🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 87 (from laksa096)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa087.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical, ml_categories_json AS ml_categories_json, ml_types_json AS ml_types_json, ml_intent_types_json AS ml_intent_types_json, meta_language AS meta_language, attrs_author AS attrs_author, ifNull(toUnixTimestamp(attrs_publish_time), 0) AS attrs_publish_time, ifNull(toUnixTimestamp(attrs_original_publish_time), 0) AS attrs_original_publish_time, ifNull(attrs_is_republished, 0) AS attrs_is_republished, ifNull(attrs_nr_words, 0) AS attrs_nr_words, ifNull(attrs_boilerpipe_nr_words, 0) AS attrs_boilerpipe_nr_words, ifNull(body_ext_links_number, 0) AS body_ext_links_number, ifNull(body_int_links_number, 0) AS body_int_links_number, ifNull(meta_nofollow, 0) AS meta_nofollow, ifNull(meta_noarchive, 0) AS meta_noarchive, ifNull(props_was_rendered, 0) AS props_was_rendered, ifNull(src_redirect, \'\') AS src_redirect, ifNull(download_time_msec, 0) AS download_time_msec, ifNull(download_ttfb_msec, 0) AS download_ttfb_msec, ifNull(download_size, 0) AS download_size FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://moneysmart.gov.au/saving/simple-ways-to-save-money\')), getAhrefsUnparsedNoserviceFromURL(\'https://moneysmart.gov.au/saving/simple-ways-to-save-money\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money","crawl_time":1777092099,"first_indexed_time":1580959521,"http_code":200,"src_unparsed":"au,gov,moneysmart!\/saving\/simple-ways-to-save-money s443","src_root_hash":"8642081752145688487","history_drop_reason":null,"meta_title":"Simple ways to save money - Moneysmart.gov.au","meta_descriptions":["Find easy ways to save every day, and look for quick ways to reduce your spending. Make a savings plan to stay on track."],"attrs_boilerpipe_text":"Find out how to save money and make a savings plan to\nstay on track\n.\nOn this page\nKnow where your money is going\nLook for ways to save\nSet a savings goal\nHave a savings plan\nKnow where your money is going\nNo matter whether you’re a highly organised saver or whether saving money feels like an impossible task, it’s worth doing an annual sense check of your money habits to make sure they’re working for you.\nSo before you work out how to save, it’s good to know what your money gets spent on.\nGet ready to download your bank transactions for the past year, and read\ntrack your spending\nfor tips on how to do this.\nOnce you're ready, you can use our\nbudget planner\nto put it all together.\nLook for ways to save\nSome savings tips mean making lifestyle changes – but some don’t. Let’s look at the easy wins first.\nThere are some things that you have to spend money on – but you might be able to make them cheaper. \nElectricity and gas\nCompare energy suppliers to get the best deal. Use the Government's\nEnergy Made Easy\nwebsite. Or\nVictorian Energy Compare\n, if you're in Victoria.\nIf you don't want to change providers, phone your current energy provider and ask if they have a cheaper contract that would match your usage. \nYou can also try some behavioural changes, like: \nHeating and cooling\n– only heat or cool the room you're using. Open or close blinds to help control the temperature inside. Adjust your air conditioner to an energy-efficient setting. Block draughts to avoid leaking heat (for example, put a door snake against the door). \nLaundry\n– run your washing machine with a full load. Use cold water in your machine where possible.\nAppliances\n– use energy-efficient appliances or lights, if you can. Try to use appliances outside peak times when tariffs are lower (check your bill to see when it's cheaper). \nTurn off when not in use\n– turn off 'vampire appliances' at the wall, to avoid wasting energy. These include gaming consoles, anything with 'standby mode', and phones at full charge. \nInsurance\nThe cost of insurance policies can vary by hundreds of dollars a year.\nWhether it's home or contents insurance, car insurance, health insurance, life insurance or some other type of insurance, compare the costs.\nConsider the\ndifferent types of insurance you might have\n, that you can shop around for.\nBefore it’s time to renew a policy, get some online quotes from other insurance providers. You can then phone your current insurer to see if they’ll match the cost.\nAsk for a discount when you group your policies (like car and home).\nLook at more than price when you’re comparing insurance. It’s important to know what you’re covered for. For tips, see\nhow to choose insurance\n.\nInternet and phone\nCheck your monthly usage over a 12-month period and find a plan that suits your needs. You could be paying for more than you use, so look for cheaper options. Ask your provider to give you a better deal to stay.\nLearn more about\nchoosing a phone plan\n.\nGroceries\nGroceries are one of the biggest household costs. Savings tips include:\nPlan ahead – plan meals weekly, including lunches and snacks. Check your pantry, fridge and freezer. Make a shopping list and only buy what you need.\nMeal prep – prepare meals or ingredients in advance. Freeze extras for later.\nBuy on special – look for cheaper brands and special deals.\nCompare unit prices – check the unit price (for example, the price per 100g) under the main price. Then compare the price and value of similar products.\nBuy in bulk – buy staples (like rice, oats, flour) when marked down. Or buy bulk amounts with your neighbours or friends\nDebt\nWhether you have a credit card balance, a personal loan, or some other form of debt, you’re probably paying interest. \nCheck the interest rate you’re paying on any loans\/debt and see if you can negotiate a cheaper rate. Use our\npersonal loan calculator\nto see how much you could save with a lower interest rate.\nAnd if you can, make extra repayments towards any credit card debt or loans you have. Paying off your debts sooner could save you thousands in interest. For tips on how to prioritise and manage debt, see\nget debt under control\n.\nOther ways to save \nOther ways to save might mean changing your habits. Look at your expenses to see what you can change or where you could get a better deal. It may surprise you how little things add up.\nGo through your bank or credit card statements carefully. Look for any costs that you’d forgotten about. This could be things like subscriptions or memberships you don't use much and don’t really need.\nAlso look for things that, when you add them up, are costing more than you’d realised. It could be things like takeaway, or streaming services, or even clothes.\nThere’s nothing wrong with spending money on things you enjoy. It’s just good to be realistic about the total cost, so you can prioritise.\nWhatever you spend your money on, pause and ask yourself if you could get the same result, cheaper.\nSet a savings goal\nSetting a savings goal helps you stay focused. It doesn't matter how big or small your goal is, work out how much money you need and make a start.\nHave a savings plan\nThe secret to saving is to start early and save often. Create a savings plan so you can manage your money and stick to your goal. Some suggestions for managing your savings habits are: \nSeparate your savings\nKeeping your savings in a different account to your spending helps you keep track of it.\nAn online\nsavings account\nis a great way to grow your money faster. Unlike a transaction account, you can’t spend money directly from a savings account. So it's harder to dip into your savings.\nAutomate your savings\nTransfer part of your pay into your savings account. Ask your employer to do this for you, or set up a transfer from your transaction account\n. This way, you're saving without having to think about it.\nRound-up transactions\nSome bank accounts let you round-up your daily spending to the nearest $1 or $5. The change then goes into your savings account.\nFor example, James buys a coffee before work each morning:\nThe coffee costs $4.50.\nHis transaction account is charged $5.\n50 cents goes into his online savings account.\nThis adds $10 a month to his savings.\nJoin thousands of Australians and get tools, tips and calculators to help with your money - straight to your inbox each month.\nSign up","attrs_markdown":"[Skip to main content](https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money#mainContent)\n\nmenu\n\nchevron\\_left\n\n[Home](https:\/\/moneysmart.gov.au\/)\n\nsearch\n\nclose\n\n- [Banking and budgeting](https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money#banking-and-budgeting)\n  - [Banking](https:\/\/moneysmart.gov.au\/banking)\n    - [Savings accounts](https:\/\/moneysmart.gov.au\/banking\/savings-accounts)\n    - [Transaction accounts and debit cards](https:\/\/moneysmart.gov.au\/banking\/transaction-accounts-and-debit-cards)\n    - [Joint accounts](https:\/\/moneysmart.gov.au\/banking\/joint-accounts)\n    - [Direct debits](https:\/\/moneysmart.gov.au\/banking\/direct-debits)\n    - [Unauthorised and mistaken transactions](https:\/\/moneysmart.gov.au\/banking\/unauthorised-and-mistaken-transactions)\n    - [Sending money overseas](https:\/\/moneysmart.gov.au\/banking\/sending-money-overseas)\n  - [Budgeting](https:\/\/moneysmart.gov.au\/budgeting)\n    - [cost of living help](https:\/\/moneysmart.gov.au\/budgeting\/cost-of-living-help)\n    - [How to do a budget](https:\/\/moneysmart.gov.au\/budgeting\/how-to-do-a-budget)\n    - [Track your spending](https:\/\/moneysmart.gov.au\/budgeting\/track-your-spending)\n    - [Manage the cost of living](https:\/\/moneysmart.gov.au\/budgeting\/manage-the-cost-of-living)\n    - [Managing on a low income](https:\/\/moneysmart.gov.au\/budgeting\/managing-on-a-low-income)\n    - [Managing on a casual income](https:\/\/moneysmart.gov.au\/budgeting\/managing-on-a-casual-income)\n    - [Budget planner](https:\/\/moneysmart.gov.au\/budgeting\/budget-planner)\n    - [Compound interest calculator](https:\/\/moneysmart.gov.au\/budgeting\/compound-interest-calculator)\n    - [Simple money manager](https:\/\/moneysmart.gov.au\/budgeting\/simple-money-manager)\n    - [Avoiding sales pressure](https:\/\/moneysmart.gov.au\/budgeting\/avoiding-sales-pressure)\n    - [Ways to save on food and fuel](https:\/\/moneysmart.gov.au\/budgeting\/ways-to-save-on-food-and-fuel)\n    - [Ways to save on energy costs](https:\/\/moneysmart.gov.au\/budgeting\/ways-to-save-on-energy-costs)\n  - [Saving](https:\/\/moneysmart.gov.au\/saving)\n    - [Savings goals calculator](https:\/\/moneysmart.gov.au\/saving\/savings-goals-calculator)\n    - [Compound interest](https:\/\/moneysmart.gov.au\/saving\/compound-interest)\n    - [Save for an emergency fund](https:\/\/moneysmart.gov.au\/saving\/save-for-an-emergency-fund)\n    - [Simple ways to save money](https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money)\n    - [Save for a house deposit](https:\/\/moneysmart.gov.au\/saving\/save-for-a-house-deposit)\n    - [How to start saving](https:\/\/moneysmart.gov.au\/saving\/how-to-start-saving)\n  - [Work and tax](https:\/\/moneysmart.gov.au\/work-and-tax)\n    - [GST calculator](https:\/\/moneysmart.gov.au\/work-and-tax\/gst-calculator)\n    - [Income tax calculator](https:\/\/moneysmart.gov.au\/work-and-tax\/income-tax-calculator)\n    - [Income tax](https:\/\/moneysmart.gov.au\/work-and-tax\/income-tax)\n    - [Lodging a tax return](https:\/\/moneysmart.gov.au\/work-and-tax\/lodging-a-tax-return)\n    - [Salary packaging](https:\/\/moneysmart.gov.au\/work-and-tax\/salary-packaging)\n    - [Returning to work after having a baby](https:\/\/moneysmart.gov.au\/work-and-tax\/returning-to-work-after-having-a-baby)\n    - [Losing your job](https:\/\/moneysmart.gov.au\/work-and-tax\/losing-your-job)\n    - [Self-employment](https:\/\/moneysmart.gov.au\/work-and-tax\/self-employment)\n    - [Choosing an accountant](https:\/\/moneysmart.gov.au\/work-and-tax\/choosing-an-accountant)\n  - [Family and relationships](https:\/\/moneysmart.gov.au\/family-and-relationships)\n    - [Relationships and money](https:\/\/moneysmart.gov.au\/family-and-relationships\/relationships-and-money)\n    - [Getting married](https:\/\/moneysmart.gov.au\/family-and-relationships\/getting-married)\n    - [Having a baby](https:\/\/moneysmart.gov.au\/family-and-relationships\/having-a-baby)\n    - [Teaching kids about money](https:\/\/moneysmart.gov.au\/family-and-relationships\/teaching-kids-about-money)\n    - [Getting a pet](https:\/\/moneysmart.gov.au\/family-and-relationships\/getting-a-pet)\n    - [Reducing back-to-school costs](https:\/\/moneysmart.gov.au\/family-and-relationships\/reducing-back-to-school-costs)\n    - [Cheap school holidays](https:\/\/moneysmart.gov.au\/family-and-relationships\/cheap-school-holidays)\n    - [Getting divorced or separating](https:\/\/moneysmart.gov.au\/family-and-relationships\/getting-divorced-or-separating)\n    - [Divorce and separation financial checklist](https:\/\/moneysmart.gov.au\/family-and-relationships\/divorce-and-separation-financial-checklist)\n    - [Dealing with illness](https:\/\/moneysmart.gov.au\/family-and-relationships\/dealing-with-illness)\n    - [Losing your partner](https:\/\/moneysmart.gov.au\/family-and-relationships\/losing-your-partner)\n    - [Financial abuse](https:\/\/moneysmart.gov.au\/family-and-relationships\/financial-abuse)\n    - [How to support older Australians](https:\/\/moneysmart.gov.au\/family-and-relationships\/how-to-support-older-australians)\n- [Loans, credit and debt](https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money#loans-credit-and-debt)\n  - [Loans](https:\/\/moneysmart.gov.au\/loans)\n    - [Going guarantor on a loan](https:\/\/moneysmart.gov.au\/loans\/going-guarantor-on-a-loan)\n    - [Car loans](https:\/\/moneysmart.gov.au\/loans\/car-loans)\n    - [Loan rejection](https:\/\/moneysmart.gov.au\/loans\/loan-rejection)\n    - [Payday loans](https:\/\/moneysmart.gov.au\/loans\/payday-loans)\n    - [No Interest Loans](https:\/\/moneysmart.gov.au\/loans\/no-interest-loans)\n    - [Personal loans](https:\/\/moneysmart.gov.au\/loans\/personal-loans)\n    - [Personal loan calculator](https:\/\/moneysmart.gov.au\/loans\/personal-loan-calculator)\n    - [Payday loan calculator](https:\/\/moneysmart.gov.au\/loans\/payday-loan-calculator)\n  - [Other ways to borrow](https:\/\/moneysmart.gov.au\/other-ways-to-borrow)\n    - [Buy now pay later services](https:\/\/moneysmart.gov.au\/other-ways-to-borrow\/buy-now-pay-later-services)\n    - [Pay advance services](https:\/\/moneysmart.gov.au\/other-ways-to-borrow\/pay-advance-services)\n    - [Interest-free deals](https:\/\/moneysmart.gov.au\/other-ways-to-borrow\/interest-free-deals)\n    - [Interest-free deal calculator](https:\/\/moneysmart.gov.au\/other-ways-to-borrow\/interest-free-deal-calculator)\n    - [Consumer leases](https:\/\/moneysmart.gov.au\/other-ways-to-borrow\/consumer-leases)\n    - [Rent vs buy calculator](https:\/\/moneysmart.gov.au\/other-ways-to-borrow\/rent-vs-buy-calculator)\n  - [Credit cards](https:\/\/moneysmart.gov.au\/credit-cards)\n    - [Choosing a credit card](https:\/\/moneysmart.gov.au\/credit-cards\/choosing-a-credit-card)\n    - [Pay off your credit card](https:\/\/moneysmart.gov.au\/credit-cards\/pay-off-your-credit-card)\n    - [Credit card calculator](https:\/\/moneysmart.gov.au\/credit-cards\/credit-card-calculator)\n    - [Credit card balance transfers](https:\/\/moneysmart.gov.au\/credit-cards\/credit-card-balance-transfers)\n    - [Cancel a credit card](https:\/\/moneysmart.gov.au\/credit-cards\/cancel-a-credit-card)\n  - [Home loans](https:\/\/moneysmart.gov.au\/home-loans)\n    - [Buying a house](https:\/\/moneysmart.gov.au\/home-loans\/buying-a-house)\n    - [Choosing a home loan](https:\/\/moneysmart.gov.au\/home-loans\/choosing-a-home-loan)\n    - [Mortgage calculator](https:\/\/moneysmart.gov.au\/home-loans\/mortgage-calculator)\n    - [Switching home loans](https:\/\/moneysmart.gov.au\/home-loans\/switching-home-loans)\n    - [Mortgage switching calculator](https:\/\/moneysmart.gov.au\/home-loans\/mortgage-switching-calculator)\n    - [Using a mortgage broker](https:\/\/moneysmart.gov.au\/home-loans\/using-a-mortgage-broker)\n    - [Pay off your mortgage faster](https:\/\/moneysmart.gov.au\/home-loans\/pay-off-your-mortgage-faster)\n    - [Problems paying your mortgage](https:\/\/moneysmart.gov.au\/home-loans\/problems-paying-your-mortgage)\n    - [Interest-only home loans](https:\/\/moneysmart.gov.au\/home-loans\/interest-only-home-loans)\n    - [Interest-only mortgage calculator](https:\/\/moneysmart.gov.au\/home-loans\/interest-only-mortgage-calculator)\n    - [Mortgage offset accounts](https:\/\/moneysmart.gov.au\/home-loans\/mortgage-offset-accounts)\n  - [Managing debt](https:\/\/moneysmart.gov.au\/managing-debt)\n    - [Get debt under control](https:\/\/moneysmart.gov.au\/managing-debt\/get-debt-under-control)\n    - [Urgent help with money](https:\/\/moneysmart.gov.au\/managing-debt\/urgent-help-with-money)\n    - [Financial counselling](https:\/\/moneysmart.gov.au\/managing-debt\/financial-counselling)\n    - [Financial hardship](https:\/\/moneysmart.gov.au\/managing-debt\/financial-hardship)\n    - [Problems paying your bills and fines](https:\/\/moneysmart.gov.au\/managing-debt\/problems-paying-your-bills-and-fines)\n    - [Credit scores and credit reports](https:\/\/moneysmart.gov.au\/managing-debt\/credit-scores-and-credit-reports)\n    - [Credit repair](https:\/\/moneysmart.gov.au\/managing-debt\/credit-repair)\n    - [Debt consolidation and refinancing](https:\/\/moneysmart.gov.au\/managing-debt\/debt-consolidation-and-refinancing)\n    - [Dealing with debt collectors](https:\/\/moneysmart.gov.au\/managing-debt\/dealing-with-debt-collectors)\n    - [Repossessed car or goods](https:\/\/moneysmart.gov.au\/managing-debt\/repossessed-car-or-goods)\n    - [Bankruptcy and debt agreements](https:\/\/moneysmart.gov.au\/managing-debt\/bankruptcy-and-debt-agreements)\n    - [Free legal advice](https:\/\/moneysmart.gov.au\/managing-debt\/free-legal-advice)\n    - [Net worth calculator](https:\/\/moneysmart.gov.au\/managing-debt\/net-worth-calculator)\n- [Investing and planning](https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money#investing-and-planning)\n  - [How to invest](https:\/\/moneysmart.gov.au\/how-to-invest)\n    - [Develop an investing plan](https:\/\/moneysmart.gov.au\/how-to-invest\/develop-an-investing-plan)\n    - [Choose your investments](https:\/\/moneysmart.gov.au\/how-to-invest\/choose-your-investments)\n    - [Diversification](https:\/\/moneysmart.gov.au\/how-to-invest\/diversification)\n    - [Investing and tax](https:\/\/moneysmart.gov.au\/how-to-invest\/investing-and-tax)\n    - [Borrowing to invest](https:\/\/moneysmart.gov.au\/how-to-invest\/borrowing-to-invest)\n    - [Keep track of your investments](https:\/\/moneysmart.gov.au\/how-to-invest\/keep-track-of-your-investments)\n    - [Environmental Social Governance (ESG) investing](https:\/\/moneysmart.gov.au\/how-to-invest\/environmental-social-governance-esg-investing)\n    - [Islamic finance in Australia](https:\/\/moneysmart.gov.au\/how-to-invest\/islamic-finance-in-australia)\n    - [What is private credit?](https:\/\/moneysmart.gov.au\/how-to-invest\/what-is-private-credit)\n    - [What is share market volatility](https:\/\/moneysmart.gov.au\/how-to-invest\/what-is-share-market-volatility)\n  - [Financial advice](https:\/\/moneysmart.gov.au\/financial-advice)\n    - [Financial advisers register](https:\/\/moneysmart.gov.au\/financial-advice\/financial-advisers-register)\n    - [General and personal financial advice](https:\/\/moneysmart.gov.au\/financial-advice\/general-and-personal-financial-advice)\n    - [Choosing a financial adviser](https:\/\/moneysmart.gov.au\/financial-advice\/choosing-a-financial-adviser)\n    - [Working with a financial adviser](https:\/\/moneysmart.gov.au\/financial-advice\/working-with-a-financial-adviser)\n    - [Financial advice costs](https:\/\/moneysmart.gov.au\/financial-advice\/financial-advice-costs)\n    - [Problems with a financial adviser](https:\/\/moneysmart.gov.au\/financial-advice\/problems-with-a-financial-adviser)\n  - [Shares](https:\/\/moneysmart.gov.au\/shares)\n    - [Choosing shares to buy](https:\/\/moneysmart.gov.au\/shares\/choosing-shares-to-buy)\n    - [How to buy and sell shares](https:\/\/moneysmart.gov.au\/shares\/how-to-buy-and-sell-shares)\n    - [Keeping track of your shares](https:\/\/moneysmart.gov.au\/shares\/keeping-track-of-your-shares)\n    - [Employee share schemes](https:\/\/moneysmart.gov.au\/shares\/employee-share-schemes)\n  - [Managed funds and ETFs](https:\/\/moneysmart.gov.au\/managed-funds-and-etfs)\n    - [Managed funds fee calculator](https:\/\/moneysmart.gov.au\/managed-funds-and-etfs\/managed-funds-fee-calculator)\n    - [Choosing a managed fund](https:\/\/moneysmart.gov.au\/managed-funds-and-etfs\/choosing-a-managed-fund)\n    - [Exchange traded funds (ETFs)](https:\/\/moneysmart.gov.au\/managed-funds-and-etfs\/exchange-traded-funds-etfs)\n    - [Hedge funds](https:\/\/moneysmart.gov.au\/managed-funds-and-etfs\/hedge-funds)\n    - [Listed investment companies (LICs)](https:\/\/moneysmart.gov.au\/managed-funds-and-etfs\/listed-investment-companies-lics)\n    - [Peer to peer lending](https:\/\/moneysmart.gov.au\/managed-funds-and-etfs\/peer-to-peer-lending)\n  - [Property investment](https:\/\/moneysmart.gov.au\/property-investment)\n    - [Property funds](https:\/\/moneysmart.gov.au\/property-investment\/property-funds)\n    - [Timeshares](https:\/\/moneysmart.gov.au\/property-investment\/timeshares)\n    - [SMSFs and property](https:\/\/moneysmart.gov.au\/property-investment\/smsfs-and-property)\n    - [Buying an investment property](https:\/\/moneysmart.gov.au\/property-investment\/buying-an-investment-property)\n  - [Investments paying interest](https:\/\/moneysmart.gov.au\/investments-paying-interest)\n    - [Bonds](https:\/\/moneysmart.gov.au\/investments-paying-interest\/bonds)\n    - [Debentures, secured and unsecured notes](https:\/\/moneysmart.gov.au\/investments-paying-interest\/debentures-secured-and-unsecured-notes)\n    - [Hybrid securities and notes](https:\/\/moneysmart.gov.au\/investments-paying-interest\/hybrid-securities-and-notes)\n    - [Term deposits](https:\/\/moneysmart.gov.au\/investments-paying-interest\/term-deposits)\n  - [Investment warnings](https:\/\/moneysmart.gov.au\/investment-warnings)\n    - [Binary options](https:\/\/moneysmart.gov.au\/investment-warnings\/binary-options)\n    - [Company director fraud](https:\/\/moneysmart.gov.au\/investment-warnings\/company-director-fraud)\n    - [Contracts for difference (CFDs)](https:\/\/moneysmart.gov.au\/investment-warnings\/contracts-for-difference-cfds)\n    - [Crypto assets](https:\/\/moneysmart.gov.au\/investment-warnings\/crypto-assets)\n    - [Forex trading](https:\/\/moneysmart.gov.au\/investment-warnings\/forex-trading)\n    - [Investment seminars](https:\/\/moneysmart.gov.au\/investment-warnings\/investment-seminars)\n    - [Insider trading](https:\/\/moneysmart.gov.au\/investment-warnings\/insider-trading)\n    - [Land banking](https:\/\/moneysmart.gov.au\/investment-warnings\/land-banking)\n    - [Bills of exchange](https:\/\/moneysmart.gov.au\/investment-warnings\/bills-of-exchange)\n    - [Pump and dump schemes](https:\/\/moneysmart.gov.au\/investment-warnings\/pump-and-dump-schemes)\n    - [Don't get burned by investment hype](https:\/\/moneysmart.gov.au\/investment-warnings\/don-t-get-burned-by-investment-hype)\n    - [Lead generation and how it works](https:\/\/moneysmart.gov.au\/investment-warnings\/lead-generation-and-how-it-works)\n- [Super and retirement](https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money#super-and-retirement)\n  - [Retirement](https:\/\/moneysmart.gov.au\/retirement)\n    - [Case study: Lillian's health scare](https:\/\/moneysmart.gov.au\/retirement\/case-study-lillian-s-health-scare)\n    - [Case study: Bill's mortgage decision](https:\/\/moneysmart.gov.au\/retirement\/case-study-bill-s-mortgage-decision)\n    - [Case study: Helen and Joe retire](https:\/\/moneysmart.gov.au\/retirement\/case-study-helen-and-joe-retire)\n    - [Retirement for First Nations people](https:\/\/moneysmart.gov.au\/retirement\/first-nations-resources)\n    - [Campaign resources](https:\/\/moneysmart.gov.au\/retirement\/campaign-resources)\n    - [Translated resources](https:\/\/moneysmart.gov.au\/retirement\/translated)\n  - [How super works](https:\/\/moneysmart.gov.au\/how-super-works)\n    - [Superannuation](https:\/\/moneysmart.gov.au\/how-super-works\/superannuation)\n    - [Choosing a super fund](https:\/\/moneysmart.gov.au\/how-super-works\/choosing-a-super-fund)\n    - [Types of super funds](https:\/\/moneysmart.gov.au\/how-super-works\/types-of-super-funds)\n    - [Self-managed super fund (SMSF)](https:\/\/moneysmart.gov.au\/how-super-works\/self-managed-super-fund-smsf)\n    - [Getting your super](https:\/\/moneysmart.gov.au\/how-super-works\/getting-your-super)\n    - [When you can access your super early](https:\/\/moneysmart.gov.au\/how-super-works\/when-you-can-access-your-super-early)\n    - [Find lost super](https:\/\/moneysmart.gov.au\/how-super-works\/find-lost-super)\n    - [Consolidating super funds](https:\/\/moneysmart.gov.au\/how-super-works\/consolidating-super-funds)\n    - [Tax and super](https:\/\/moneysmart.gov.au\/how-super-works\/tax-and-super)\n    - [Superannuation calculator](https:\/\/moneysmart.gov.au\/how-super-works\/superannuation-calculator)\n    - [Who gets your super if you die](https:\/\/moneysmart.gov.au\/how-super-works\/who-gets-your-super-if-you-die)\n    - [Claiming a super death benefit](https:\/\/moneysmart.gov.au\/how-super-works\/claiming-a-super-death-benefit)\n  - [Grow your super](https:\/\/moneysmart.gov.au\/grow-your-super)\n    - [Employer contributions calculator](https:\/\/moneysmart.gov.au\/grow-your-super\/employer-contributions-calculator)\n    - [How much super should I have](https:\/\/moneysmart.gov.au\/grow-your-super\/how-much-super-should-i-have)\n    - [Super contributions](https:\/\/moneysmart.gov.au\/grow-your-super\/super-contributions)\n    - [Downsizer super contributions](https:\/\/moneysmart.gov.au\/grow-your-super\/downsizer-super-contributions)\n    - [Super for self-employed people](https:\/\/moneysmart.gov.au\/grow-your-super\/super-for-self-employed-people)\n    - [Super investment options](https:\/\/moneysmart.gov.au\/grow-your-super\/super-investment-options)\n    - [Super contributions optimiser](https:\/\/moneysmart.gov.au\/grow-your-super\/super-contributions-optimiser)\n    - [How to check your super](https:\/\/moneysmart.gov.au\/grow-your-super\/how-to-check-your-super)\n    - [Tips to keep your retirement savings on track](https:\/\/moneysmart.gov.au\/grow-your-super\/tips-to-keep-your-retirement-savings-on-track)\n    - [Get your super working over time](https:\/\/moneysmart.gov.au\/grow-your-super\/get-your-super-working-over-time)\n  - [Plan for your retirement](https:\/\/moneysmart.gov.au\/plan-for-your-retirement)\n    - [Work out how much you need to retire](https:\/\/moneysmart.gov.au\/plan-for-your-retirement\/work-out-how-much-you-need-to-retire)\n    - [Super and pension age calculator](https:\/\/moneysmart.gov.au\/plan-for-your-retirement\/super-and-pension-age-calculator)\n    - [Make a retirement plan](https:\/\/moneysmart.gov.au\/plan-for-your-retirement\/make-a-retirement-plan)\n    - [Retirement planner](https:\/\/moneysmart.gov.au\/plan-for-your-retirement\/retirement-planner)\n    - [What happens to your super when you retire](https:\/\/moneysmart.gov.au\/plan-for-your-retirement\/what-happens-to-your-super-when-you-retire)\n    - [Managing unexpected retirement](https:\/\/moneysmart.gov.au\/plan-for-your-retirement\/managing-unexpected-retirement)\n    - [Your home in retirement](https:\/\/moneysmart.gov.au\/plan-for-your-retirement\/your-home-in-retirement)\n    - [Wills and powers of attorney](https:\/\/moneysmart.gov.au\/plan-for-your-retirement\/wills-and-powers-of-attorney)\n    - [Super and the Age Pension](https:\/\/moneysmart.gov.au\/plan-for-your-retirement\/super-and-the-age-pension)\n  - [Retirement income sources](https:\/\/moneysmart.gov.au\/retirement-income-sources)\n    - [Age Pension and government benefits](https:\/\/moneysmart.gov.au\/retirement-income-sources\/age-pension-and-government-benefits)\n    - [Account-based pensions](https:\/\/moneysmart.gov.au\/retirement-income-sources\/account-based-pensions)\n    - [Account-based pension calculator](https:\/\/moneysmart.gov.au\/retirement-income-sources\/account-based-pension-calculator)\n    - [Super lump sum](https:\/\/moneysmart.gov.au\/retirement-income-sources\/super-lump-sum)\n    - [Annuities](https:\/\/moneysmart.gov.au\/retirement-income-sources\/annuities)\n    - [Transition to retirement](https:\/\/moneysmart.gov.au\/retirement-income-sources\/transition-to-retirement)\n    - [Reverse mortgage and home equity release](https:\/\/moneysmart.gov.au\/retirement-income-sources\/reverse-mortgage-and-home-equity-release)\n    - [Reverse mortgage calculator](https:\/\/moneysmart.gov.au\/retirement-income-sources\/reverse-mortgage-calculator)\n    - [Lifetime income streams](https:\/\/moneysmart.gov.au\/retirement-income-sources\/lifetime-income-streams)\n    - [Types of retirement income](https:\/\/moneysmart.gov.au\/retirement-income-sources\/types-of-retirement-income)\n  - [Manage your money in retirement](https:\/\/moneysmart.gov.au\/manage-your-money-in-retirement)\n    - [Make your money last in retirement](https:\/\/moneysmart.gov.au\/manage-your-money-in-retirement\/make-your-money-last-in-retirement)\n    - [Retirement income and tax](https:\/\/moneysmart.gov.au\/manage-your-money-in-retirement\/retirement-income-and-tax)\n    - [Manage health costs in retirement](https:\/\/moneysmart.gov.au\/manage-your-money-in-retirement\/manage-health-costs-in-retirement)\n    - [Get help in retirement](https:\/\/moneysmart.gov.au\/manage-your-money-in-retirement\/get-help-in-retirement)\n    - [Protect your money in retirement](https:\/\/moneysmart.gov.au\/manage-your-money-in-retirement\/protect-your-money-in-retirement)\n    - [Downsizing in retirement](https:\/\/moneysmart.gov.au\/manage-your-money-in-retirement\/downsizing-in-retirement)\n    - [Aged care](https:\/\/moneysmart.gov.au\/manage-your-money-in-retirement\/aged-care)\n    - [Paying for your funeral](https:\/\/moneysmart.gov.au\/manage-your-money-in-retirement\/paying-for-your-funeral)\n    - [Memory loss, dementia and your money](https:\/\/moneysmart.gov.au\/manage-your-money-in-retirement\/memory-loss-dementia-and-your-money)\n- [Insurance](https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money#insurance)\n  - [Insurance](https:\/\/moneysmart.gov.au\/insurance)\n  - [How life insurance works](https:\/\/moneysmart.gov.au\/how-life-insurance-works)\n    - [Life insurance calculator](https:\/\/moneysmart.gov.au\/how-life-insurance-works\/life-insurance-calculator)\n    - [Income protection insurance](https:\/\/moneysmart.gov.au\/how-life-insurance-works\/income-protection-insurance)\n    - [Life cover](https:\/\/moneysmart.gov.au\/how-life-insurance-works\/life-cover)\n    - [Total and permanent disability (TPD) insurance](https:\/\/moneysmart.gov.au\/how-life-insurance-works\/total-and-permanent-disability-tpd-insurance)\n    - [Insurance through super](https:\/\/moneysmart.gov.au\/how-life-insurance-works\/insurance-through-super)\n    - [Life insurance claims comparison tool](https:\/\/moneysmart.gov.au\/how-life-insurance-works\/life-insurance-claims-comparison-tool)\n    - [Trauma insurance](https:\/\/moneysmart.gov.au\/how-life-insurance-works\/trauma-insurance)\n    - [Making a life insurance claim](https:\/\/moneysmart.gov.au\/how-life-insurance-works\/making-a-life-insurance-claim)\n  - [Car insurance](https:\/\/moneysmart.gov.au\/car-insurance)\n    - [Choosing car insurance](https:\/\/moneysmart.gov.au\/car-insurance\/choosing-car-insurance)\n    - [Claiming on your car insurance](https:\/\/moneysmart.gov.au\/car-insurance\/claiming-on-your-car-insurance)\n    - [No claim bonus on car insurance](https:\/\/moneysmart.gov.au\/car-insurance\/no-claim-bonus-on-car-insurance)\n    - [Add-on car insurance](https:\/\/moneysmart.gov.au\/car-insurance\/add-on-car-insurance)\n  - [Home insurance](https:\/\/moneysmart.gov.au\/home-insurance)\n    - [Choosing home insurance](https:\/\/moneysmart.gov.au\/home-insurance\/choosing-home-insurance)\n    - [Contents insurance](https:\/\/moneysmart.gov.au\/home-insurance\/contents-insurance)\n    - [Storm, flood and fire insurance](https:\/\/moneysmart.gov.au\/home-insurance\/storm-flood-and-fire-insurance)\n    - [How to make a home insurance claim](https:\/\/moneysmart.gov.au\/home-insurance\/how-to-make-a-home-insurance-claim)\n    - [Underinsurance: What it is and how to avoid it](https:\/\/moneysmart.gov.au\/home-insurance\/underinsurance-what-it-is-and-how-to-avoid-it)\n  - [Add-on insurance](https:\/\/moneysmart.gov.au\/add-on-insurance)\n    - [Mobile phone, tablet and laptop insurance](https:\/\/moneysmart.gov.au\/add-on-insurance\/mobile-phone-tablet-and-laptop-insurance)\n    - [Consumer credit insurance](https:\/\/moneysmart.gov.au\/add-on-insurance\/consumer-credit-insurance)\n    - [Pet insurance](https:\/\/moneysmart.gov.au\/add-on-insurance\/pet-insurance)\n  - [Other types of insurance](https:\/\/moneysmart.gov.au\/other-types-of-insurance)\n    - [Health insurance](https:\/\/moneysmart.gov.au\/other-types-of-insurance\/health-insurance)\n    - [Funeral insurance](https:\/\/moneysmart.gov.au\/other-types-of-insurance\/funeral-insurance)\n    - [Travel insurance](https:\/\/moneysmart.gov.au\/other-types-of-insurance\/travel-insurance)\n  - [Dealing with natural disasters](https:\/\/moneysmart.gov.au\/dealing-with-natural-disasters)\n    - [Preparing for a natural disaster](https:\/\/moneysmart.gov.au\/dealing-with-natural-disasters\/preparing-for-a-natural-disaster)\n    - [What to do after a natural disaster](https:\/\/moneysmart.gov.au\/dealing-with-natural-disasters\/what-to-do-after-a-natural-disaster)\n    - [Recovering from a natural disaster](https:\/\/moneysmart.gov.au\/dealing-with-natural-disasters\/recovering-from-a-natural-disaster)\n    - [Be aware of disaster chasers](https:\/\/moneysmart.gov.au\/dealing-with-natural-disasters\/be-aware-of-disaster-chasers)\n- [Scams and online safety](https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money#scams)\n  - [Online safety](https:\/\/moneysmart.gov.au\/online-safety)\n    - [Protect yourself from scams](https:\/\/moneysmart.gov.au\/online-safety\/protect-yourself-from-scams)\n    - [Online shopping](https:\/\/moneysmart.gov.au\/online-safety\/online-shopping)\n    - [Identity theft](https:\/\/moneysmart.gov.au\/online-safety\/identity-theft)\n    - [Using comparison websites](https:\/\/moneysmart.gov.au\/online-safety\/using-comparison-websites)\n    - [How to spot a scam website](https:\/\/moneysmart.gov.au\/online-safety\/how-to-spot-a-scam-website)\n    - [AI and money decisions](https:\/\/moneysmart.gov.au\/online-safety\/ai-and-money-decisions)\n    - [What is a finfluencer](https:\/\/moneysmart.gov.au\/online-safety\/what-is-a-finfluencer)\n  - [Financial scams](https:\/\/moneysmart.gov.au\/financial-scams)\n    - [Banking and credit scams](https:\/\/moneysmart.gov.au\/financial-scams\/banking-and-credit-scams)\n    - [Crypto scams](https:\/\/moneysmart.gov.au\/financial-scams\/crypto-scams)\n    - [Imposter bond investment scams](https:\/\/moneysmart.gov.au\/financial-scams\/imposter-bond-investment-scams)\n    - [Investment scams](https:\/\/moneysmart.gov.au\/financial-scams\/investment-scams)\n    - [Ponzi schemes](https:\/\/moneysmart.gov.au\/financial-scams\/ponzi-schemes)\n    - [Superannuation scams](https:\/\/moneysmart.gov.au\/financial-scams\/superannuation-scams)\n  - [Check and report scams](https:\/\/moneysmart.gov.au\/check-and-report-scams)\n    - [Report an investment scam](https:\/\/moneysmart.gov.au\/check-and-report-scams\/report-an-investment-scam)\n    - [Check before you invest](https:\/\/moneysmart.gov.au\/check-and-report-scams\/check-before-you-invest)\n    - [Investor alert list](https:\/\/moneysmart.gov.au\/check-and-report-scams\/investor-alert-list)\n    - [What to do if you've been scammed](https:\/\/moneysmart.gov.au\/check-and-report-scams\/what-to-do-if-you-ve-been-scammed)\n- [Community resources](https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money#community)\n  - [Find unclaimed money](https:\/\/moneysmart.gov.au\/find-unclaimed-money)\n    - [Claim money from bank accounts and bank dividends](https:\/\/moneysmart.gov.au\/find-unclaimed-money\/claim-money-from-bank-accounts-and-bank-dividends)\n    - [Claim money from life insurance policies](https:\/\/moneysmart.gov.au\/find-unclaimed-money\/claim-money-from-life-insurance-policies)\n    - [Claim money from shares and investments](https:\/\/moneysmart.gov.au\/find-unclaimed-money\/claim-money-from-shares-and-investments)\n    - [Claim money owed to a deregistered company](https:\/\/moneysmart.gov.au\/find-unclaimed-money\/claim-money-owed-to-a-deregistered-company)\n    - [Proof of ownership for unclaimed money](https:\/\/moneysmart.gov.au\/find-unclaimed-money\/proof-of-ownership-for-unclaimed-money)\n    - [Money held by state governments](https:\/\/moneysmart.gov.au\/find-unclaimed-money\/money-held-by-state-governments)\n    - [Interest paid on unclaimed money](https:\/\/moneysmart.gov.au\/find-unclaimed-money\/interest-paid-on-unclaimed-money)\n  - [Moneysmart for teachers](https:\/\/moneysmart.gov.au\/teaching)\n    - [Lesson plans](https:\/\/moneysmart.gov.au\/teaching\/lesson-plans)\n    - [Teaching consumer and financial literacy](https:\/\/moneysmart.gov.au\/teaching\/teaching-consumer-and-financial-literacy)\n  - [Student life and money](https:\/\/moneysmart.gov.au\/student-life-and-money)\n    - [Studying](https:\/\/moneysmart.gov.au\/student-life-and-money\/studying)\n    - [Moving out of home](https:\/\/moneysmart.gov.au\/student-life-and-money\/moving-out-of-home)\n    - [Rental bonds and leases](https:\/\/moneysmart.gov.au\/student-life-and-money\/rental-bonds-and-leases)\n    - [Getting a job](https:\/\/moneysmart.gov.au\/student-life-and-money\/getting-a-job)\n    - [Credit and debt](https:\/\/moneysmart.gov.au\/student-life-and-money\/credit-and-debt)\n    - [Choosing a mobile phone plan](https:\/\/moneysmart.gov.au\/student-life-and-money\/choosing-a-mobile-phone-plan)\n    - [Buying and running a car](https:\/\/moneysmart.gov.au\/student-life-and-money\/buying-and-running-a-car)\n  - [Publications and resources](https:\/\/moneysmart.gov.au\/publications-and-resources)\n    - [Publications](https:\/\/moneysmart.gov.au\/publications-and-resources\/publications)\n    - [Money tips in other languages](https:\/\/moneysmart.gov.au\/publications-and-resources\/money-tips-in-other-languages)\n    - [How to complain](https:\/\/moneysmart.gov.au\/publications-and-resources\/how-to-complain)\n  - [Supporting First Nations people with money matters](https:\/\/moneysmart.gov.au\/supporting-first-nations-people-with-money-matters)\n    - [Book up](https:\/\/moneysmart.gov.au\/supporting-first-nations-people-with-money-matters\/book-up)\n    - [Dealing with family pressure about money](https:\/\/moneysmart.gov.au\/supporting-first-nations-people-with-money-matters\/dealing-with-family-pressure-about-money)\n    - [Door-to-door sales](https:\/\/moneysmart.gov.au\/supporting-first-nations-people-with-money-matters\/door-to-door-sales)\n    - [Managing large sums of money](https:\/\/moneysmart.gov.au\/supporting-first-nations-people-with-money-matters\/managing-large-sums-of-money)\n    - [Paying for funerals](https:\/\/moneysmart.gov.au\/supporting-first-nations-people-with-money-matters\/paying-for-funerals)\n    - [Buying a hamper](https:\/\/moneysmart.gov.au\/supporting-first-nations-people-with-money-matters\/buying-a-hamper)\n    - [Superannuation](https:\/\/moneysmart.gov.au\/supporting-first-nations-people-with-money-matters\/superannuation)\n    - [How to prove your identity](https:\/\/moneysmart.gov.au\/supporting-first-nations-people-with-money-matters\/how-to-prove-your-identity)\n    - [Bank accounts](https:\/\/moneysmart.gov.au\/supporting-first-nations-people-with-money-matters\/bank-accounts)\n    - [Cash loans](https:\/\/moneysmart.gov.au\/supporting-first-nations-people-with-money-matters\/cash-loans)\n    - [How insurance works](https:\/\/moneysmart.gov.au\/supporting-first-nations-people-with-money-matters\/how-insurance-works)\n    - [How to choose insurance](https:\/\/moneysmart.gov.au\/supporting-first-nations-people-with-money-matters\/how-to-choose-insurance)\n    - [Making an insurance claim](https:\/\/moneysmart.gov.au\/supporting-first-nations-people-with-money-matters\/making-an-insurance-claim)\n    - [First Nations services that can help](https:\/\/moneysmart.gov.au\/supporting-first-nations-people-with-money-matters\/first-nations-services-that-can-help)\n\n- [About us](https:\/\/moneysmart.gov.au\/about-us)\n- [Contact us](https:\/\/moneysmart.gov.au\/contact-us)\n- [Glossary](https:\/\/moneysmart.gov.au\/glossary)\n- [Media centre](https:\/\/moneysmart.gov.au\/media-centre)\n\n- [Like MoneySmart on Facebook](https:\/\/www.facebook.com\/MoneySmartAu \"Like MoneySmart on Facebook\")\n- [Subscribe to MoneySmart on Youtube](https:\/\/www.youtube.com\/user\/MoneySmartAu \"Subscribe to MoneySmart on Youtube\")\n- [Follow MoneySmart on Instagram](https:\/\/www.instagram.com\/moneysmartau\/ \"Follow MoneySmart on Instagram\")\n\n![Australian Government crest](https:\/\/static.moneysmart.gov.au\/nextgen\/img\/image-placeholder.gif)\n\n# Simple ways to save money\nFind out how to save money and make a savings plan to  stay on track.\n\n- On this page\n- [Know where your money is going](https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money#know-where-your-money-is-going \"Know where your money is going\")\n- [Look for ways to save](https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money#look-for-ways-to-save \"Look for ways to save\")\n- [Set a savings goal](https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money#set-a-savings-goal \"Set a savings goal\")\n- [Have a savings plan](https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money#have-a-savings-plan \"Have a savings plan\")\n## Know where your money is going\nNo matter whether you’re a highly organised saver or whether saving money feels like an impossible task, it’s worth doing an annual sense check of your money habits to make sure they’re working for you.\n\nSo before you work out how to save, it’s good to know what your money gets spent on.\n\nGet ready to download your bank transactions for the past year, and read [track your spending](https:\/\/moneysmart.gov.au\/budgeting\/track-your-spending \"Track your spending\") for tips on how to do this.\n\nOnce you're ready, you can use our [budget planner](https:\/\/moneysmart.gov.au\/budgeting\/budget-planner \"Budget planner\") to put it all together.\n\n[Use the budget planner](https:\/\/moneysmart.gov.au\/budgeting\/budget-planner \"Budget planner\")\n\n## Look for ways to save\nSome savings tips mean making lifestyle changes – but some don’t. Let’s look at the easy wins first.\n\nThere are some things that you have to spend money on – but you might be able to make them cheaper.\n\n### Electricity and gas\nCompare energy suppliers to get the best deal. Use the Government's [Energy Made Easy](https:\/\/www.energymadeeasy.gov.au\/ \"Energy Made Easy\") website. Or [Victorian Energy Compare](https:\/\/compare.energy.vic.gov.au\/ \"Victorian Energy Compare\"), if you're in Victoria.\n\nIf you don't want to change providers, phone your current energy provider and ask if they have a cheaper contract that would match your usage.\n\nYou can also try some behavioural changes, like:\n\n- **Heating and cooling** – only heat or cool the room you're using. Open or close blinds to help control the temperature inside. Adjust your air conditioner to an energy-efficient setting. Block draughts to avoid leaking heat (for example, put a door snake against the door).\n- **Laundry** – run your washing machine with a full load. Use cold water in your machine where possible.\n- **Appliances** – use energy-efficient appliances or lights, if you can. Try to use appliances outside peak times when tariffs are lower (check your bill to see when it's cheaper).\n- **Turn off when not in use** – turn off 'vampire appliances' at the wall, to avoid wasting energy. These include gaming consoles, anything with 'standby mode', and phones at full charge.\n### Insurance\nThe cost of insurance policies can vary by hundreds of dollars a year.\n\nWhether it's home or contents insurance, car insurance, health insurance, life insurance or some other type of insurance, compare the costs.\n\nConsider the [different types of insurance you might have](https:\/\/moneysmart.gov.au\/insurance \"Insurance\"), that you can shop around for.\n\nBefore it’s time to renew a policy, get some online quotes from other insurance providers. You can then phone your current insurer to see if they’ll match the cost.\n\nAsk for a discount when you group your policies (like car and home).\n\nLook at more than price when you’re comparing insurance. It’s important to know what you’re covered for. For tips, see [how to choose insurance](https:\/\/moneysmart.gov.au\/supporting-first-nations-people-with-money-matters\/how-to-choose-insurance \"How to choose insurance\").\n\n### Internet and phone\nCheck your monthly usage over a 12-month period and find a plan that suits your needs. You could be paying for more than you use, so look for cheaper options. Ask your provider to give you a better deal to stay.\n\nLearn more about [choosing a phone plan](https:\/\/www.accc.gov.au\/consumers\/telecommunications-and-internet\/choosing-a-mobile-phone-service \"ACCC - Choosing a mobile phone service\").\n\n### Groceries\nGroceries are one of the biggest household costs. Savings tips include:\n\n- Plan ahead – plan meals weekly, including lunches and snacks. Check your pantry, fridge and freezer. Make a shopping list and only buy what you need.\n- Meal prep – prepare meals or ingredients in advance. Freeze extras for later.\n- Buy on special – look for cheaper brands and special deals.\n- Compare unit prices – check the unit price (for example, the price per 100g) under the main price. Then compare the price and value of similar products.\n- Buy in bulk – buy staples (like rice, oats, flour) when marked down. Or buy bulk amounts with your neighbours or friends\n### Debt\nWhether you have a credit card balance, a personal loan, or some other form of debt, you’re probably paying interest.\n\nCheck the interest rate you’re paying on any loans\/debt and see if you can negotiate a cheaper rate. Use our [personal loan calculator](https:\/\/moneysmart.gov.au\/loans\/personal-loan-calculator \"Personal loan calculator\") to see how much you could save with a lower interest rate.\n\nAnd if you can, make extra repayments towards any credit card debt or loans you have. Paying off your debts sooner could save you thousands in interest. For tips on how to prioritise and manage debt, see [get debt under control](https:\/\/moneysmart.gov.au\/managing-debt\/get-debt-under-control \"Get debt under control\").\n\n### Other ways to save\nOther ways to save might mean changing your habits. Look at your expenses to see what you can change or where you could get a better deal. It may surprise you how little things add up.\n\nGo through your bank or credit card statements carefully. Look for any costs that you’d forgotten about. This could be things like subscriptions or memberships you don't use much and don’t really need.\n\nAlso look for things that, when you add them up, are costing more than you’d realised. It could be things like takeaway, or streaming services, or even clothes.\n\nThere’s nothing wrong with spending money on things you enjoy. It’s just good to be realistic about the total cost, so you can prioritise.\n\nWhatever you spend your money on, pause and ask yourself if you could get the same result, cheaper.\n\n## Set a savings goal\nSetting a savings goal helps you stay focused. It doesn't matter how big or small your goal is, work out how much money you need and make a start.\n\n[Set your savings goal now](https:\/\/moneysmart.gov.au\/saving\/savings-goals-calculator \"Savings goals calculator\")\n\n## Have a savings plan\nThe secret to saving is to start early and save often. Create a savings plan so you can manage your money and stick to your goal. Some suggestions for managing your savings habits are:\n\n### Separate your savings\nKeeping your savings in a different account to your spending helps you keep track of it.\n\nAn online [savings account](https:\/\/moneysmart.gov.au\/banking\/savings-accounts \"Savings accounts\") is a great way to grow your money faster. Unlike a transaction account, you can’t spend money directly from a savings account. So it's harder to dip into your savings.\n\n### Automate your savings\nTransfer part of your pay into your savings account. Ask your employer to do this for you, or set up a transfer from your transaction account. This way, you're saving without having to think about it.\n\n### Round-up transactions\nSome bank accounts let you round-up your daily spending to the nearest \\$1 or \\$5. The change then goes into your savings account.\n\nFor example, James buys a coffee before work each morning:\n\n- The coffee costs \\$4.50.\n- His transaction account is charged \\$5.\n- 50 cents goes into his online savings account.\n\nThis adds \\$10 a month to his savings.\n\nJoin thousands of Australians and get tools, tips and calculators to help with your money - straight to your inbox each month.\n\n[Sign up](https:\/\/moneysmart.gov.au\/subscribe-to-our-newsletter)\n\n[1Know where your money is going](https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money#know-where-your-money-is-going)\n\n[2Look for ways to save](https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money#look-for-ways-to-save)\n\n[3Set a savings goal](https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money#set-a-savings-goal)\n\n[4Have a savings plan](https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money#have-a-savings-plan)\n\nDo you find this page useful?\n\nYes\n\nNo\n\nWhy?\n\nIt had the information I was looking for\n\nThe page makes sense\n\nThe information is balanced and unbiased\n\nThe information gave me a sense of what to do next\n\nSubmit\n\nAny other feedback\n\nWhy not?\n\nIt didn't have the information I was looking for\n\nThe page was confusing\n\nThe information overwhelmed me\n\nThere wasn't enough information for me to take action\n\nSubmit\n\nAny other feedback\n\nYour feedback\n\nYour feedback relates to:\n\nYou would like to:\n\nYour issue is:\n\n- **Calculator disclaimers and assumptions** can be found under each calculator. Refer to these for more detailed information about how a specific calculator works.\n- **Calculator frequently asked questions** can be found under most calculators. Refer to these for more information.\n\nThe links below provide more information on complaints and reporting scams:\n\n- [Complain about a financial product or service](https:\/\/moneysmart.gov.au\/how-to-complain \"How to complain\")\n- [Report a scam](https:\/\/moneysmart.gov.au\/check-and-report-scams\/what-to-do-if-you-ve-been-scammed \"Report a scam\")\n- [Report misconduct to ASIC](https:\/\/asic.gov.au\/about-asic\/contact-us\/how-to-complain\/ \"ASIC - how to complain\")\n\nWe don't lend money, arrange loans or provide personal financial advice.\n\nIf you are experiencing difficulties with money, the following pages can help:\n\n- [Urgent help with money](https:\/\/moneysmart.gov.au\/managing-debt\/urgent-help-with-money \"Urgent help with money\")\n- [No or low interest loans](https:\/\/moneysmart.gov.au\/loans\/no-interest-loans \"No or low interest loans\")\n- [Problems paying your bills or fines](https:\/\/moneysmart.gov.au\/managing-debt\/problems-paying-your-bills-and-fines \"Problems paying your bills and fines\")\n- [Problems paying your mortgage](https:\/\/moneysmart.gov.au\/home-loans\/problems-paying-your-mortgage \"Problems paying your mortgage\")\n- [Find a financial counsellor](https:\/\/moneysmart.gov.au\/managing-debt\/financial-counselling \"Financial counselling\")\n\nSummary of your feedback:\n\nYour comments:\n\nThe page\/calculator\/app you are referring to (eg. cut\/paste URL):\n\nCancel\n\nSend feedback\n\n## Up next in Saving\narrow\\_backMove left\n\narrow\\_forwardMove right\n\n- [Savings goals calculator Work out how long it will take to reach your savings goals and make a plan to start 5 min read](https:\/\/moneysmart.gov.au\/saving\/savings-goals-calculator)\n- [Compound interest The power of compounding grows your savings faster 3 min read](https:\/\/moneysmart.gov.au\/saving\/compound-interest)\n- [Save for an emergency fund Tips to help you set some money aside so that you're financial prepared for life's surprises 2 min read](https:\/\/moneysmart.gov.au\/saving\/save-for-an-emergency-fund)\n- [Save for a house deposit Start building your home deposit today 4 min read](https:\/\/moneysmart.gov.au\/saving\/save-for-a-house-deposit)\n- [How to start saving Some tips to help you start saving and reach your money goals sooner 2 min read](https:\/\/moneysmart.gov.au\/saving\/how-to-start-saving)\n\n- ![](https:\/\/download.asic.gov.au\/asic-nextgen\/img\/djooroot_moort_perterfarmer_artwork.png)\n  \n  Djooroot Moort by  \n  Peter Farmer\n  \n  Acknowledgement of Country\n  \n  ASIC acknowledges the Traditional Owners of the lands and waters on which we live and work. We pay respect to Elders past and present as the custodians of the world's oldest continuing cultures.\n\n- Moneysmart\n- [About us](https:\/\/moneysmart.gov.au\/about-us \"About us\")\n- [Contact us](https:\/\/moneysmart.gov.au\/contact-us \"Contact us\")\n- [Glossary](https:\/\/moneysmart.gov.au\/glossary \"Glossary\")\n- [Media centre](https:\/\/moneysmart.gov.au\/media-centre \"Media centre\")\n- [Subscribe](https:\/\/moneysmart.gov.au\/subscribe-to-our-newsletter \"Subscribe\")\n\n- Social\n- [Instagram](https:\/\/www.instagram.com\/moneysmartau\/ \"Follow MoneySmart on Instagram\")\n- [Facebook](https:\/\/www.facebook.com\/MoneySmartAu \"Like MoneySmart on Facebook\")\n- [Youtube](https:\/\/www.youtube.com\/user\/MoneySmartAu \"Subscribe to MoneySmart on Youtube\")\n\nsearch\n\nPopular content\n\n[Find unclaimed money](https:\/\/moneysmart.gov.au\/find-unclaimed-money)\n\n[Mortgage calculator](https:\/\/moneysmart.gov.au\/home-loans\/mortgage-calculator)\n\n[Budget planner](https:\/\/moneysmart.gov.au\/budgeting\/budget-planner)\n\n[How super works](https:\/\/moneysmart.gov.au\/how-super-works)\n\n[Banking and credit scams](https:\/\/moneysmart.gov.au\/banking\/banking-and-credit-scams)\n\n[How to invest](https:\/\/moneysmart.gov.au\/how-to-invest)\n\n[Financial advisers register](https:\/\/moneysmart.gov.au\/financial-advice\/financial-advisers-register)\n\nRecently visited","attrs_readable_markdown":"Find out how to save money and make a savings plan to  stay on track.\n\n- On this page\n- [Know where your money is going](https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money#know-where-your-money-is-going \"Know where your money is going\")\n- [Look for ways to save](https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money#look-for-ways-to-save \"Look for ways to save\")\n- [Set a savings goal](https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money#set-a-savings-goal \"Set a savings goal\")\n- [Have a savings plan](https:\/\/moneysmart.gov.au\/saving\/simple-ways-to-save-money#have-a-savings-plan \"Have a savings plan\")\n## Know where your money is going\nNo matter whether you’re a highly organised saver or whether saving money feels like an impossible task, it’s worth doing an annual sense check of your money habits to make sure they’re working for you.\n\nSo before you work out how to save, it’s good to know what your money gets spent on.\n\nGet ready to download your bank transactions for the past year, and read [track your spending](https:\/\/moneysmart.gov.au\/budgeting\/track-your-spending \"Track your spending\") for tips on how to do this.\n\nOnce you're ready, you can use our [budget planner](https:\/\/moneysmart.gov.au\/budgeting\/budget-planner \"Budget planner\") to put it all together.\n\n## Look for ways to save\nSome savings tips mean making lifestyle changes – but some don’t. Let’s look at the easy wins first.\n\nThere are some things that you have to spend money on – but you might be able to make them cheaper.\n\n### Electricity and gas\nCompare energy suppliers to get the best deal. Use the Government's [Energy Made Easy](https:\/\/www.energymadeeasy.gov.au\/ \"Energy Made Easy\") website. Or [Victorian Energy Compare](https:\/\/compare.energy.vic.gov.au\/ \"Victorian Energy Compare\"), if you're in Victoria.\n\nIf you don't want to change providers, phone your current energy provider and ask if they have a cheaper contract that would match your usage.\n\nYou can also try some behavioural changes, like:\n\n- **Heating and cooling** – only heat or cool the room you're using. Open or close blinds to help control the temperature inside. Adjust your air conditioner to an energy-efficient setting. Block draughts to avoid leaking heat (for example, put a door snake against the door).\n- **Laundry** – run your washing machine with a full load. Use cold water in your machine where possible.\n- **Appliances** – use energy-efficient appliances or lights, if you can. Try to use appliances outside peak times when tariffs are lower (check your bill to see when it's cheaper).\n- **Turn off when not in use** – turn off 'vampire appliances' at the wall, to avoid wasting energy. These include gaming consoles, anything with 'standby mode', and phones at full charge.\n### Insurance\nThe cost of insurance policies can vary by hundreds of dollars a year.\n\nWhether it's home or contents insurance, car insurance, health insurance, life insurance or some other type of insurance, compare the costs.\n\nConsider the [different types of insurance you might have](https:\/\/moneysmart.gov.au\/insurance \"Insurance\"), that you can shop around for.\n\nBefore it’s time to renew a policy, get some online quotes from other insurance providers. You can then phone your current insurer to see if they’ll match the cost.\n\nAsk for a discount when you group your policies (like car and home).\n\nLook at more than price when you’re comparing insurance. It’s important to know what you’re covered for. For tips, see [how to choose insurance](https:\/\/moneysmart.gov.au\/supporting-first-nations-people-with-money-matters\/how-to-choose-insurance \"How to choose insurance\").\n\n### Internet and phone\nCheck your monthly usage over a 12-month period and find a plan that suits your needs. You could be paying for more than you use, so look for cheaper options. Ask your provider to give you a better deal to stay.\n\nLearn more about [choosing a phone plan](https:\/\/www.accc.gov.au\/consumers\/telecommunications-and-internet\/choosing-a-mobile-phone-service \"ACCC - Choosing a mobile phone service\").\n\n### Groceries\nGroceries are one of the biggest household costs. Savings tips include:\n\n- Plan ahead – plan meals weekly, including lunches and snacks. Check your pantry, fridge and freezer. Make a shopping list and only buy what you need.\n- Meal prep – prepare meals or ingredients in advance. Freeze extras for later.\n- Buy on special – look for cheaper brands and special deals.\n- Compare unit prices – check the unit price (for example, the price per 100g) under the main price. Then compare the price and value of similar products.\n- Buy in bulk – buy staples (like rice, oats, flour) when marked down. Or buy bulk amounts with your neighbours or friends\n### Debt\nWhether you have a credit card balance, a personal loan, or some other form of debt, you’re probably paying interest.\n\nCheck the interest rate you’re paying on any loans\/debt and see if you can negotiate a cheaper rate. Use our [personal loan calculator](https:\/\/moneysmart.gov.au\/loans\/personal-loan-calculator \"Personal loan calculator\") to see how much you could save with a lower interest rate.\n\nAnd if you can, make extra repayments towards any credit card debt or loans you have. Paying off your debts sooner could save you thousands in interest. For tips on how to prioritise and manage debt, see [get debt under control](https:\/\/moneysmart.gov.au\/managing-debt\/get-debt-under-control \"Get debt under control\").\n\n### Other ways to save\nOther ways to save might mean changing your habits. Look at your expenses to see what you can change or where you could get a better deal. It may surprise you how little things add up.\n\nGo through your bank or credit card statements carefully. Look for any costs that you’d forgotten about. This could be things like subscriptions or memberships you don't use much and don’t really need.\n\nAlso look for things that, when you add them up, are costing more than you’d realised. It could be things like takeaway, or streaming services, or even clothes.\n\nThere’s nothing wrong with spending money on things you enjoy. It’s just good to be realistic about the total cost, so you can prioritise.\n\nWhatever you spend your money on, pause and ask yourself if you could get the same result, cheaper.\n\n## Set a savings goal\nSetting a savings goal helps you stay focused. It doesn't matter how big or small your goal is, work out how much money you need and make a start.\n\n## Have a savings plan\nThe secret to saving is to start early and save often. Create a savings plan so you can manage your money and stick to your goal. Some suggestions for managing your savings habits are:\n\n### Separate your savings\nKeeping your savings in a different account to your spending helps you keep track of it.\n\nAn online [savings account](https:\/\/moneysmart.gov.au\/banking\/savings-accounts \"Savings accounts\") is a great way to grow your money faster. Unlike a transaction account, you can’t spend money directly from a savings account. So it's harder to dip into your savings.\n\n### Automate your savings\nTransfer part of your pay into your savings account. Ask your employer to do this for you, or set up a transfer from your transaction account. This way, you're saving without having to think about it.\n\n### Round-up transactions\nSome bank accounts let you round-up your daily spending to the nearest \\$1 or \\$5. The change then goes into your savings account.\n\nFor example, James buys a coffee before work each morning:\n\n- The coffee costs \\$4.50.\n- His transaction account is charged \\$5.\n- 50 cents goes into his online savings account.\n\nThis adds \\$10 a month to his savings.\n\nJoin thousands of Australians and get tools, tips and calculators to help with your money - straight to your inbox each month.\n\n[Sign up](https:\/\/moneysmart.gov.au\/subscribe-to-our-newsletter)","meta_canonical":null,"ml_categories_json":"{\"\/Finance\":995,\"\/Finance\/Financial_Planning_and_Management\":970,\"\/Finance\/Financial_Planning_and_Management\/Other\":769}","ml_types_json":"{\"\/Article\":945,\"\/Article\/How_to\":875}","ml_intent_types_json":"{\"Informational\":994}","meta_language":"en","attrs_author":null,"attrs_publish_time":0,"attrs_original_publish_time":1580959521,"attrs_is_republished":0,"attrs_nr_words":"2784","attrs_boilerpipe_nr_words":"1132","body_ext_links_number":10,"body_int_links_number":314,"meta_nofollow":0,"meta_noarchive":0,"props_was_rendered":1,"src_redirect":"","download_time_msec":1199,"download_ttfb_msec":640,"download_size":15633}

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Simple ways to save money - Moneysmart.gov.au

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Find easy ways to save every day, and look for quick ways to reduce your spending. Make a savings plan to stay on track.

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Find out how to save money and make a savings plan to stay on track . On this page Know where your money is going Look for ways to save Set a savings goal Have a savings plan Know where your money is going No matter whether you’re a highly organised saver or whether saving money feels like an impossible task, it’s worth doing an annual sense check of your money habits to make sure they’re working for you. So before you work out how to save, it’s good to know what your money gets spent on. Get ready to download your bank transactions for the past year, and read track your spending for tips on how to do this. Once you're ready, you can use our budget planner to put it all together. Look for ways to save Some savings tips mean making lifestyle changes – but some don’t. Let’s look at the easy wins first. There are some things that you have to spend money on – but you might be able to make them cheaper. Electricity and gas Compare energy suppliers to get the best deal. Use the Government's Energy Made Easy website. Or Victorian Energy Compare , if you're in Victoria. If you don't want to change providers, phone your current energy provider and ask if they have a cheaper contract that would match your usage. You can also try some behavioural changes, like: Heating and cooling – only heat or cool the room you're using. Open or close blinds to help control the temperature inside. Adjust your air conditioner to an energy-efficient setting. Block draughts to avoid leaking heat (for example, put a door snake against the door). Laundry – run your washing machine with a full load. Use cold water in your machine where possible. Appliances – use energy-efficient appliances or lights, if you can. Try to use appliances outside peak times when tariffs are lower (check your bill to see when it's cheaper). Turn off when not in use – turn off 'vampire appliances' at the wall, to avoid wasting energy. These include gaming consoles, anything with 'standby mode', and phones at full charge. Insurance The cost of insurance policies can vary by hundreds of dollars a year. Whether it's home or contents insurance, car insurance, health insurance, life insurance or some other type of insurance, compare the costs. Consider the different types of insurance you might have , that you can shop around for. Before it’s time to renew a policy, get some online quotes from other insurance providers. You can then phone your current insurer to see if they’ll match the cost. Ask for a discount when you group your policies (like car and home). Look at more than price when you’re comparing insurance. It’s important to know what you’re covered for. For tips, see how to choose insurance . Internet and phone Check your monthly usage over a 12-month period and find a plan that suits your needs. You could be paying for more than you use, so look for cheaper options. Ask your provider to give you a better deal to stay. Learn more about choosing a phone plan . Groceries Groceries are one of the biggest household costs. Savings tips include: Plan ahead – plan meals weekly, including lunches and snacks. Check your pantry, fridge and freezer. Make a shopping list and only buy what you need. Meal prep – prepare meals or ingredients in advance. Freeze extras for later. Buy on special – look for cheaper brands and special deals. Compare unit prices – check the unit price (for example, the price per 100g) under the main price. Then compare the price and value of similar products. Buy in bulk – buy staples (like rice, oats, flour) when marked down. Or buy bulk amounts with your neighbours or friends Debt Whether you have a credit card balance, a personal loan, or some other form of debt, you’re probably paying interest. Check the interest rate you’re paying on any loans/debt and see if you can negotiate a cheaper rate. Use our personal loan calculator to see how much you could save with a lower interest rate. And if you can, make extra repayments towards any credit card debt or loans you have. Paying off your debts sooner could save you thousands in interest. For tips on how to prioritise and manage debt, see get debt under control . Other ways to save Other ways to save might mean changing your habits. Look at your expenses to see what you can change or where you could get a better deal. It may surprise you how little things add up. Go through your bank or credit card statements carefully. Look for any costs that you’d forgotten about. This could be things like subscriptions or memberships you don't use much and don’t really need. Also look for things that, when you add them up, are costing more than you’d realised. It could be things like takeaway, or streaming services, or even clothes. There’s nothing wrong with spending money on things you enjoy. It’s just good to be realistic about the total cost, so you can prioritise. Whatever you spend your money on, pause and ask yourself if you could get the same result, cheaper. Set a savings goal Setting a savings goal helps you stay focused. It doesn't matter how big or small your goal is, work out how much money you need and make a start. Have a savings plan The secret to saving is to start early and save often. Create a savings plan so you can manage your money and stick to your goal. Some suggestions for managing your savings habits are: Separate your savings Keeping your savings in a different account to your spending helps you keep track of it. An online savings account is a great way to grow your money faster. Unlike a transaction account, you can’t spend money directly from a savings account. So it's harder to dip into your savings. Automate your savings Transfer part of your pay into your savings account. Ask your employer to do this for you, or set up a transfer from your transaction account . This way, you're saving without having to think about it. Round-up transactions Some bank accounts let you round-up your daily spending to the nearest $1 or $5. The change then goes into your savings account. For example, James buys a coffee before work each morning: The coffee costs $4.50. His transaction account is charged $5. 50 cents goes into his online savings account. This adds $10 a month to his savings. Join thousands of Australians and get tools, tips and calculators to help with your money - straight to your inbox each month. Sign up

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[About us](https://moneysmart.gov.au/about-us) - [Contact us](https://moneysmart.gov.au/contact-us) - [Glossary](https://moneysmart.gov.au/glossary) - [Media centre](https://moneysmart.gov.au/media-centre) - [Like MoneySmart on Facebook](https://www.facebook.com/MoneySmartAu "Like MoneySmart on Facebook") - [Subscribe to MoneySmart on Youtube](https://www.youtube.com/user/MoneySmartAu "Subscribe to MoneySmart on Youtube") - [Follow MoneySmart on Instagram](https://www.instagram.com/moneysmartau/ "Follow MoneySmart on Instagram") ![Australian Government crest](https://static.moneysmart.gov.au/nextgen/img/image-placeholder.gif) # Simple ways to save money Find out how to save money and make a savings plan to stay on track. - On this page - [Know where your money is going](https://moneysmart.gov.au/saving/simple-ways-to-save-money#know-where-your-money-is-going "Know where your money is going") - [Look for ways to save](https://moneysmart.gov.au/saving/simple-ways-to-save-money#look-for-ways-to-save "Look for ways to save") - [Set a savings goal](https://moneysmart.gov.au/saving/simple-ways-to-save-money#set-a-savings-goal "Set a savings goal") - [Have a savings plan](https://moneysmart.gov.au/saving/simple-ways-to-save-money#have-a-savings-plan "Have a savings plan") ## Know where your money is going No matter whether you’re a highly organised saver or whether saving money feels like an impossible task, it’s worth doing an annual sense check of your money habits to make sure they’re working for you. So before you work out how to save, it’s good to know what your money gets spent on. Get ready to download your bank transactions for the past year, and read [track your spending](https://moneysmart.gov.au/budgeting/track-your-spending "Track your spending") for tips on how to do this. Once you're ready, you can use our [budget planner](https://moneysmart.gov.au/budgeting/budget-planner "Budget planner") to put it all together. [Use the budget planner](https://moneysmart.gov.au/budgeting/budget-planner "Budget planner") ## Look for ways to save Some savings tips mean making lifestyle changes – but some don’t. Let’s look at the easy wins first. There are some things that you have to spend money on – but you might be able to make them cheaper. ### Electricity and gas Compare energy suppliers to get the best deal. Use the Government's [Energy Made Easy](https://www.energymadeeasy.gov.au/ "Energy Made Easy") website. Or [Victorian Energy Compare](https://compare.energy.vic.gov.au/ "Victorian Energy Compare"), if you're in Victoria. If you don't want to change providers, phone your current energy provider and ask if they have a cheaper contract that would match your usage. You can also try some behavioural changes, like: - **Heating and cooling** – only heat or cool the room you're using. Open or close blinds to help control the temperature inside. Adjust your air conditioner to an energy-efficient setting. Block draughts to avoid leaking heat (for example, put a door snake against the door). - **Laundry** – run your washing machine with a full load. Use cold water in your machine where possible. - **Appliances** – use energy-efficient appliances or lights, if you can. Try to use appliances outside peak times when tariffs are lower (check your bill to see when it's cheaper). - **Turn off when not in use** – turn off 'vampire appliances' at the wall, to avoid wasting energy. These include gaming consoles, anything with 'standby mode', and phones at full charge. ### Insurance The cost of insurance policies can vary by hundreds of dollars a year. Whether it's home or contents insurance, car insurance, health insurance, life insurance or some other type of insurance, compare the costs. Consider the [different types of insurance you might have](https://moneysmart.gov.au/insurance "Insurance"), that you can shop around for. Before it’s time to renew a policy, get some online quotes from other insurance providers. You can then phone your current insurer to see if they’ll match the cost. Ask for a discount when you group your policies (like car and home). Look at more than price when you’re comparing insurance. It’s important to know what you’re covered for. For tips, see [how to choose insurance](https://moneysmart.gov.au/supporting-first-nations-people-with-money-matters/how-to-choose-insurance "How to choose insurance"). ### Internet and phone Check your monthly usage over a 12-month period and find a plan that suits your needs. You could be paying for more than you use, so look for cheaper options. Ask your provider to give you a better deal to stay. Learn more about [choosing a phone plan](https://www.accc.gov.au/consumers/telecommunications-and-internet/choosing-a-mobile-phone-service "ACCC - Choosing a mobile phone service"). ### Groceries Groceries are one of the biggest household costs. Savings tips include: - Plan ahead – plan meals weekly, including lunches and snacks. Check your pantry, fridge and freezer. Make a shopping list and only buy what you need. - Meal prep – prepare meals or ingredients in advance. Freeze extras for later. - Buy on special – look for cheaper brands and special deals. - Compare unit prices – check the unit price (for example, the price per 100g) under the main price. Then compare the price and value of similar products. - Buy in bulk – buy staples (like rice, oats, flour) when marked down. Or buy bulk amounts with your neighbours or friends ### Debt Whether you have a credit card balance, a personal loan, or some other form of debt, you’re probably paying interest. Check the interest rate you’re paying on any loans/debt and see if you can negotiate a cheaper rate. Use our [personal loan calculator](https://moneysmart.gov.au/loans/personal-loan-calculator "Personal loan calculator") to see how much you could save with a lower interest rate. And if you can, make extra repayments towards any credit card debt or loans you have. Paying off your debts sooner could save you thousands in interest. For tips on how to prioritise and manage debt, see [get debt under control](https://moneysmart.gov.au/managing-debt/get-debt-under-control "Get debt under control"). ### Other ways to save Other ways to save might mean changing your habits. Look at your expenses to see what you can change or where you could get a better deal. It may surprise you how little things add up. Go through your bank or credit card statements carefully. Look for any costs that you’d forgotten about. This could be things like subscriptions or memberships you don't use much and don’t really need. Also look for things that, when you add them up, are costing more than you’d realised. It could be things like takeaway, or streaming services, or even clothes. There’s nothing wrong with spending money on things you enjoy. It’s just good to be realistic about the total cost, so you can prioritise. Whatever you spend your money on, pause and ask yourself if you could get the same result, cheaper. ## Set a savings goal Setting a savings goal helps you stay focused. It doesn't matter how big or small your goal is, work out how much money you need and make a start. [Set your savings goal now](https://moneysmart.gov.au/saving/savings-goals-calculator "Savings goals calculator") ## Have a savings plan The secret to saving is to start early and save often. Create a savings plan so you can manage your money and stick to your goal. Some suggestions for managing your savings habits are: ### Separate your savings Keeping your savings in a different account to your spending helps you keep track of it. An online [savings account](https://moneysmart.gov.au/banking/savings-accounts "Savings accounts") is a great way to grow your money faster. Unlike a transaction account, you can’t spend money directly from a savings account. So it's harder to dip into your savings. ### Automate your savings Transfer part of your pay into your savings account. Ask your employer to do this for you, or set up a transfer from your transaction account. This way, you're saving without having to think about it. ### Round-up transactions Some bank accounts let you round-up your daily spending to the nearest \$1 or \$5. The change then goes into your savings account. For example, James buys a coffee before work each morning: - The coffee costs \$4.50. - His transaction account is charged \$5. - 50 cents goes into his online savings account. This adds \$10 a month to his savings. Join thousands of Australians and get tools, tips and calculators to help with your money - straight to your inbox each month. [Sign up](https://moneysmart.gov.au/subscribe-to-our-newsletter) [1Know where your money is going](https://moneysmart.gov.au/saving/simple-ways-to-save-money#know-where-your-money-is-going) [2Look for ways to save](https://moneysmart.gov.au/saving/simple-ways-to-save-money#look-for-ways-to-save) [3Set a savings goal](https://moneysmart.gov.au/saving/simple-ways-to-save-money#set-a-savings-goal) [4Have a savings plan](https://moneysmart.gov.au/saving/simple-ways-to-save-money#have-a-savings-plan) Do you find this page useful? Yes No Why? It had the information I was looking for The page makes sense The information is balanced and unbiased The information gave me a sense of what to do next Submit Any other feedback Why not? It didn't have the information I was looking for The page was confusing The information overwhelmed me There wasn't enough information for me to take action Submit Any other feedback Your feedback Your feedback relates to: You would like to: Your issue is: - **Calculator disclaimers and assumptions** can be found under each calculator. Refer to these for more detailed information about how a specific calculator works. - **Calculator frequently asked questions** can be found under most calculators. Refer to these for more information. The links below provide more information on complaints and reporting scams: - [Complain about a financial product or service](https://moneysmart.gov.au/how-to-complain "How to complain") - [Report a scam](https://moneysmart.gov.au/check-and-report-scams/what-to-do-if-you-ve-been-scammed "Report a scam") - [Report misconduct to ASIC](https://asic.gov.au/about-asic/contact-us/how-to-complain/ "ASIC - how to complain") We don't lend money, arrange loans or provide personal financial advice. If you are experiencing difficulties with money, the following pages can help: - [Urgent help with money](https://moneysmart.gov.au/managing-debt/urgent-help-with-money "Urgent help with money") - [No or low interest loans](https://moneysmart.gov.au/loans/no-interest-loans "No or low interest loans") - [Problems paying your bills or fines](https://moneysmart.gov.au/managing-debt/problems-paying-your-bills-and-fines "Problems paying your bills and fines") - [Problems paying your mortgage](https://moneysmart.gov.au/home-loans/problems-paying-your-mortgage "Problems paying your mortgage") - [Find a financial counsellor](https://moneysmart.gov.au/managing-debt/financial-counselling "Financial counselling") Summary of your feedback: Your comments: The page/calculator/app you are referring to (eg. cut/paste URL): Cancel Send feedback ## Up next in Saving arrow\_backMove left arrow\_forwardMove right - [Savings goals calculator Work out how long it will take to reach your savings goals and make a plan to start 5 min read](https://moneysmart.gov.au/saving/savings-goals-calculator) - [Compound interest The power of compounding grows your savings faster 3 min read](https://moneysmart.gov.au/saving/compound-interest) - [Save for an emergency fund Tips to help you set some money aside so that you're financial prepared for life's surprises 2 min read](https://moneysmart.gov.au/saving/save-for-an-emergency-fund) - [Save for a house deposit Start building your home deposit today 4 min read](https://moneysmart.gov.au/saving/save-for-a-house-deposit) - [How to start saving Some tips to help you start saving and reach your money goals sooner 2 min read](https://moneysmart.gov.au/saving/how-to-start-saving) - ![](https://download.asic.gov.au/asic-nextgen/img/djooroot_moort_perterfarmer_artwork.png) Djooroot Moort by Peter Farmer Acknowledgement of Country ASIC acknowledges the Traditional Owners of the lands and waters on which we live and work. We pay respect to Elders past and present as the custodians of the world's oldest continuing cultures. - Moneysmart - [About us](https://moneysmart.gov.au/about-us "About us") - [Contact us](https://moneysmart.gov.au/contact-us "Contact us") - [Glossary](https://moneysmart.gov.au/glossary "Glossary") - [Media centre](https://moneysmart.gov.au/media-centre "Media centre") - [Subscribe](https://moneysmart.gov.au/subscribe-to-our-newsletter "Subscribe") - Social - [Instagram](https://www.instagram.com/moneysmartau/ "Follow MoneySmart on Instagram") - [Facebook](https://www.facebook.com/MoneySmartAu "Like MoneySmart on Facebook") - [Youtube](https://www.youtube.com/user/MoneySmartAu "Subscribe to MoneySmart on Youtube") search Popular content [Find unclaimed money](https://moneysmart.gov.au/find-unclaimed-money) [Mortgage calculator](https://moneysmart.gov.au/home-loans/mortgage-calculator) [Budget planner](https://moneysmart.gov.au/budgeting/budget-planner) [How super works](https://moneysmart.gov.au/how-super-works) [Banking and credit scams](https://moneysmart.gov.au/banking/banking-and-credit-scams) [How to invest](https://moneysmart.gov.au/how-to-invest) [Financial advisers register](https://moneysmart.gov.au/financial-advice/financial-advisers-register) Recently visited

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Find out how to save money and make a savings plan to stay on track. - On this page - [Know where your money is going](https://moneysmart.gov.au/saving/simple-ways-to-save-money#know-where-your-money-is-going "Know where your money is going") - [Look for ways to save](https://moneysmart.gov.au/saving/simple-ways-to-save-money#look-for-ways-to-save "Look for ways to save") - [Set a savings goal](https://moneysmart.gov.au/saving/simple-ways-to-save-money#set-a-savings-goal "Set a savings goal") - [Have a savings plan](https://moneysmart.gov.au/saving/simple-ways-to-save-money#have-a-savings-plan "Have a savings plan") ## Know where your money is going No matter whether you’re a highly organised saver or whether saving money feels like an impossible task, it’s worth doing an annual sense check of your money habits to make sure they’re working for you. So before you work out how to save, it’s good to know what your money gets spent on. Get ready to download your bank transactions for the past year, and read [track your spending](https://moneysmart.gov.au/budgeting/track-your-spending "Track your spending") for tips on how to do this. Once you're ready, you can use our [budget planner](https://moneysmart.gov.au/budgeting/budget-planner "Budget planner") to put it all together. ## Look for ways to save Some savings tips mean making lifestyle changes – but some don’t. Let’s look at the easy wins first. There are some things that you have to spend money on – but you might be able to make them cheaper. ### Electricity and gas Compare energy suppliers to get the best deal. Use the Government's [Energy Made Easy](https://www.energymadeeasy.gov.au/ "Energy Made Easy") website. Or [Victorian Energy Compare](https://compare.energy.vic.gov.au/ "Victorian Energy Compare"), if you're in Victoria. If you don't want to change providers, phone your current energy provider and ask if they have a cheaper contract that would match your usage. You can also try some behavioural changes, like: - **Heating and cooling** – only heat or cool the room you're using. Open or close blinds to help control the temperature inside. Adjust your air conditioner to an energy-efficient setting. Block draughts to avoid leaking heat (for example, put a door snake against the door). - **Laundry** – run your washing machine with a full load. Use cold water in your machine where possible. - **Appliances** – use energy-efficient appliances or lights, if you can. Try to use appliances outside peak times when tariffs are lower (check your bill to see when it's cheaper). - **Turn off when not in use** – turn off 'vampire appliances' at the wall, to avoid wasting energy. These include gaming consoles, anything with 'standby mode', and phones at full charge. ### Insurance The cost of insurance policies can vary by hundreds of dollars a year. Whether it's home or contents insurance, car insurance, health insurance, life insurance or some other type of insurance, compare the costs. Consider the [different types of insurance you might have](https://moneysmart.gov.au/insurance "Insurance"), that you can shop around for. Before it’s time to renew a policy, get some online quotes from other insurance providers. You can then phone your current insurer to see if they’ll match the cost. Ask for a discount when you group your policies (like car and home). Look at more than price when you’re comparing insurance. It’s important to know what you’re covered for. For tips, see [how to choose insurance](https://moneysmart.gov.au/supporting-first-nations-people-with-money-matters/how-to-choose-insurance "How to choose insurance"). ### Internet and phone Check your monthly usage over a 12-month period and find a plan that suits your needs. You could be paying for more than you use, so look for cheaper options. Ask your provider to give you a better deal to stay. Learn more about [choosing a phone plan](https://www.accc.gov.au/consumers/telecommunications-and-internet/choosing-a-mobile-phone-service "ACCC - Choosing a mobile phone service"). ### Groceries Groceries are one of the biggest household costs. Savings tips include: - Plan ahead – plan meals weekly, including lunches and snacks. Check your pantry, fridge and freezer. Make a shopping list and only buy what you need. - Meal prep – prepare meals or ingredients in advance. Freeze extras for later. - Buy on special – look for cheaper brands and special deals. - Compare unit prices – check the unit price (for example, the price per 100g) under the main price. Then compare the price and value of similar products. - Buy in bulk – buy staples (like rice, oats, flour) when marked down. Or buy bulk amounts with your neighbours or friends ### Debt Whether you have a credit card balance, a personal loan, or some other form of debt, you’re probably paying interest. Check the interest rate you’re paying on any loans/debt and see if you can negotiate a cheaper rate. Use our [personal loan calculator](https://moneysmart.gov.au/loans/personal-loan-calculator "Personal loan calculator") to see how much you could save with a lower interest rate. And if you can, make extra repayments towards any credit card debt or loans you have. Paying off your debts sooner could save you thousands in interest. For tips on how to prioritise and manage debt, see [get debt under control](https://moneysmart.gov.au/managing-debt/get-debt-under-control "Get debt under control"). ### Other ways to save Other ways to save might mean changing your habits. Look at your expenses to see what you can change or where you could get a better deal. It may surprise you how little things add up. Go through your bank or credit card statements carefully. Look for any costs that you’d forgotten about. This could be things like subscriptions or memberships you don't use much and don’t really need. Also look for things that, when you add them up, are costing more than you’d realised. It could be things like takeaway, or streaming services, or even clothes. There’s nothing wrong with spending money on things you enjoy. It’s just good to be realistic about the total cost, so you can prioritise. Whatever you spend your money on, pause and ask yourself if you could get the same result, cheaper. ## Set a savings goal Setting a savings goal helps you stay focused. It doesn't matter how big or small your goal is, work out how much money you need and make a start. ## Have a savings plan The secret to saving is to start early and save often. Create a savings plan so you can manage your money and stick to your goal. Some suggestions for managing your savings habits are: ### Separate your savings Keeping your savings in a different account to your spending helps you keep track of it. An online [savings account](https://moneysmart.gov.au/banking/savings-accounts "Savings accounts") is a great way to grow your money faster. Unlike a transaction account, you can’t spend money directly from a savings account. So it's harder to dip into your savings. ### Automate your savings Transfer part of your pay into your savings account. Ask your employer to do this for you, or set up a transfer from your transaction account. This way, you're saving without having to think about it. ### Round-up transactions Some bank accounts let you round-up your daily spending to the nearest \$1 or \$5. The change then goes into your savings account. For example, James buys a coffee before work each morning: - The coffee costs \$4.50. - His transaction account is charged \$5. - 50 cents goes into his online savings account. This adds \$10 a month to his savings. Join thousands of Australians and get tools, tips and calculators to help with your money - straight to your inbox each month. [Sign up](https://moneysmart.gov.au/subscribe-to-our-newsletter)

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