{"id":367,"date":"2008-10-15T18:38:09","date_gmt":"2008-10-15T17:38:09","guid":{"rendered":"http:\/\/cyberelk.net\/tim\/?p=367"},"modified":"2014-05-20T09:09:12","modified_gmt":"2014-05-20T08:09:12","slug":"stoozing-calculator","status":"publish","type":"post","link":"https:\/\/cyberelk.net\/tim\/2008\/10\/15\/stoozing-calculator\/","title":{"rendered":"Stoozing calculator"},"content":{"rendered":"

Now expendable<\/a> can make calculations for stoozing<\/a> as well.\u00a0 Stoozing, if you haven’t heard that word, is when you pay for things on a credit card that charges 0% on purchases so that the amount you would normally pay off the card with each month is moved into a savings account instead.\u00a0 This way you can earn interest until the 0% period ends.\u00a0 Here’s an example.<\/p>\n

<\/p>\n

First, start expendable and create a new account tree with a savings account in it.\u00a0 Set the interest rate to, say, 6% AER.\u00a0 Limit the modelling period to 1 year.<\/p>\n

\"\"<\/a><\/p>\n

Now we want to add income and expenditure.\u00a0 Let’s say we’ll be spending all of the \u00a3500 that comes in each month.\u00a0 To do this, add a new account of type “Extra income” and set the amount to 500, then add a new account of type “Spending” and set the amount to 500.\u00a0 Our savings balance remains at 0.<\/p>\n

\"\"<\/a><\/p>\n

Now we want to put our spending on a 0% credit card.\u00a0 Add a new account of type “Credit Card (Promotional Rate)”.\u00a0 For this example we’ll leave most of the settings at their defaults: 0% interest for 12 months, with 3% or \u00a35 to pay off each month.\u00a0 Let’s adjust the limit to \u00a33,000 though.<\/p>\n

To move the spending onto the credit card, select the spending account and change its linked account.<\/p>\n

\"\"<\/a><\/p>\n

Now you’ll see a graph showing the balance of the savings account and of the credit card for the first year.\u00a0 In this example we’ve earned over \u00a395 by stoozing.\u00a0 Notice how the credit card balance gets near to the limit and then stays there: this is because each month we are paying the minimum payment, and are able to load the same amount again onto the card at 0%.\u00a0 When the limit is reached, the remaining amount to be spent is taken from the savings account.<\/p>\n

\"\"<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"

Now expendable can make calculations for stoozing as well.\u00a0 Stoozing, if you haven’t heard that word, is when you pay for things on a credit card that charges 0% on purchases so that the amount you would normally pay off the card with each month is moved into a savings account instead.\u00a0 This way you […]<\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2}},"categories":[3],"tags":[17,15,96],"class_list":["post-367","post","type-post","status-publish","format-standard","hentry","category-software","tag-expendable","tag-money","tag-software"],"yoast_head":"\nStoozing calculator - 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