Money

Add delivery fees, compare instalments and check what cashback returns. Worked examples show the full payment and when money leaves your account.

16 notes

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Adding more to spend less

Adding an item can remove a delivery fee and still raise your bill.

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Hours to earn. Seconds to spend.

What cashless-payment research can tell us about a very quick decision.

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Compare the delivered price

Add delivery and other fees before comparing two meal offers.

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The price that arrives at the end

The cheaper ticket can become the dearer one when fees appear at checkout.

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Before you confirm a payment

Check the recipient and amount shown by the payment app before authorising.

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Small purchases, seen together

Several small charges add up. Keep refunds visible when you total them.

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The monthly number and the total price

Add every instalment and required fee, then check when each payment is due.

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When a refund becomes store credit

A shop balance can bring you back to spend again. Check the refund destination.

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The day a free trial becomes paid

Record when the first charge is due and where you need to cancel.

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What cashback actually gives back

A capped reward or future voucher may be worth less than the headline suggests.

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Saved payment details and the review step

A saved card makes paying easier. Check the amount and terms of each new order.

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Overlapping instalments

Payments from several purchases can fall due together. Put them on one schedule.

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Loyalty points and their expiry

Check what points can buy and whether using them requires another purchase.

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When a membership price pays for itself

How many already-planned orders would cover the membership fee?

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Annual price, monthly use

Paying for the year can save money if you use it long enough.

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Reading a coupon cap

“40% off, up to $10” gives a $10 discount on an $80 basket.