peninapetersen

Can't wait to start our adventure. I'm ...

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Mar 2

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Can't wait to start our adventure. I'm excited!

peninapetersen

A little Tuesday morning inspiration :-) ...

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Mar 1

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A little Tuesday morning inspiration :-) #inspiration #motivation #love #life #instagood #quotes #success #instagram #lifestyle #motivationalquotes #believe #positivevibes #happiness #selflove #mindset #inspirationalquotes #goals #happy #loveyourself #bhfyp #follow #like #art #fitness #quoteoftheday #positivity #yourself #entrepreneur #quote #bhfyp⁣
 Auto Post 9:44 AM (AEDT)

peninapetersen

Had an amazing weekend at this amusement festival ...

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Mar 1

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Had an amazing weekend at this amusement festival at Frankston's beautiful foreshore. I love to venture out in Frankston and capture all that glitters about our great city. Be sure to check out my Instagram account #Frankstongold where I post all the pictures I take with the kids. I'll try to put some up here too. There are so many hidden secrets about this great city. We love living here. It's such a peaceful and stress-free life.

peninapetersen

I'm still very much a kid at heart. I still ...

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Mar 1

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I'm still very much a kid at heart. I still believe in wishing, dreaming and making dreams come too. As a writer I don't think I'll ever lose the kid in me. I hope you never lose the magic. BTW - be careful what you wish for. Your wishes may well come true.

peninapetersen

Finally got my hair and eyebrows done. It was so ...

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Feb 28

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Finally got my hair and eyebrows done. It was so nice to have a day off. I needed it!!!! 

#woman #love #girl #fashion #beauty #style #beautiful #photography #instagood #art #women #portrait #like #instagram #model #girls #photooftheday #follow #me #happy #photo #moda #man #summer #myself #makeup #picoftheday #lifestyle #selfie #bhfyp

peninapetersen

Me too! I must have flowers, always, always! Thank...

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Feb 28

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Me too! I must have flowers, always, always! Thank you Monet.

peninapetersen

Love this delicious smoothie bowl with fresh ...

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Feb 27

Open
Love this delicious smoothie bowl with fresh blackberries, blueberries, banana, sunflower seeds, pumpkin seeds, chia seeds and coconut. Get your glow on every day by eating happy, fresh and delicious smoothie bowls.

peninapetersen

Lacking motivation? I keep a gym box so on any day...

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Feb 26

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Lacking motivation? I keep a gym box so on any day I have everything I need to go for a run. When I wake up I never feel like going for a run. But, I've made a habit of putting my gym gear on. Once I'm in the gear I feel a bit silly if I don't go for a run. Once I'm in my gear (after school drop off), I get out of the car near the beach. Once I'm out of the car, I feel silly standing at the beach not running. So I start running. Once running, there's no way out as people are watching me run and I'd feel silly if I stopped running. After a few weeks my body takes over my mind and wants to run. Then I don't even have to think about it. The body is amazing like that! I just rinse and repeat all of the above every day. Works for me!!!!! And, it all starts with this little gym box.

peninapetersen

I loved this home project. Firstly, moving books ...

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Feb 26

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I loved this home project. Firstly, moving books is a workout! Secondly, this was a nice way to add colour to a bedroom. Finally, colour-coding books makes them easier to find. This is because I always remember the colour of a book as opposed the name or author. I hope you enjoy my rainbow bookshelf as much as I enjoyed putting it together. l

peninapetersen

Want to save but don't know where to start. ...

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Feb 25

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Want to save but don't know where to start. Go old school with these simple jars. Savings is a habit. These are a quick way to kickstart your mind into saving. Think outside the square. Sometimes you have to spend a little to save alot. More on this to come. I've got some amazing goodness for you. Auto Post 4:23 PM (AEDT) Save Changes
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                      7 credit card freebies and rewards you’re missing out on

                      by Penina Petersen
                      April 28, 2016
                      in Bills & Budgeting, Make Money, Mortgages & Loans
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                      When used effectively and with common sense, credit cards are useful. They are handy when making important or emergency purchases, if you don’t have the cash on hand. Since they are accepted almost anywhere in the world, they are useful for paying for goods and services in different countries, rather than paying with the local currency.

                      Depending on the credit card type and company, there are many products available ranging from credit card coupons to sweepstakes.

                      Here’s a quick list of seven credit card freebies and rewards you could be missing out on!

                      1. Travel rewards

                      Many credit card companies offer airline miles rewards. Travel mileage is accumulated according to credit card spend. If you travel for business or pleasure regularly, these rewards can quickly add up.  Be sure to take advantage of your travel miles when embarking on your next trip to Hong Kong, London or New York.

                      2. Cash back cards

                      Cash backs are one the best freebies on offer! Credit card companies will pay back a percentage of your credit card spend. The return is generally 1-5% of your spend. Such benefits are usually offered to customers who pay their credit card bills on time each month.

                      3. Rebates

                      Rebates work the same way as cash backs except marketers, retailers and manufacturers, rather than credit card companies, offer them. Partner retailers or manufacturers such as gas stations and supermarkets often offer rebates. Some companies will also offer frequent flier miles or travel rewards on airline ticket purchases or other travel expenses.

                      4. Purchase protection

                      Purchase protection benefits offer additional warranty on items purchased by credit card. Such credit cards will cover up to 90 days after purchase, and protect your item from damage, theft, and even loss. When applying for a credit card read the fine print to see if your provider offers this freebie.

                      5. Insurance

                      Travel or personal insurance are two common credit card freebies. These are sometimes packaged with travel rewards like frequent flier points or airline miles. Some credit card companies offer a cash payout  in case of injury or death while traveling.

                      6. Waived annual fees

                      This benefit depends on the type of credit card or your credit history. When deciding on a card be sure to check how long the annual fees are waived for. Sometimes these offers only last for one year. After this period, your provider may ask you to pay full price.

                      7. 0% balance transfer rates

                      Many savvy shoppers do away with transaction fees altogether by switching to a card, which offers a 0% balance transfer rate. These cards are great for rolling over current credit card debt into an interest free card – so you can pay the debt off without incurring interest. Just be careful that all payments are made on time each month, as the fees may be considerably higher than a normal credit card, if you miss a payment.


                      Author’s Bio

                      Mark Yasay is the Online Marketing Manager at MoneyHero, a comparison site in Hong Kong helping consumers find the best value for financial services and products. Mark also provides free financial advice for supporting and empowering individuals to meet financial goals and achieve financial freedom.

                       

                      Tags: best credit cardscreditcredit cardcredit card freebiescredit card rewardscredit cardsloans
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                      Can't wait to start our adventure. I'm ...

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                      Can't wait to start our adventure. I'm excited!

                      peninapetersen

                      A little Tuesday morning inspiration :-) ...

                      View

                      Mar 1

                      Open
                      A little Tuesday morning inspiration :-) #inspiration #motivation #love #life #instagood #quotes #success #instagram #lifestyle #motivationalquotes #believe #positivevibes #happiness #selflove #mindset #inspirationalquotes #goals #happy #loveyourself #bhfyp #follow #like #art #fitness #quoteoftheday #positivity #yourself #entrepreneur #quote #bhfyp⁣
 Auto Post 9:44 AM (AEDT)

                      peninapetersen

                      Had an amazing weekend at this amusement festival ...

                      View

                      Mar 1

                      Open
                      Had an amazing weekend at this amusement festival at Frankston's beautiful foreshore. I love to venture out in Frankston and capture all that glitters about our great city. Be sure to check out my Instagram account #Frankstongold where I post all the pictures I take with the kids. I'll try to put some up here too. There are so many hidden secrets about this great city. We love living here. It's such a peaceful and stress-free life.

                      peninapetersen

                      I'm still very much a kid at heart. I still ...

                      View

                      Mar 1

                      Open
                      I'm still very much a kid at heart. I still believe in wishing, dreaming and making dreams come too. As a writer I don't think I'll ever lose the kid in me. I hope you never lose the magic. BTW - be careful what you wish for. Your wishes may well come true.

                      peninapetersen

                      Finally got my hair and eyebrows done. It was so ...

                      View

                      Feb 28

                      Open
                      Finally got my hair and eyebrows done. It was so nice to have a day off. I needed it!!!! 

#woman #love #girl #fashion #beauty #style #beautiful #photography #instagood #art #women #portrait #like #instagram #model #girls #photooftheday #follow #me #happy #photo #moda #man #summer #myself #makeup #picoftheday #lifestyle #selfie #bhfyp

                      peninapetersen

                      Me too! I must have flowers, always, always! Thank...

                      View

                      Feb 28

                      Open
                      Me too! I must have flowers, always, always! Thank you Monet.

                      peninapetersen

                      Love this delicious smoothie bowl with fresh ...

                      View

                      Feb 27

                      Open
                      Love this delicious smoothie bowl with fresh blackberries, blueberries, banana, sunflower seeds, pumpkin seeds, chia seeds and coconut. Get your glow on every day by eating happy, fresh and delicious smoothie bowls.

                      peninapetersen

                      Lacking motivation? I keep a gym box so on any day...

                      View

                      Feb 26

                      Open
                      Lacking motivation? I keep a gym box so on any day I have everything I need to go for a run. When I wake up I never feel like going for a run. But, I've made a habit of putting my gym gear on. Once I'm in the gear I feel a bit silly if I don't go for a run. Once I'm in my gear (after school drop off), I get out of the car near the beach. Once I'm out of the car, I feel silly standing at the beach not running. So I start running. Once running, there's no way out as people are watching me run and I'd feel silly if I stopped running. After a few weeks my body takes over my mind and wants to run. Then I don't even have to think about it. The body is amazing like that! I just rinse and repeat all of the above every day. Works for me!!!!! And, it all starts with this little gym box.

                      peninapetersen

                      I loved this home project. Firstly, moving books ...

                      View

                      Feb 26

                      Open
                      I loved this home project. Firstly, moving books is a workout! Secondly, this was a nice way to add colour to a bedroom. Finally, colour-coding books makes them easier to find. This is because I always remember the colour of a book as opposed the name or author. I hope you enjoy my rainbow bookshelf as much as I enjoyed putting it together. l
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