Fifty tips on how to slash your household budget
But it also can also be frittered, scattered, lost, wasted or spent on big-ticket items that have small-ticket value.
Why spend so much of your life working if you don't use your earnings in a way that makes you most happy?
Household living costs are rising sharply, so it's time to stop and look at how you spend your money. You may be wasting a lot, so here's a list of 50 ways to save it.
PERSONAL FINANCES
1. Before you can save you must work out how much money you have and how you spend it. You need a realistic budget. Budgeting tools are available at all bank websites.
2. Do a credit card check. Visit infochoice.com.au or canstar.com.au to find out if there are better offers. If you want a credit card with a rewards program, expect to pay for it with interest rates around 20 per cent.
3. Don't be fooled by marketing that says "90 days interest-free". This only applies if you pay off your card in full every month. Avoid penalties when you forget to pay on time by setting up a direct debit to your card.
4. If you can control your credit card use, don't stop using it but be smart, AMP financial planner Tony Rigby says. A good loyalty program can give you some nice rewards.
5. Be wary of using a redraw facility for everyday bills unless you are making extra repayments. It makes no sense to pay off quarterly council rates bills over a 30-year loan.
6. Check out a mortgage offset account. Non-bank lenders, credit unions and building societies can often be cheaper than many of the big banks.
7. Package all personal finance accounts under one roof to get a fee discount.
PROTECT YOURSELF
8. Check your credit file. Banks, retailers and credit providers use the data to determine whether to lend you money, and errors on the file can cost you. Phone Veda Advantage on 1300 762 207, or visit mycreditfile.com.au.
9. With home insurance, you can often lift your excess to reduce the premium, says Ian Berry Insurance spokesman Paul Modra. Just be aware that if you have a claim, you have to cop the high excess.
10. Read the policy to see what you are covered for and what is excluded. Most insurers will only offer a replacement to the agreed value.
11. Look at combining policies with one insurance provider. "You may then be eligible for a multi-policy discount," Modra says.
12. Do not treat your insurance renewal as simply another bill. Compare and possibly save with another insurer. Update your policy. ASIC says 80 per cent of people are under-insured.
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Don't accept the first insurance quote you get for your car. Compare prices for compulsory third-party policies offered and at rego renewal time. 38. Maintain your car. Have the motor oil, oil filter and air filter changed regularly.
The service plan is valid for three years/45 000km, and includes the replacement of engine oil, the oil filter, fuel filter, air filter, the brake fluid and all accessory belts. Tyres, brakes and other wear-and-tear items are excluded.
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Check your car oil & filters frequently. Blocked air flow from clogged air filters will increase fuel waste. 
RT : Don’t get talked into new wiper blades, filters or synthetic oil, unless your car is one of the few high-performance machines built for it.
Don’t get talked into new wiper blades, filters or synthetic oil, unless your car is one of the few high-performance machines built for it.
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