It’s still the semi-new year and I’m sure on everyone’s list of things to resolve is money; make more spend less etc. Or perhaps you have a dream this year you need to save up for? Mine is still the same- travel. Travel, travel, travel.
I love finding ways to save money and to stretch it further, it’s almost like a game for me.
Now I have found several ways that you may not have thought of to keep more of your hard-earned dollars in your pocket rather than someone else’s, some take just a phone call; so easy that it is almost money for nothing.
Payless for medical bills.
Whilst bulk billing surgeries are becoming as rare as hen’s teeth and searching for cheaper health cover is like a needle in a haystack register for the Medicare Safety Net. Individuals need not register the government already has you recorded however families and couples must do to be ‘seen’. Once you spend over the threshold you may be eligible for more rebates. Best part it is not means tested. Here for more information and to register.
ATM fees.
If you withdraw money from another bank’s atm on average of twice a week your spending approximately $260.00 which may not sound like much, however, that’s a return airfare to Bali with one of those cheaper airline carriers. Simply stop using non-bank atm or better still join up with the many online accounts that are fee free. They are everywhere now, Ing, Ubank and Me bank just to name a few. Bam. And because its a post about making money without trying I’m going to get cheeky here quote this code AUM641 on opening an ING direct account – and I get $100.00 for the first four peeps. Which is probably the number of people who will unsubscribe because I got cheeky 😉 thanks for coming.
Negotiate with the big guns.
I’m talking about your lenders and insurance companies. The truth is it’s easier to keep a customer with a rate cut then look for a new customer. So you will be surprised when you tell them you are considering leaving them how easy a rate cut; no matter how small might be. Try online offerings such as Youii {I use and love. Two claims in and they just gave me a 15% discount} or ING for comparing the market. Also, consider upping your excess from $500 to a little more such as $750.00 and making sure you are not over or underinsured.
Consider if you really need health insurance.
Australia has one of the best health systems in the world and unless tax-wise it works out cheaper you to have private health cover talk to your family if you really need it.
Get social.
If you have a social account with a decent number of ‘followers’, then consider submitting your images for promotional campaigns. After all, if you have discovered that you love a new product and are raving about it anyway then consider hooking up with a marketing company who will pay you for the shout out. Now it’s tricky than it looks I have tried numerous times, and am yet to sell an image yet -but if you don’t try you won’t know. Contact Tribe for more information.
Check your super.
Did you know that of the course of your super lifetime you can pay up to 80k in fees depending on who it’s with? That’s a whole lot of money that could be in your pocket help you live the life when it’s your turn to sit back and watch the young ones take their turn. So check your super fees {both investment and administration} and if they are too high consider making the switch. For more information on super fees head here.
PPS. I am not a financial adviser please seek professional knowledge before taking on any advice. I am also not affiliated The Tribe guy’s or Ing but I do use both of these with no financial gain from you reading this.
xxDeb
