As I sat and waited for 2011, I had this nerdy edge to do this CC Analysis again.
Credit Card: BPI Edge with E-Credit
Penalties Paid: Php 0
Annual Fee: 0. Easily reversed, no need to fight for it.
Period: January 2010 and December 2010 (12 months)
Percentage of Expenses swiped in CC: 37%. (Expenses is defined as Net Income less Savings/Investments).
Lowest amount swiped - Php 90++ for junk food
Hight amount swiped - Php 4,000+ only. My biggest purchase of the year - an LCD TV - was paid for in cash.
The 2010 CC Pie Chart
Necessary Stuff, 11% Halved from 2009 - since I didn't buy a laptop this year. Still includes my eyewear, really-must-have books and magazines, haircut and music-related purchases.
Clothes, Shoes and Accessories, 21%
Up from 19% in 2009.I bought less shoes this year because I lack space and I diverted the fund to travelling. I got more interested in using make-up because of the four weddings I attended this 2010. Not bad. I am not out of control here.
Food- 27%
Up from 20% in 2009. Lots of family meals, friends meals and my office snacks. So that's where the pounds came from. (Grrrrrr)
Naki-Swipe - 13%
Almost the same rate as last year. I still volunteer my CC for swiping purposes. .
Gifts - 7%
Did I become more kuripot this 2010? Down from 9% in 2009.
Travel - 6%
Online ticket purchases, travel gears, travel stuff (sublock, food, etc.).Same rate as at year. And I thought I travelled more this year.
Donations - 7%
My sponsorships billed thru my credit card. I also signed up as a sponsor in WWF. Less hassle in paying. Nakatulong ka na,may points pa!
Whatever stuff - 6%
Doubled from last year. Looking at the breakdown, it really comprises of the "whatevers" - slippers, random stuff from National Bookstore, random stuff from Landmark. Gotta keep an eye on this on 2011.
Entertainment - 2%
Movie and concert tickets. Same rate as last year. A measly 2% for my share. I so love Ayala malls for accepting BPI CCs to buy movie ticketts.
Amount of Monthly CC Swiping:
Spikes:Less spikes for 2010 compared to 2009.
May - bought CDO tix, Swiped for others more than usual.
That's it! No spikes even for December 2010. And all my gift purchases are already in my December billing statement.
Freebies analysis:
BPI promos sucked this year. Sucked big time. There were gap periods with their promos. They had this Timezone promo I completely ignored. I just claimed a total of 11 free items - with a retail price equivalent to approximately 1,000? Or less. I hated the Goldilocks promo too. I hope they offer better deals this 2011.So all in all, my CC usage looks pretty good and almost boring for 2010. No major cc swipings done. No interests and penalties paid. Let's hope I can keep this up this 2011!
