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

  1. #41
    Senior Member shopaholic's Avatar
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    40. freeze your credit card. I did this for 6 months to get my credit card debt under control

    by freeze I literally mean freeze it, get tub of water and put the credit card in it and then put it at the deepest part of the freezer and freeze it, this way you can't impulse buy and it's there or emergencies.
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  2. #42
    Gav
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    Money Saving Tip 41 - Make sure you fix leaky taps.

    41. Money Saving Tip - Make sure you fix any leaky taps, I know this isn't going to break the bank, but a very persistent leak can eat through a litre per hour, water from what I can find can cost up to 0.0034401cents a litre, so one bad leak on a tap can cost you $30 a year.

    That example is for a really leaky tap, a slow leak would cost you about $1.25 a year. 2 or 3 taps leaking is still going to be annoying.
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  3. #43
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    42. Pay your bills on time! If it's your first time and you've been a customer with them for a long time contest it!
    I slipped up and forgot to pay my Vodafone bill on time and they charged me $10. I had the money and paid the next day it was just I forgot and I don't like direct debit as I don't always have the money in the bank and my bank charges me... I was just trying to find out how much the bank charge me as it used to be $25 but I have been good of late, National Australia Bank now have no charge! September 1 will see the end of your overdrawn fees - NAB I maybe able to go back to direct debit!!!

    This is from Vodafone:
    How much it costs

    Late payment fees are charged at $10 per month, for every month that your bill payment remains overdue.

    I rang Vodafone and asked kindly that it was the first time in 5 years and they let me off thanks Vodafone!
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  4. #44
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    43. Pay attention to letters from your bank, I hadn't read about NAB cancelling the fees for overdrawn account and after a few $25 fees a few years back, doesn't seem as long ago as 2009, I cancelled all my direct debits and started paying attention to where my money was going and paid my accounts on time until recently.
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  5. #45
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    44. Check your bank statements, make sure you don't have any unnecessary direct debits or BPAY transactions.

    With my first mobile phone I stupidly accepted the third party phone insurance and they were taking out $12 a month and I only realised 6 months after I'd upgraded from Optus to Vodafone with a new handset that I was still paying this mobile insurance for a phone I no longer used, it was in my drawer probably still is!

    --
    Edit by Gav:
    I'd put this in at 62 and realised you'd written similar remarks, I hope you don't mind me adding it here, it's very similar to your experience:

    do a full check of your bills and credit card statement to make sure you're not paying anything you don't want / have to.

    I was chatting to a friend and they told me they had told their mobile phone company they didn't want phone insurance, but after checking their bank statement they found that they were getting charged for it and had been for 6 months, it was under a different company name which made them suspicious. They rang the bank to find out what it was and when told were not happy, the bank put a hold on any further repayments and even offered to get the money back from the insurance company. It all worked out, but if they were not vigilant and questioning about the money coming out of their account they may never have known.
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  6. #46
    Gav
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    45. Insulate your house, How to Install Insulation - Bunnings Warehouse.

    45.
    Insulate your house
    One of the best ways to save money and stay comfortable is to insulate your house, if you can only afford to do part of your house start with the coldest parts, over time the savings on heating should start to cover the cost and you can insulate further areas.

    Insulation can also keep your house cooler in summer, Bunnings have a few tips on how to insulate, and sell decent bats: How to Install Insulation - Bunnings Warehouse
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  7. #47
    Gav
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    46 Look through your receipts and see where you can cut back on spending.

    46. look through your receipts, if you know where your money's going you can get more control over it.

    Update: just found out about the TrackMySpend Ap by ASIC:
    https://www.moneysmart.gov.au/tools-...ls/mobile-apps
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  8. #48
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    47. Make a Budget and stick to it.

    47. Make a Budget, after you've done 46 and looked through your receipts and know where your money is going then create a budget and stick to it.

    Money Smart by ASIC have some tips and great tools for this:
    How to budget - Tips From Heidi and Andrew - MoneySmart


    Heidi and Andrew from the MoneySmart team share their top tips to get your budget up and running.

    Use MoneySmart's free online budget planner at https://www.moneysmart.gov.au/tools-a...

    The main ways you can do your budget planning is by:
    1. Tracking Your Spending
    2. Getting Organised
    3. Doing A Budget

    MoneySmart is a website run by the Australian Securities and Investments Commission (ASIC) to help people make smart choices about their personal finances. For more money tips and information visit https://www.MoneySmart.gov.au or visit our Facebook page at http://www.facebook.com/MoneySmartAu


    Budget Planner from ASIC MoneySmart:
    https://www.moneysmart.gov.au/tools-...budget-planner
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  9. #49
    Senior Member DealDude's Avatar
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    48. If you download a lot online do it at night when power's cheaper and internet is faster.

    If like me you download a lot of large files online make use of off peak electricity, on most plans the internet also runs faster and you get the files quicker, if you use a download manager and set the computer to turn off when the files have downloaded it'll turn off by itself and save you even more money.

    Also turn the monitor off while the files download.
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  10. #50
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    49. know when your energy; gas and electricity off peak and peak times are.

    for Red Energy NSW and SA:
    Peak / Off-Peak Times for Gas & Electricity Tariffs | Red Energy
    off peak is: 11pm to 7am

    Origin AusGrid NSW I think some plans are different:
    Peak consumption (2pm - 8pm on Weekdays)
    Shoulder consumption (7am-2pm and 8pm-10pm Weekdays and 7am-10pm on weekends
    and public holidays)
    Off peak consumption - All Other Times - 10pm until 7am.
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