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

  1. #101
    Gav
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    Tip 101: Read more books.

    Great tips Matakau, had to look up about Freegal there's more about it on Ku-ring-gai Library website: Ku-ring-gai Library - Freegal music

    and direct link here:
    Freegal Music : Your New Music Library : Home

    Also interesting ideas about the water, I'm currently in Edinburgh Scotland and we have a fixed monthly fee and after moving here from Oz I was always trying to save water for the garden etc. Then my garden flooded and I realised there was little point, but now I think I'll do the water in the fridge thing as water coming out of the tap especially in winter is quite cold and will fill a lot of unused space in the fridge.

    My dad, generally a sensible man an electrical engineer, who has rarely cooked on gas was over here from Australia in March this year and he said to me "Gas takes a long time to boil the water on the stove" I replied, "Dad the water probably comes out 10 to 15C colder than it does back home"

    Tip 101: extending from turn off TV (tip 71) and joining the library: Read more books. If you choose to read more books over watching TV it's going to save on power bills.

    If you're like me you've probably got a fair few unread books that you've impulsed purchased (I'm getting a lot better at not doing this) or been given as gifts, now is a great time to get into them.

    Reading more can teach you about the world around you, give you ideas or just take your mind into a different and exciting place.

    I've been catching up on old explorer journals that I find fascinating. I've really enjoyed the eccentricity of Mary Kingsley: Mary Kingsley - Wikipedia, the free encyclopedia
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  2. #102
    Gav
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    Tip 102: take up a hobby that doesn't cost a lot.

    I was a landscape photographer until I broke an ankle, tore and detached a few ankle tendons. It was my job and my passion, once you have a camera you can get out into any location and find great and dramatic landscapes, however after the injury walking causes too much pain and I needed to find something else that didn't cost a lot of money as I was trying to save as much money - the reason for starting the money saving sites.

    I started bird watching, it's a big thing in the UK and can cost a lot of money if you buy all the expensive gear top of the range binoculars, telescopes, long camera lenses etc. To keep costs down I do a lot of garden bird watching and although I've always had an interest, here's a few of my photos from Sydney: https://plus.google.com/+Wbist/posts/DLBYTHEU1qU - I started taking records of the birds in my garden, it means I don't have to walk far and I've found it interesting... Obviously not for everyone it really is the train spotting of the wildlife world.

    There's probably 100s of free or very cheap hobbies, or even a free to play sport.
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  3. #103
    Gav
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    Tip 103: No. 1 Money saving tip for existing borrowers: call your lender and ask for a cheaper rate


    Thanks for The Money Store for this: No. 1 Money saving tip for existing borrowers: call your lender and ask for a cheaper rate - The Money Store
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  4. #104
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    Join Seed Swap groups or grow your own food, fruit and vegetable groups.

    Oh wow we're over 100 money saving tips already!!!

    Tip 104: Join a seed swapping or a food swapping group - before you get any dodgy ideas no the seed swapping group isn't for swingers!!! I'm hoping to buy a house with a small garden this year or might be in the early next year, was really hoping for Christmas and am getting excited about having a garden. I really want to get it going and even though seeds can be very cheap free or a swap is better, although I've not got anything to swap yet I am looking forward to it!!!!

    Swapping Seeds:
    Swapping Seeds | Sustainable Gardening Australia

    Swapping Food:
    Food Swaps | Sustainable Gardening Australia - sadly the link to the forum about where you can find seed swaps doesn't work

    Another forum from gardenweb.com where you can post about the seeds you want or have to swap:
    Australian Garden Exchange - GardenWeb
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  5. #105
    Senior Member shopaholic's Avatar
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    105: buy loose fruit and vegetables, I've started to notice these are cheaper in my local supermarket and you only have to buy what you know you're going to use, less wastage and less spending, plus less lugging around weighty bags of apples and oranges. That has cut down on gym time in the past obviously or needed to be rewarded with an extra freddo

    My tip on getting rid of gym membership: Lets try to name 1000 money saving hints!!! good to incorporate exercise into everyday life rather than paying for gym membership.
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  6. #106
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    Money Saving hint #106: Look at your mortgage; generally your house is going to be the most expensive thing you'll ever buy and with interest rates dropping at the moment it might be a good idea to check over your mortgage.

    Make sure you shop around and get the best mortgage you can can, don't just accept the home loan your current bank is offering you, bank loyalty only helps the banks and it's now pretty easy to move to a better deal elsewhere. Use a Home Loan comparison site or do your own research into it through banks and building society websites.


    A friend that got a home loan in November 2013 has just come to to the end of a 3 year loan, which they'd fixed for 3 years at almost 8%, now the rates for 3 years are 5.7% but they've decided to fix for 5, even though it's slightly more at 5.9% they think it's worth the certainty and it's already 2% lower (around $300 a month on a $250,000 home loan) than what they've paid for the last 3 years as rates have been dropping and they were missing out.

    Tip #106a
    - If you are getting a lower interest rate on your home loan and your lender lets you over pay, and you can afford to do so this is a great way to cut down the amount of money owing on your mortgage meaning you can be debt free quicker.

    Overpaying on your home loan can save you a lot!
    I'm not sure how much my mates said they borrowed and I'm using the sum of $250,000, 3 years into loan and now close to 6% interest, very rounded numbers:

    If my mates can put the full $300 per month they're saving into paying off the loan they could shave 5 years off the loan and save about $57,000 in interest.

    If they could have added $300 per month at the very start of their loan when they were paying nearly 8% it could have knocked 7 years off the loan and saved them almost $117,000 in interest - if the loan continued at around 8% which lucky for people with home loans it hasn't.

    I can't find a good Mortgage Overpayment calculator for Australia, this one's from HSBC UK:
    https://mortgages.hsbc.co.uk/overpayment-calculator
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  7. #107
    Senior Member DealDude's Avatar
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    Been a while since anyone's posted in here.

    #107 - With new years resolutions around the corner think of something you can give up, many try giving up smoking which will save a lot of money if you can stop!!! I'm giving up takeaway meals and going to try and cook at home all of January and see how I get on. Might try giving up my daily 2 or sometimes 3 cups coffee from cafes as well and try the homemade stuff. Going to be tough!
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  8. #108
    Senior Member shopaholic's Avatar
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    I've been so busy with the bargains I've not added any tips very sorry. This one might be a bit late now a lot of the sales are over.

    Tip 108: Don't be swayed by bargains - think to yourself do you really need it? Or do you REALLY want it?? I've found myself going oooh that looks great and it's on sale, I might grab it. I'm trying to save for a mortgage and this is not helping!!

    Best thing to do with the sales is write out a list of things you need, and what you really want, you have to treat yourself , then stick to the list. I also wrote out the prices before the sales started that way I knew if it really was a sale
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  9. #109
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    Tip 109, don't iron a lot of your clothes: this is one I picked up whilst backpacking and if you wanted to iron anything you often had to pay to hire the iron.

    One of my big money saving tips is give up ironing, now everything's made of almost crease free materials there's no real point, once you put the clothes on they sit right and look good. Ironing reduces the life of the clothes and doesn't make them much neater. Obviously certain work shirts or formal clothes need to be ironed, but even a lot of them don't if you hang everything up. Not ironing saves time, money and wear and tear on your clothes!

    I make sure to hang my clothes on the washing line as straight as possible to reduce creases and even now due to lack of hanging space I keep everything in drawers and you wouldn't be able to tell any of my clothes aren't ironed!
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  10. #110
    Senior Member shopaholic's Avatar
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    Gav I don't know if I could get away with not ironing might be ok for you, but I think it's tougher for us ladies!
    #110 Make sure you compare your home insurance every year, don't just accept the new offer from your insurance agent - There's a lot of companies out there that let you compare home insurance, just search for compare home insurance in google or yahoo. Also do a quote on the company you're currently with on their own website, you'd be surprised it often comes out cheaper and can save you up to $100 a year, or at least it has for me .

    I don't know how insurance companies get away with sending out higher premiums for renewals than new customers, shouldn't a company want to keep customers they already have? Saves on advertising bills and stops customers that might be loyal if treated well from leaving!
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