, with one user writing, “Again??!! You have done this so many times before.”</p> <p>But others expressed their loyalty to the chocolate brand. “[Cadbury is] still the best, won’t stop me,” a user commented.</p> <p>What do you think of the change? Let us know in the comments.</p>

Money & Banking

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Coles’ big blunder: Huge discounts after supermarket giant's glitch

<p>Coles customers were in for a treat on Tuesday night and Wednesday morning after hundreds of dollars were slashed off their grocery bills due to a technical fault on the website.</p> <p>Those who shopped online noticed a hefty discount on their purchases, with grass-fed beef for only $3.30 per kilo, $2 Manuka honey, Ben &amp; Jerry’s ice cream for $1 and baby formula for $2.50.</p> <p>Taking to social media to express their excitement, thrilled shoppers took to Facebook group <a rel="noopener" href="https://www.facebook.com/groups/216019245657841/" target="_blank"><em>Markdown Addicts</em></a> to reveal their hauls.</p> <p>“Ours is split between four households. I got stuff I wouldn’t have been able to afford otherwise! I’m so happy,” said one mum. “I even managed to get another two tins of formula for $2.50 for one and $6 for the other. All the items were there, and the staff were lovely about it and had a laugh, said they’d seen some lucky people. It feels nice to have a happy little accident.”</p> <p>One customer had a saving of over $1000, with another nabbing a discount of $800.</p> <p>“Woah I was honestly thinking that it would get cancelled (coffee machines as Xmas/birthday) $110. Saved $800. Amazing thing for a low-income family.”</p> <p>Those who benefited from the glitch thanked the person who spread the word.</p> <p>“Due to being unwell I cannot work atm (at the moment),” wrote a Brisbane woman. “I’m currently on Centrelink payment. By the time I pay rent and loan repayments etc, I’m living on $40 a week. My local store was only giving one of each item. I’m extremely happy to even get that one item of each. I was able to stock up on the basics. I normally get the generic brands, but it’s nice to have the name brand names.</p> <p>“Thanks again, you don’t realise how something like this can help someone else.”</p> <p>Speaking to <a rel="noopener" href="https://www.news.com.au/finance/business/retail/overjoyed-coles-customers-slashed-hundreds-on-their-grocery-bills-thanks-to-an-online-glitch/news-story/c2765764ebac795ab732599a3f354087" target="_blank"><em>news.com.au</em></a>, a spokesperson from Coles said the technical fault affected the prices of a small number of items.</p> <p>“The wrong price was displayed for small numbers of products on Coles Online overnight,” they said.</p> <p>“In some instances where stores had stock available, orders were fully or partially fulfilled. As per our terms and conditions, Coles Online does not provide rainchecks on goods that are not available.</p> <p>“Where possible we have let customers know if their order will not be filled in full.</p> <p>“We apologise to customers for any inconvenience.”</p> <p>Did you get lucky during the Coles glitch? Let us know in the comments below.</p>

Money & Banking

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This misconception surrounding wealth just won’t die

<p>Many of us have preconceived ideas about what it means to be wealthy. Whether you drive a nice car, live in a house that has as many rooms as it does bathrooms, everyone has a vision of what wealth means to them.</p> <p>However, there seems to be one idea that just won’t die out: the idea that income equals wealth.</p> <p>Sarah Stanley Fallaw, director of research for the Affluent Market Institute, has interviewed 600 millionaires in America.</p> <p>“It continues to be the assumption of those who increase consumption as their income increases that they are the same,” she explained in her book <em>The Next Millionaire Next Door: Enduring Strategies for Building Wealth</em>.</p> <p>“Believing this myth gives the false perception that those who appear to be rich (neighbours driving luxury cars or friends in $US200-plus jeans) are wealthy when in fact it only means they spent more than real millionaires on these purchases.”</p> <p>It seems like many people are getting their wires crossed when it comes to understanding income and wealth.</p> <p>Wealth refers to the net worth of a household, which is all of the household’s assets minus all of its liabilities.</p> <p>Income is what is reported on your tax return.</p> <p>A self-made millionaire, Chris Reining, <span><a href="https://www.businessinsider.com.au/self-made-millionaire-early-retirement-defines-rich-2018-7">previously told <em>Business Insider</em></a></span> that people are more attracted to spending like a rich person.</p> <p>“When people say they want to be rich, what they’re saying is they want to spend like a rich person. They’re focusing on earning a big pay cheque.</p> <p>“But that’s not the definition of being rich,” Reining said. “The definition of being rich is having assets generating income that exceed your standard of living.”</p> <p>Did you know what the difference between wealth and income was? Let us know in the comments.</p>

Money & Banking

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Big W's genius $99 laundry hack inspired by Marie Kondo

<p>The Marie Kondo cleaning craze continues to hit Australia in full force, and retailers are taking notice.</p> <p>The ‘Marie Kondo cleaning method’ involves cleaning out your house and only keeping items that ‘spark joy’.</p> <p>If you feel nice when you hold an item of clothing or a book, it stays.</p> <p>If it doesn’t, it gets donated or thrown away.</p> <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-permalink="https://www.instagram.com/p/BsjL0wrHdkO/?utm_source=ig_embed&amp;utm_medium=loading" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" rel="noopener" href="https://www.instagram.com/p/BsjL0wrHdkO/?utm_source=ig_embed&amp;utm_medium=loading" target="_blank">A post shared by Marie Kondo (@mariekondo)</a> on Jan 12, 2019 at 1:34pm PST</p> </div> </blockquote> <p>Jumping on the bandwagon, Big W has released a laundry range that has been inspired by Kondo herself. The All-in-One Laundry trolley has everything you need to keep a nice and tidy home.</p> <p>It has three different sections available for you to sort your dirty washing whilst also having a built-in ironing board.</p> <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-permalink="https://www.instagram.com/p/BtdApo4hqxR/?utm_source=ig_embed&amp;utm_medium=loading" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" rel="noopener" href="https://www.instagram.com/p/BtdApo4hqxR/?utm_source=ig_embed&amp;utm_medium=loading" target="_blank">A post shared by Big W Life &amp; Style (@bigwlifeandstyle)</a> on Feb 4, 2019 at 12:32am PST</p> </div> </blockquote> <p>The trolley is set to be a bargain which will only set you back $99.</p> <p>Fans are excited about the new range, which also offers a bamboo airer for $49 and a laundry hamper.</p> <p>One happy shopper couldn’t contain their joy, saying “both look so nice!!” while another commenter said that “we need this for our laundry”.</p> <p>There are rumours that the range will be available in stores by the end of this week, according to <a rel="noopener" href="https://www.instagram.com/bigwlifeandstyle/" target="_blank">Big W Life and Style.</a></p> <p>Have you used the Marie Kondo method to clean out your home? Let us know in the comments.</p>

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Good news for bargain hunters: Bunnings announces huge sale

<p>Bunnings, the store that is essentially a handyman’s dream, has everything you could possibly need when it comes to outdoor or indoor DIY.</p> <p>Fans of the store will be pleased that it has announced a huge stocktake sale that has reduced some items by up to 25 per cent.</p> <p>The timing of this is perfect, as many of us have New Year’s resolutions to finally make the backyard presentable or fix that leaky toilet in the bathroom.</p> <p>If you’re looking to meet your outdoor setting or barbecue needs, look no further. And t<span>hose of you with a green thumb won’t be disappointed either, with organic fertiliser reduced in price. . If you’ve been needing a new hose to water your prized plants, a classic brass topped garden hose has been reduced in price by almost 50 per cent.</span></p> <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-permalink="https://www.instagram.com/p/BsufyYTgEs6/?utm_source=ig_embed&amp;utm_medium=loading" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;"><a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none;" rel="noopener" href="https://www.instagram.com/p/BsufyYTgEs6/?utm_source=ig_embed&amp;utm_medium=loading" target="_blank">A post shared by Bunnings Warehouse (@bunnings)</a> on Jan 16, 2019 at 11:00pm PST</p> </div> </blockquote> <p>There’s a range of products on offer that’ll be sure to please DIY enthusiasts, home renovators or those who are planning on painting.</p> <p>Whether it's a cordless drill, a complete toilet suite or gap filler, bargain hunters and DIYers alike will be able to save themselves a fortune.</p> <p>Are you going to head down to Bunnings to check out the stocktake sale? Let us know in the comments.</p>

Money & Banking

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“It gave people fodder”: The impact of Jamie Oliver's fall from grace

<div> <div class="replay"> <div class="reply_body body linkify"> <div class="reply_body"> <div class="body_text "> <p>Within the past few years, Jamie Oliver has faced some of the biggest challenges of his career.</p> <p>Since his first appearance on <em>The Naked Chef</em> in 1999, the celebrity chef had gone on to achieve success through numerous hit television shows, cookbooks, charities and health campaigns. However, the 43-year-old is now dealing with a troubled business empire and a series of controversies that has reportedly turned fans away.</p> <p>Public relations expert Catriona Pollard said Oliver’s downfall was caused by blunders such as overexposure, actions that do not match his personal brand, and failure to address public criticisms.</p> <p>Oliver’s image as a healthy everyday cook does not hold up with his actions, Pollard told <a href="https://www.news.com.au/finance/business/other-industries/expert-reveals-where-it-all-went-wrong-for-celebrity-chef-jamie-oliver/news-story/34ba7db90c12c01fbe704f820f432591"><em>news.com.au</em></a>.</p> <p>Oliver was well-known for his easy, budget-friendly recipes, as shown in the television show <em>Jamie’s Money Saving Meals</em>. However, his eateries are priced on a premium. For example, the Australian branches of Jamie’s Italian restaurant chain ask $20 for a one-course lunch.</p> <p>Last year, Oliver said the chain had “run out of cash” and closed 12 of the restaurants in Britain.</p> <p>“You can buy one of his books for $20, or watch his TV show for free,” said Pollard. “But a lot of his restaurants sold expensive meals … which didn’t really stack up for people.”</p> <p>Pollard said linking his name to the restaurants was a mistake, as their failures would be connected to his personal reputation.</p> <p>Oliver is also a proud advocate of healthy foods and sustainability as the UN Environment’s environmental champion. The public was quick to accuse Oliver of hypocrisy after the chef signed a £5 million (AU$9 million) deal with petrol giant Shell, which is one of the top 10 greenhouse gas-producing companies in the world.</p> <p>“Jamie Oliver has a very distinct personal brand linked to very distinctive values,” said Pollard.</p> <p>“He’s so outspoken when it comes to things like healthy eating and the environmental impacts of climate change, which is great, but … the deal with Shell was seen as negatively straying from that very distinct brand.</p> <p>“It gave people fodder and they started to change their opinions of him. That backlash was caused because people thought he wasn’t behaving the way they thought he should.”</p> <p>On Monday, the chef was also revealed to have been an informal advisor to McDonald’s for years, despite having dubbed their burgers as “not fit for human consumption” in 2011.</p> <p>Pollard also noted Oliver’s media gaffes as one of the reasons the public is turning away from the Brit. While Oliver said nothing on the Shell deal, he revealed the royal family’s rejection to his offer to cater for Prince Harry’s wedding.</p> <p>“He absolutely should have kept quiet at a time when people were already questioning his reputation — it was not a very sensible thing to do, to say he was snubbed by one of the most watched marriages in recent history,” she said.</p> <p>“It made people think [the royals] didn’t want to be associated with him, which was a misstep.”</p> <p>Pollard said it is not too late for Oliver to address these problems. “He’s absolutely not down and out — but he needs to think twice before saying something in future … and look back at what made him great in the first place, and make sure he stays aligned to those values people were attracted to.”</p> </div> </div> </div> </div> </div>

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The savvy supermarket hack to get free groceries

<p>Grocery shoppers have discovered a little-known supermarket policy that allows them to get free groceries at Coles, Woolworths and ALDI.</p> <p>Savvy customers have taken to Facebook groups to share a hack that helps them snatch free items from the retail giants.</p> <p>The sneaky trick is to check your receipts for store errors. Under the Scanning Code of Practice, customers are entitled to a product free of charge if it scans higher than the advertised price on the packaging or the shelf.</p> <p>A user who goes by @markdownaddictsaustralia on Instagram shared how they got lamb legs and pork loin roast for nothing at Woolworths.</p> <p>“The lamb was supposed to be $20 per kilo and the pork was supposed to be $18.99 per kilo but I was charged higher per kilo prices,” they wrote.</p> <p>“I took the meat and my receipt to the service counter and the employee happily refunded me fully and gave me them both for FREE.”</p> <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/BtIbvTxBavH/?utm_source=ig_embed&amp;utm_medium=loading" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="margin: 8px 0 0 0; padding: 0 4px;"><a style="color: #000; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none; word-wrap: break-word;" rel="noopener" href="https://www.instagram.com/p/BtIbvTxBavH/?utm_source=ig_embed&amp;utm_medium=loading" target="_blank">I’ve always been aware of the scanning code of practise but have never had the need to use it. Today while shopping I noticed the meat I had purchase didn’t reflect the price per kilo that it was supposed to given they were on special. The lamb was supposed to be $20 per kilo and the pork was supposed to be $18.99 per kilo but I was charged higher per kilo prices. I took the meat and my receipt to the service counter and the employee happily refunded me fully and gave me them both for FRE, I also let him know of the other 4 products that didn’t reflect prices accurately. I need to pay more attention while shopping Instead of being off in lalaland lol 😂 #budgetingtips #sahm #aussieblogger #aussiemum #aussiemums #debtfreeaustralians #ozsavingcommunity #hustle #hustlehard #budgetplanner #debtfreecommunity #debtfreeliving #aussiesofinstagram #mumlife #ozdebtfreecommunity #markdownaddictsaustralia #goaldigger #sidehustle #goaldiggers #bargainshopper</a></p> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;">A post shared by <a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px;" rel="noopener" href="https://www.instagram.com/markdownaddictsaustralia/?utm_source=ig_embed&amp;utm_medium=loading" target="_blank"> Markdown addicts australia</a> (@markdownaddictsaustralia) on Jan 27, 2019 at 12:45am PST</p> </div> </blockquote> <p>Another user on a Facebook group scored a free box of nappies. </p> <p>“From $27.99 marked down to $7 but they still scanned at normal price so FREE,” they wrote.</p> <p>While Woolworths is the only signatory of the Code of Practice, ALDI and Coles have similar policies. These supermarkets will give an item for free if it scans at a price higher than displayed.</p> <p>A Woolworths spokesperson told <a href="https://au.news.yahoo.com/savvy-shoppers-getting-groceries-free-074828322.html"><em>Yahoo7 News</em></a>, “The only exceptions under the [Scanning Code of Practice] are with products with a shelf price greater than $50, as well as tobacco and liquor products. These products will be adjusted to reflect the shelf price.”</p> <p>Coles’ policy does not apply to items over $50, tobacco or liquor products, third party gift cards or items without a barcode. If multiple identical items scan at an incorrect price, the customer will only be entitled to the first item for free, while the remaining will have to be paid at the advertised price.</p> <p>ALDI’s policy excludes Special Buys products. Should these items scan at a higher price, ALDI will refund the difference between the scanned price and the advertised price.</p> <p>Did you know about this supermarket refund hack? Let us know in the comments below. </p>

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The secret trick to score a FREE Coles roast chicken

<p>If you’re wondering what to put on the dinner table tomorrow night, Coles may have you and the whole family satisfied – and it’s all for free.</p> <p>While shopping at the mega supermarket Coles, an Adelaide woman spotted a sticker underneath the empty cabinet where roast chickens are usually stocked.</p> <p>It explains that a customer may be entitled to a FREE hot roast chicken if there are none available.</p> <p>The deal promises: “If you’ve missed out on a Coles hot roast chicken between 9 am to 8pm, your next one is FREE.”</p> <p>This bargain might seem too good to be true – and in some stores it is.</p> <p>Many other shoppers have shared their experiences on Facebook and while some have been thrilled with the deal, others explained it wasn’t available everywhere.</p> <p>“No sign like this at our Coles,” one user shared in the comments.</p> <p>“My local [Coles] doesn’t,” another said.</p> <p><iframe src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2FOurThriftyFamily%2Fposts%2F2095265074028112%3A0&amp;width=500" width="500" height="658" style="border: none; overflow: hidden;" scrolling="no" frameborder="0" allowtransparency="true" allow="encrypted-media"></iframe></p> <p>Mich from Victoria said her local Coles chose not to honour the deal as promoted, upset with the misleading advertising.</p> <p>“Your staff have just advised me they will not honour your deal of free chicken if none are available between 9 am and 8 pm as it’s a public holiday,” the woman wrote.</p> <p>“Now I have double checked my calendar yep sure enough it’s not a public holiday…</p> <p>“Feel free to inbox my (sic) for an address to send a voucher to for a free chicken as this is blatant misleading advertising and poor service.”</p> <p><iframe src="https://www.facebook.com/plugins/post.php?href=https%3A%2F%2Fwww.facebook.com%2Fphoto.php%3Ffbid%3D10216089997916030%26set%3Dp.10216089997916030%26type%3D3%26theater&amp;width=500&amp;show_text=true&amp;height=661&amp;appId" width="500" height="661" style="border: none; overflow: hidden;" scrolling="no" frameborder="0" allowtransparency="true" allow="encrypted-media"></iframe></p> <p>A Coles spokesperson told the <span><em><a href="https://www.dailymail.co.uk/femail/article-6646551/Eagle-eyed-shopper-reveals-Coles-offer-help-score-free-roast-chicken.html">Daily Mail</a></em></span>, “Our Coles Hot Roast Chicken is one of our most popular items and we want to have them available at the times that our customers want them most."</p> <p>Check with your local store if this deal is available, as not all stores are guaranteed to carry the same promise.</p> <p>Will you be seeing if your local Coles offers this nifty dinner hack? Let us know in the comments below.</p>

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6 surprising ways you are wasting money

<p class="p1">You wouldn’t let a leaky bathroom tap keep dripping water, right?<br /><br />So why would you let these money-wasting habits go on without plugging the leak?<br /><br />Check out these 6 common expenses that may be costing you more money than you realise.</p> <div class="field field-name-field-slide-title field-type-text field-label-hidden"> <div class="field-items"> <div class="field-item even"><strong>1. Using an old mobile phone plan</strong></div> <div class="field-item even"> <p>You may not have upgraded your phone in a few years because it works just fine, but that doesn’t mean you shouldn’t take a look at your phone plan to make sure that it still suits your needs.</p> <p>Every time your contract ends, you should be shopping around for better deals.</p> <p>Your phone plan should come with a certain amount of free data and call minutes, but if you keep busting your limit every month and paying extra, then it’s not the most cost-effective plan for you.</p> <p>Speak to your service provider to check your average monthly usage and change to a plan that works for you.</p> <p>For example, you may use more data than call minutes so look for a plan that provides more data.</p> <p>With several companies vying for business, you should be able to find a plan that will suit your budget and your needs better. </p> <div class="field field-name-field-slide-title field-type-text field-label-hidden"> <div class="field-items"> <div class="field-item even"><strong>2. Using an old broadband plan</strong></div> </div> </div> <div class="field field-name-field-slide-image field-type-image field-label-hidden"> <div class="field-items"> <p>The same goes with broadband plans for your home surfing.</p> <p>If you’re on an old contract, you could be paying more for a slower speed, so always check that you’ve got the best deal once your contract ends.</p> <p>You can even approach your current provider to ask for better deals in order to retain you as a customer.</p> <p>Some providers offer cheaper packages if you bundle your broadband and mobile phone services together so do some research to see if that works for you.</p> <p><strong>3. Paying credit card annual fees</strong></p> <p>Banks will often charge you annual fees if you want to keep using their credit cards but you can easily get this waived simply by calling in and requesting a fee waiver.</p> <p>If the bank refuses to waive the fees, this might be a good opportunity to cancel the card and look for a new one with a different bank.</p> <p>New credit cards often come with promotional gifts that you can enjoy such as rebates or free luggage.</p> <p>Just remember to cancel this card too if the bank doesn’t waive the fees.</p> <p><strong>4. Paying for services you don't use</strong></p> <p>The biggest culprit is arguably the gym.</p> <p>Many people sign up at the start of the year when their resolve to get healthy is at its strongest.</p> <p>Then March comes along and all that resolve disappears, along with the fees that you’ve paid.</p> <p>Do an audit of all the monthly membership fees you’re paying for and be honest to yourself about what you really need and what you’re not fully utilising.</p> <p>For example, you may really use Spotify every day but you’re not home long enough to enjoy your cable TV services.</p> <p><strong>5. Buying food you don't eat</strong></p> <p>Roughly one-third of all the food produced in the world, or 1.3 billion tonnes, get lost or wasted annually.</p> <p>We’re guilty of wasting food when we buy more than we consume, either by buying big portions that can’t finish, or going overboard with groceries that end up going bad and getting thrown away.</p> <p>So, it’s a good habit to buy only what you need and then using up everything you’ve bought.</p> <p><strong>6. Buying a cup of expensive coffee daily</strong></p> <p>Sure, you need your caffeine in the morning just to function.</p> <p>However, instead of forking over $5 daily at the latest hipster cafe, you might want to cut down to just two or three coffee runs a week, and make a cup in the office pantry the rest of the time.</p> <p>That savings of just $10 a week can add up to over $500 a year!</p> </div> </div> </div> </div> </div> <p class="p1"><em>Written by Siti Rohani. This article first appeared in <a href="http://www.readersdigest.com.au/money/6-surprising-ways-you-are-wasting-money">Reader’s Digest</a>. For more of what you love from the world’s best-loved magazine, <a href="http://readersdigest.innovations.com.au/c/readersdigestemailsubscribe?utm_source=over60&amp;utm_medium=articles&amp;utm_campaign=RDSUB&amp;keycode=WRA87V">here’s our best subscription offer.</a></em></p> <p><img style="width: 100px !important; height: 100px !important;" src="/media/7820640/1.png" alt="" data-udi="umb://media/f30947086c8e47b89cb076eb5bb9b3e2" /></p>

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The big change coming to Coles

<p>Ever gotten a roast chicken from Coles and drove home only to realise it was cold? Turns out, you’re not alone.</p> <p>In order to tackle this problem, Coles has partnered up with Uber Eats to target the time poor consumer market.</p> <p>The collaboration will mean that you’re able to get hot food from Coles delivered to your door in less than half an hour.</p> <p>At the moment, this service is only available in Pagewood, NSW, but if it’s successful, will branch out across the country.</p> <p>In order to take advantage of the hot food delivery, you simply need to order through the Uber Eats app.</p> <p>If you’re wondering why it’s taken so long for Coles to branch out into the delivery food space, you can thank its drivers who gave them the idea.</p> <p>According to Coles director of Fresh Food, Alex Freudmann, customers have also been wanting this service for a while.</p> <p>He revealed to <a href="https://www.news.com.au/lifestyle/food/eat/coles-teams-up-with-uber-eats-to-deliver-new-hot-food/news-story/86c169f3c07ed6f1ae4965c7adc18a8c">news.com.au</a>: “Our delivery drivers are always telling us they see Uber Eats bags on benches.</p> <p>“After observing that customer habits are changing, that they’re even more time poor with less time to cook, we thought this would be a good way to help make life easier.”</p> <p>The idea of the service is to give busy, working people access to a full and proper meal.</p> <p>“We believe this trial will complement the current Coles Online offering by delivering meals in an average of less than 30 minutes, which can be tracked in the Uber Eats app from the time of order to drop-off,” said Jodie Auster, regional GM for Uber Eats Australia and New Zealand.</p> <p>Would you use this service? Is it in your area? Let us know in the comments.</p>

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The $9 designer Kmart knock-off people can't get enough of

<p>The world of candles is a sweet-smelling market, and the French brand Diptyque has reached a big market by appearing on the social media feeds of celebrities and influencers.</p> <p>The catch is though – each candle requires you to dig deep into your pockets for one of their luxury fragrances, costing upwards of $80 just for one candle.</p> <p>However, the crew at Mamamia thinks they’ve found <a href="https://www.mamamia.com.au/kmart-candles-diptyque-dupe/">the ultimate k</a>nock-off, in one of the most beloved Australian stores – Kmart.</p> <p>If you like a floral and rosy scent, much reminiscent of Diptyque’s bestselling smell, <a href="https://www.mecca.com.au/diptyque/baies-candle/V-008665.html#q=baies&amp;start=1">‘Baies’</a>, then Kmart has got your back with their <a href="https://www.kmart.com.au/product/decadent-scent-pink-peonies-fragrant-candle/2087829">$9 Decadent Scent Pink Peonies Fragrant Candle</a>.</p> <p>Alternatively if you’re not much for floral smells, perhaps you’d appreciate a subtle, figgy scent like Target’s <a href="https://www.mamamia.com.au/target-candle-diptyque-dupe/">Fig Leaf and Verbena</a> candle that retails for just $8 – a steep comparison to the French brand’s <a href="https://www.mecca.com.au/diptyque/figuier-candle/V-008666.html#q=diptyque%2BFiguier%2B&amp;start=1">Figuier candle</a> that starts at $48.</p> <blockquote style="background: #FFF; border: 0; border-radius: 3px; box-shadow: 0 0 1px 0 rgba(0,0,0,0.5),0 1px 10px 0 rgba(0,0,0,0.15); margin: 1px; max-width: 540px; min-width: 326px; padding: 0; width: calc(100% - 2px);" class="instagram-media" data-instgrm-captioned="" data-instgrm-permalink="https://www.instagram.com/p/Bj6eqrNg5fN/?utm_source=ig_embed&amp;utm_medium=loading" data-instgrm-version="12"> <div style="padding: 16px;"> <div style="display: flex; flex-direction: row; align-items: center;"> <div style="background-color: #f4f4f4; border-radius: 50%; flex-grow: 0; height: 40px; margin-right: 14px; width: 40px;"></div> <div style="display: flex; flex-direction: column; flex-grow: 1; justify-content: center;"> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; margin-bottom: 6px; width: 100px;"></div> <div style="background-color: #f4f4f4; border-radius: 4px; flex-grow: 0; height: 14px; width: 60px;"></div> </div> </div> <div style="padding: 19% 0;"></div> <div style="display: block; height: 50px; margin: 0 auto 12px; width: 50px;"></div> <div style="padding-top: 8px;"> <div style="color: #3897f0; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: 550; line-height: 18px;">View this post on Instagram</div> </div> <p style="margin: 8px 0 0 0; padding: 0 4px;"><a style="color: #000; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px; text-decoration: none; word-wrap: break-word;" rel="noopener" href="https://www.instagram.com/p/Bj6eqrNg5fN/?utm_source=ig_embed&amp;utm_medium=loading" target="_blank">New candle range at #kmart ⬅️ swipe to see more #kmartaustralia #kmartau #kmarthome #kmsrtstyle #kmartaus #candles #kmartdecor #kmartcandle #newatkmartaus</a></p> <p style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; line-height: 17px; margin-bottom: 0; margin-top: 8px; overflow: hidden; padding: 8px 0 7px; text-align: center; text-overflow: ellipsis; white-space: nowrap;">A post shared by @<a style="color: #c9c8cd; font-family: Arial,sans-serif; font-size: 14px; font-style: normal; font-weight: normal; line-height: 17px;" rel="noopener" href="https://www.instagram.com/bargain_finder_mum/?utm_source=ig_embed&amp;utm_medium=loading" target="_blank"> bargain_finder_mum</a> on Jun 11, 2018 at 10:58pm PDT</p> </div> </blockquote> <p>Although these scents are not exact matches, they share tones and notes that are highly comparable – and saving you a lot of money.</p> <p>The great thing about these discount store candles is not only are they affordable, but the packaging is a thick and heavy glass on-trend with current styles that we know you will be loving. Plus, they're also a great gift idea. </p> <p>Have you tried Kmart’s candle range? Let us know in the comments below. </p>

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