Starting the year with a clean(er) slate will make you feel much better.
4. Don’t pay more than you have to
The hassle of changing lenders is usually what keeps people with the same financial institution, even though there may be a better deal out there. Recent changes in legislation, which have led to lower exit fees and simplified application processes, have made it easier to switch lenders. A loan comparison tool will indicate how much you can save.
5. Budget on the run
Smart phone apps make budgeting on the go really simple. So before you spend big at the shops, you can work out what you can really afford. Keep track of your spending, compare one month to another and categorise your costs to track where all your money is going.
Budget for iPhone $1.99 – www.itunes.apple.com/au
Expense Manager for Android free – www.googleplay.com.au
6. Grab a discount
When trying to cut costs, whether it’s servicing your car, getting your carpets cleaned or eating out for a special treat, discount coupons are a great way to access special offers. There are quite a few sites around that offer a coupon search and the ability to print coupons online.
7. Claim your missing money
Currently, there is $600 million of unclaimed money from bank accounts, life insurance policies and shares just floating around looking for a new home. Topped with the $13 billion in unclaimed super, that’s a whole lot of money waiting to be claimed. Just a few simple details such as tax file number and date of birth could see you and your missing money reunited.
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