Fancy a holiday with your home loan?
Get 300,000 Qantas Points with a new eligible home loan of $300k or more and LVR 80% or less. T&Cs apply.
Fancy a holiday with your home loan?
Get 300,000 Qantas Points with a new eligible home loan of $300k or more and LVR 80% or less. T&Cs apply.
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Published 23 December 2021
Forget cutting back on your little loves, like delicious coffee, it’s time to start looking at the big stuff.
Luckily, saving doesn’t always have to come with extreme sacrifice. Here are 5 easy ways to reduce your spending and save more money, without cutting anything out of your life:
When it comes to choosing a product or provider, your first option is not always the best option. In fact, reading the terms and conditions is sometimes the only way to truly understand all the cost differences between different products and plans. Sometimes you might find a better deal without changing what you’re getting out of it.
Here are some products and providers you may want to take a look at:
Here are some basics to keep in mind:
Found a better offer from a competitor? Before you do jump ship, let your current provider know about the offer and your intention to move. They may be able to match it, or even go one better.
Avoiding missed or late payment fees on your bills and taking advantage of any early deposit discounts can make a big difference too.
Saving money while saving the planet? It may sound too good to be true but being conscious of what you’re using, or investing in greener solutions, could provide cost benefits in the long term.
Here are some going green tips to take a look at:
Very few things in life are free, but a lot of things are on special. Look out for savings and deals on your weekly shop and tap into the world of discount codes, coupons and reward cards.
Excess spending just to rack up points might not be the best approach, but smart rewards plan usage could save you a few dollars down the track. A loyalty card at your local café won’t hurt.
Check if any services you already use – such as your private health insurance or credit cards – offer any rewards. These can often include shopping discounts or movie tickets to help you get back into socialising without blowing your budget.
There’s no harm in checking in with your bank every so often to see if you’re using the accounts, credit cards or home loan that best suit you and your current situation. If you don’t ask you’ll never know. When it comes to home loans and depending on what’s best for your needs you could consider:
You will need to consider what will work for you, taking into account your financial needs, situation and goals. Ask your lender about your options.
Many people have found that working from home comes with benefits, beyond the ability to concentrate. You don’t have to pay for transport to and from work, you’re less likely to eat lunch out, and you’re far less likely to go wild at after work drinks.
Test it out if you can and try to find a lifestyle groove that suits you and - and do what you can to implement it in the long term.
To help keep track of where your money’s going and make some room in your budget for the things you love, plan your spend with the ANZ Financial Wellbeing Program.
The information set out above is general in nature and has been prepared without taking into account your objectives, financial situation or needs. Before acting on the information, you should consider whether the information is appropriate for you having regard to your objectives, financial situation and needs. By providing this information ANZ does not intend to provide any financial advice or other advice or recommendations. You should seek independent financial, legal, tax and other relevant advice having regard to your particular circumstances.