hahaha so in total you did 1 average day (well only if there was no break)
opening you own place you will probably end up doing 80-100 hrs a week untill it's making cash back. EOTD every 40/w you d is 50k a year that you aren't paying somone else to do it .
we still need to have that drink... you free this week?
Personal loan is the safest option.
atm westpac are offering a 12.9% from memory.
dont go the cash out then balance transfer method, as you will then have 3 x enquires on your veda report within a year and the balance transfer might get knocked back.
what is the story with your homeloan? is there an interest only portion? cos if there is i'd be staying away from excess credit until this is over as the loan will be reviewed at when it reverts to principle and interest.
personal loan is the safest option if a 5k redraw is not available to you.
just remember that every redraw will be visibale to a banker when you wish to restructure the product, and as such you always want to keep this at a minimum.
with a credit card you have to be more vigilant and make sure the payments are made on time, not early, not late and if you pay just the minimums on 5k you will be paying that for approx 15 years, whereas a personal loan will be 5-7