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Thread: Lets try to name 1000 money saving hints!!!

  1. #91
    Senior Member shopaholic's Avatar
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    #91 If buying a house don't apply for too many credit cards or loans, cancel credit cards that don't get used and check your credit file to make sure it's good. It's kept for 5 years, also if going for a home loan spell everything out to the person at the bank responsible and make sure they think you can get it before going through the official process. This stops the chance of rejection and a bad listing on your credit file.

    Gav has posted previously on how to get your credit file for free: How do I get a copy of my credit report? OAIC find your credit score. it takes a bit of time but do get it to give you knowledge for your application.

    post 2 of how to get your credit file for free:
    How do I get a copy of my credit report? OAIC find your credit score.
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  2. #92
    Senior Member shopaholic's Avatar
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    #92 make your own cakes. I know Learn to Cook has been here before and that is a great tip, I still feel that this needs to be listed as a separate tip that you can watch instructional videos on youtube and learn to make fun and different cakes. I've just posted one of my favourites for parties here.

    Make A Giant Cupcake Pinata from Chocolate! - A Cupcake Addiction How To Tutorial!! Youtube.

    we fill ours with liquor filled chocolates, I've purchased them in the past but really want to try and make my own ones with liquors I like more as they're often brandy, cherry liquor or cointreau.
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  3. #93
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    Tip #93 Don't buy extended warranties!! You're often covered by consumer law.

    I keep getting offered extended warranties for things like printers, I was buying a Canon PIXMA MG2260 which is less than $50 and the shop offered me an extended warranty at $20. To give me an extra 1 year warranty on a printer that was so cheap is just stoopid!!!!

    It drives me nuts that we live in a world where things that shouldn't break in a short time do or they're programmed to do so.

    Often an extended warranty gives a year or 2 on top of what you normally get covered by the manufactures warranty. How often have you found a fridge that works for the first 2 years under manufactures guarantee to fail in the 3rd year? I've never had that happen. My fridge and washing machines have been abused with heaps of beer in both (fill the top loader washing machine with ice and beer cans) and are now both over 10 years old and are still going.

    This page can help with finding out about your rights for repairs and replacement:
    The Australian Consumer Law at the shops
    Still doesn't go far enough even the PDF doesn't illuminate much more. We need to have a consumer lawyer on here to help, I've not needed one but others might.
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  4. #94
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    Saving Tip number 94: I couldn't find this one - Turn things off - if you're not using them turn things off, my house is constantly full of rooms being lit up like Christmas trees and no one in them, I spend half my evening going around and turning lights or other electrical equipment off.

    I'm looking at getting one of the remote control power boards that Gav posted. Discount sale on Energy Consumption Control Meter and Power Board from Wallcann. so that I can use the remote anywhere in the house and turn things off!
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  5. #95
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    Tip 95 make sure you get the most out of tubes and cartons of liquids or shampoo etc.

    #95 - Always take the top off the bottle of things to get the last out. If it's a tetra pack with a hole (such as a popper) that has a screw top or straw hole make sure you cut the top corner off the packet to get a bit more out of it, this finishes off more of the packet and means you have to open the next one slightly later, not going to save a heap but can help.

    My wife uses almond milk and you'd be amazed at how much extra you get out of them may be 1/50th of the carton. Every time you go through 50 cartons you basically an extra carton that you've paid for already but you wouldn't have gotten if you didn't cut the corners off.
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  6. #96
    Gav
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    Lower the brightness of your screen to save on battery life and electricity bills.

    tip #96 Today my tip looks at a small amount of energy saving. Don't have your screen on full brightness all the time. I've often had friends show me their laptops or phones in dark rooms with the full brightness on. I've read that having an iPhone at it's lowest brightness setting can give you around 6 and a half hours and with it at it's brightest just 3 hours.

    I'd gather it'd be worse for laptops, tablets and anything with bigger screens. So dim the brightness and save some cash!

    Later this week do some testing of a 15.6" Toshiba laptop screen, run video files at full brightness and then charge the battery and run the same films at the lowest brightness setting and see how long the battery lasts.

    If you need help lowering the brightness on your devices drop me a line and I should be able to help, I love my gadgets!
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  7. #97
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    97 Take a budget and a calculator when you go to the super market. I often found I was over spending when I went to the supermarket and couldn't work out why. I'd take a list and then buy everything on it, not deviate from my task.

    I realised I was buying more of what I needed on the list. Things often went off and were then thrown out. I now get fresh fruit and vegetables in smaller quantities and get them more frequently on my home from work. It does mean an extra 5 to 10 minutes 2 or 3 times a week but it saves wastage.

    I now get to my budget and then look at what's in my trolley and remove anything that I don't really need.

    I use the Memory + function to keep everything in the memory of the calculator so that I can then use it for working out size to price ratio to make sure I'm getting the best deal. Bigger is not always better for a per/kg price as I always thought it was.
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  8. #98
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    Gav have you done your brightness money/battery saving test? Do you have an iPhone? Or is there an app to do this test for someone who does?

    98
    Save as big a deposit for buying a house as you can and you may get a better deal on your home loan. 20% plus is often a good starting point if it's doable. However weigh everything up if you're paying a lot on rent and you won't have that cost once you're in your own home then continuing to save might not be a good idea. Also if you're spending all your time saving and you don't jump into the market you may miss out as prices rise. From reports I've read market is ticking along at about inflation and as long as you earn more than that in savings then you should be fine.

    98a read this article on how to avoid Lenders Mortgage Insurance LMI How can you avoid Lenders Mortgage Insurance? / Ask Heidi Blog / Help & Info / Award Winning Non-Bank Home Loans - Resimac once again it's about having a larger deposit to save on fees.
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  9. #99
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    99 - expanding on tip 26 - join a library.

    Know what your library offers. Yes the offer books - we all know that! but Brisbane city council libraries for example also offer membership to a website called "Freegal" which allows you to legally download 3 free Mp3's per week - often with some BRAND NEW albums. They also have begun offering ebook downloads (although as of yet I haven't had a good fiddle around with that) and they also often offer assorted workshops - everything from gardening know how through to computer program know how.

    Also if you don't really care about reading magazines as soon as they come out you can get some great reads without paying $10+ a month. I also used my local library to flick through their bridal magazines as well as grab a book on how to make paper based decorations for my wedding.
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  10. #100
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    tip 100

    There has been a tip about collecting water in your sink when you wash your hands as well as a tip about fixing any drips or leaking hoses ... But nothing about collecting water while you're waiting for the hot water to kick in.

    It takes 3 litres of water after I turn the hot tap on before hot water starts flowing through my pipes. So I collect it. I've got quite a few cleaned out 3 litre juice bottles that I use to store my water in for a few uses. The water I collect in the kitchen before I do the dishes gets collected and stored in the fridge for drinking water (and also to help keep the fridge that bit full/cooler and thus more efficient as per the beer out beer in tip) but I also collect water when I'm about to have a shower which I use to top up the cistern in the toilet (ie I flush normally and then go grab the water to tip it into the cistern - depending on the 1/2 or full flush function it's at least 3 or 6 litres each time). If collecting it for the toilet cistern isn't for you - what about collecting it for watering your plants? I know some people collect the dirty water (or semi-grey water) as they're in the shower for this purpose also - I personally just stick to the clean water. It also means I always have a stash of clean drinking water for in case of a natural disaster/emergency.

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