Tips to Boost your eBucks - 1 July 2018 to 30 June 2019

[Sinbad]

heh, my rate was 10.5%

 

[Soprono]

heh, my rate was 10.5%

Yeah no you win . I’m getting there still, I didn’t know these upgrades reduce the rate till recently so since then Iv been actioning them.

Pretty impressive rate I have to say, nice one!

 

[Filosofer]

heh, my rate was 10.5%

How did you manage that???

 

[Snyper564]

Yeah no you win . I’m getting there still, I didn’t know these upgrades reduce the rate till recently so since then Iv been actioning them.

Pretty impressive rate I have to say, nice one!

You really shouldn't even be concerned about the rate as you really shouldn't be buying on credit. Yes use the credit etc but don't incur interest.

 

[cozinsky]

Damn, just got bumped down 2 levels to L3 today.
I was on L5 for last month since I downgraded my account back to Gold, must of been a glitch that gave me L5 EB.
Went and checked all how I could go up a level now.
Nothing I can do except go into more debt so for me it isn't worth it.
Guess I must just be content with L3 EB now
Still better than a kick in the balls

Really?? It is the easiest thing ever to get on L5 on a Gold Account. And you don't need to make debt to get onto it. I just had a look at the calculator and the first 4 tiers are pretty easy to get. The easiest one to do on the 5th tier is to have a fixed investment of R120 000 for a year, which is a good product to have anyway.

 

[Snyper564]

Really?? It is the easiest thing ever to get on L5 on a Gold Account. And you don't need to make debt to get onto it. I just had a look at the calculator and the first 4 tiers are pretty easy to get. The easiest one to do on the 5th tier is to have a fixed investment of R120 000 for a year, which is a good product to have anyway.

HAHA are you joking!

The easiest one to do on the 5th tier is to have a fixed investment of R120 000 for a year, which is a good product to have anyway.

This might be easy for me and you. BUT not everyone has R120k they can lock down.

Also if you have a bond its better to be in there than this....

 

[Soprono]

You really shouldn't even be concerned about the rate as you really shouldn't be buying on credit. Yes use the credit etc but don't incur interest.

Ofcourse Im concerned about rate. If I can start now and improve my rate then whats to loose? It only helps me in the future to have less fights and convo's to get better rates. Life isnt always scripted and Ill never know when I need to dip into my CC for things out my control.

Credit card is simply topped up every so often so thats not a concern for me but unfortunately not everyone is in that situation and a better rate is advantageous to all regardless of your debt standing.

 

[Snyper564]

Ofcourse Im concerned about rate. If I can start now and improve my rate then whats to loose? It only helps me in the future to have less fights and convo's to get better rates. Life isnt always scripted and Ill never know when I need to dip into my CC for things out my control.

Plan for the unexpected then.. start building your nest egg now, cut down exp now rather than trying to get a good rate.

 

[Sinbad]

How did you manage that???

Good credit history I guess. Either that or the algorithms are broken, especially considering the limit they offered me

 

[Pineapple Smurf]

Really?? It is the easiest thing ever to get on L5 on a Gold Account. And you don't need to make debt to get onto it. I just had a look at the calculator and the first 4 tiers are pretty easy to get. The easiest one to do on the 5th tier is to have a fixed investment of R120 000 for a year, which is a good product to have anyway.

R120 000 a year investment I'm not Rockafella, I'm the broke fella.
Lucky if i have R45 at the end of the month

 

[Soprono]

Plan for the unexpected then..

Perfect World Scenario again. You plan for the unexpected, what do plan for? How much do you put away for the unexpected in a month? How much beyond your standard savings extra do you put away for this unexpected event? Whats the balance between actually living a good rewarding life vs what I just dump into a savings and investment account?

Some things just cannot be controlled. Im not saying its unplanned for my savings portfolio is very handsomely managed however there are things it simply cannot and wont cater for.

If everyone and everything was "manageable" in life none of us would need a credit limit. Some people just have better "backup funds" than others I guess.

 

[airborne]

Just a quick one guys:

On Gold rules does the following one count for Savings Pocket also:

1. Maintain a monthly balance of at least R7 500 across your FNB Savings Account(s).

It is a type of savings account so it should:

I personally hardly use it and would rather just open a 7 day / 32 day notice account for that type of stuff. My 32 day account runs in accordance with the eBuck rules and is there for anything in the future to come. Helps knowing it’s locked away at a semi decent interest rate and can’t just be transfer out right now without a penalty so I prefer that vs my savings pocket.

The savings pocket counts and offers pretty decent interest around 5.5% last I checked, thanks to Capitec forcing their hand

 

[I.am.Sam]

R120 000 a year investment I'm not Rockafella, I'm the broke fella.
Lucky if i have R45 at the end of the month

move over to islamic banking

level up done

 

[Gtx Gaming]

Not ebucks related, but we finally have samsung pay support! (some cards are working)

 

[Pineapple Smurf]

move over to islamic banking

level up done

im a 47yr old whitey

 

[thunder&milkshakes]

im a 47yr old whitey

Not sure if you were just joking, but you can still open an Islamic account. They open to everyone.

 

[rph72]

Not sure if you were just joking, but you can still open an Islamic account. They open to everyone.

Jip. I concur.

 

[Pineapple Smurf]

Not sure if you were just joking, but you can still open an Islamic account. They open to everyone.

But i are white south african half british half bonehead, no islam in my body.
I love bacon

 

[Awesum]

Not ebucks related, but we finally have samsung pay support! (some cards are working)

You're a bit late to the party. This has been discussed here already.

 

[Diderot]

heh, my rate was 10.5%

My rate was 9.25% until I applied for a limit upgrade.... Banker then told me the system oddly increased the rate to 10.25

Not too worried..... Don't use credit for it to make a difference