What to do when your bank (balance) won't let you go to Splendour 2016
If you're a fan of good music, good vibes and general frivolity, then you've likely seen the epic Splendour in the Grass lineup that's been announced for 2016. The likes of Flume, The Cure, Sticky Fingers, The Strokes and – God willing – you, will be there soaking up the sights and sounds of Byron Bay while trying to survive without the sunshine – it's winter, remember. Now all that's left to do is purchase your ticket, but, as per usual, your bank account just doesn't understand how you want to live your life.
Does this sound like a situation you're in?
- You're an unfortunate soul who receives your pay monthly and won't be paid until after the first release tickets come out
- You spent all your money on a fancy Splendour tent for you and your friends and none of them have paid you back yet
- You've forgotten to budget (again) and even two months of scrimping and saving won't get you to the festival
- Your mum and dad refuse to fund a three-day Bryon festival adventure (again)
If you're in one of the above, or any other cash-strapped situation, don't worry – finder.com.au has sorted out some ways that will get you to Splendour in the Grass.
Solution 1: Get a line of interest-free credit with no fees
Want to way to pay for your tickets now and pay them off without incurring interest? You can consider applying for a 0% purchase card with no annual fees. These cards offer you a promotional rate of 0% p.a. interest on purchases for a certain period of time, some for as long as 13 months. This essentially gives you an interest-free line of credit and a way to pay off large purchases, like your Splendour tickets. They key is to budget properly so you can pay off your debt before the interest kicks in.
After you pay back your debt, you can simply hold onto the card to use in emergencies – if it charges no annual fee then it won't cost you anything to hold unless you use it.
Solution 2: Put your tickets on an existing credit card and then transfer your balance
If you already have a credit card with sufficient credit, you can put your tickets on there. Once the transaction has been approved you can take a look at the balance transfer credit cards that are available. These cards let you transfer a balance from an existing card and pay 0% interest on the transferred debt for a certain period of time. Certain cards offer long-term interest-free periods, as long as 24 months, giving you a generous amount of time to pay down your debt (that's two Splendour's worth of time!). As it is with the 0% purchase cards, balance transfer cards that charge no annual fees can help keep your ongoing costs down.
As it is with the 0% purchase cards, balance transfer cards that charge no annual fees can help keep your ongoing costs down. At the end of the balance transfer period, if you haven't repaid your entire debt, a revert rate will apply to the unpaid balance. Check what the rate is, but try and budget your repayments so your debt is repaid before this rate is applied.
Solution 3: An overdraft or personal can give your finances an extra boost
Want to take a look at your other personal financing options? Banks and other lenders offer personal loan and overdraft products that offer benefits like fixed repayments, low fees and lower rates than credit cards. Some banks offer same-day personal loans as well as convenient products like overdrafts, where a credit limit is attached to your transaction account for easy access. With an overdraft, you'll only pay interest on the amount you use and you can often get a limit as low as $100.Back to top
What else you need to tick off on your Splendour checklist
- Your Splendour outfits.
Yes, yes, we know, Splendour isn't a fashion show – but you want to look as good as possible when you're traipsing around the campsite not having showered for three days. Luckily, you can get outfits for cheap by using a promo code to save on your online purchases.
- Your transport.
There's a huge range of public transport options available, from trains buses and car share. If you're travelling long distances, why don't you look at ways to save on your flight by getting a frequent flyer credit card? Some of these cards give you bonus points just for signing up, which can mean a free flight for just making your first eligible purchase or meeting the eligible spend criteria on the card.
- Your essentials.
From baby wipes to camping gear, there's always a growing list of things you need to pack – but no list is every longer than the list of things you forget to bring. Trawl through the forums if you're a newbie and see what other recommend. If you're a seasoned Splendourite, try to remember the things you could barely live without last year and pack them first. Dry shampoo, torches, sleeping bags and a tent might be a good place to start. Happy packing!
Splendour in the Grass is a much anticipated event on the Australian festival calendar. Why else would warmth-loving Aussies head to a beach-town in droves in the middle of winter to camp? So after you've sorted your ticket and done your best to pack, all that's left to do is to Instagram the entire weekend to make anyone not in attendance wish they were.
The main acts like...
The Cure, The Strokes, At The Drive-In, Flume and Boy & Bear
The Australian favourites...
The Avalanches, Violent Soho, Courtney Barnett and Sticky Fingers
The complete list...(in no particular order)
The Strokes, The Cure, Flume, The Avalanches , James Blake, At The Drive-In, Violent Soho, Hermitude, Sigur Ros , Santigold, Matt Corby, Sticky Fingers, Boy & Bear, Courtney Barnett, Jake Bugg, The 1975, Leon Bridges, Duke Dumont , James Vincent McMorrow , The Kills, The Preatures, What So Not, Years And Years, Gang Of Youths, Illy, Peter, Bjorn & John, Band Of Horses, Golden Features, Crystal Fighters, Ball Park Music, Tegan & Sara, DMA'S, Jack Garratt, Hayden James, City Calm Down, Snakehips, Mark Lanegan, Michael Kiwanuka, Jagwar Ma, King Gizzard & The Lizard Wizard, The Jungle Giants, The Internet, Motez, Marlon Williams, Lido, Emma Louise, Kim Churchill, Nothing But Thieves, Lapsley, Kacy Hill, Slumberjack, Robert Forster , Beach Slang, Urthboy, Little May, Boo Seeka, Ganz, Spring King, Melbourne Ska Orchestra, Fat White Family, Total Giovanni, Methyl Ethel, Slum Sociable, L D R U, In Loving Memory of Szymon, Blossoms, High Tension, Roland Tings, Sampa The Great, The Wild Feathers, Harts, Ngaiire, Montaigne, Tired Lion, Green Buzzard, Jess Kent, Gold Class, Lucy Cliche, Opiuo, Mall grab, Dom Dolla, Paces, Just A Gent, Dro Carey, Running Touch, Wafia, World Champion, Sui Zhen, Remi, Nicole Millar, Dreller, Feki, Kllo, Banoffee, plus, Moonbase Comander, The Meeting Tree, Twinsy, Purple Sneaker Djs, Human Movement, Planete, Swick, Amateur Dance, Ribongia,