Money Hacks

Early Bird train travel
Your journey is free if you touch on and off before 7.15am on a weekday on the metro train network.

Travel benefits - Public Transport Victoria

I just learnt something new too - I thought this was 7am, not 7.15am! Extra 15min sleep in, winning!

 

Am

Amazing. Free travel if you start work at u730 for example.

And easy $2500 to $5k per year saving.
That's a decent euro holiday

Edit : Oops I calculated based on two way saving. My mistake.
Still a decent saving

 

Absolutely! Because I live around 5-6kms from the city, I tend to take the free train to work, and then walk home after work. Good way to find down from a stressful day, listen to some business/property podcasts and keep fit. Plus the $4.10 saving each way! Over the course of a week I can save $40. Goes a long way to paying for other things!

 

Legit. Seems to have a bit of grace also. My 6:52am scheduled arrival was delayed 15 minutes bu still no charge when I touched off.

Google Myki early bird travel.

 

I think from looking at the PTV website, the early bird freebie up until 7.15am!

 

Prepaid mobile phone plans from ALDImobile
+ they provide it via Telstra equipment so less issues when travelling through regional areas on holidays etc vs other providers (amaysim use optus).

Alternatively, if regional doesn't bother you (via vodafone ) - Kogan Mobile - Prepaid Plans For Your Mobile

For NBN - these guys (via Vocus) have worked out a great idea to restrict larger users/torrenters from slowing connection speed down/stuffing it up for everyone else by restricting how much each connection can download per hour etc, I've never been restricted, most nights watching catch-up TV, online movies etc, plus Netfix data isn't counted towards your monthly allowance (also great cheap option for your parents/older people, especially vs Tel$tra).
Full details on this page - https://forums.whirlpool.net.au/archive/2617030

 

Telstra wholesale network is not the same as Telstra direct. Nevertheless, ALDIMobile, Kogan and other MVNOs like Amaysim are a good choice depending on the needs. Amaysim works for me cause of the unlimited international calls (some good mates moved to other countries).

Didn't know about the Telecube thing. Looks interesting.

 

NBN can be a saving or upgrade at no cost. Look at bundling land-line and interweb thingy (if you still have a land-line).

Bundles may include most phone calls and possibly higher speed than ADSL. This is much cheaper than the $40/month with Telstra + broadband with a carrier $30+/month.

 

My two tips:

1. If chrome is your web browser, add the "Honey" extension. When you get to the checkout at any of the larger online retailers it will automatically search the internet and apply the coupon which will give you the biggest discount. Has saved me a bunch!

2. If you are searching for flights online do so in incognito or private mode or clear your cookies. Airlines store what your recent searches are and increase the price of the airfare if you do the same search again. Eg Yesterday I searched for 2 domestic tickets on Virgin. First search was $540 total. After searching again in incognito total price $260.

 

Great tips Mixi - Just did a search and Honey is available for firefox too Honey

 

This is another creative one, will work fine on PPOR but would lead to additional CGT issues if it's and IP.

$230K Barter Card make over

 

Yep, definitely. I'm 31 and have always been a no car person and now household.

 

I know a lawyer who is the same, never owned a car (the novelty of being on the back of a motorcycle soon wears off on the girls when it rains).

 

Lotsa hacks - SMH

The first one raised is grocery shopping - it all comes down to planning (make a list, go out weekly to the shops, buy what's on the list and no extra, plan your meals).

 

i watched barter card 1min video but still don't understand how it works. do you use it? could you explain how it works?

 

@Elives I knew a mechanic and a gym which used it.

 

yea just found some info on whirlpool doesnt sound to good, sounds like amway.

 

The West Australian eat 'n run hack:

Eat-and-run customer costing restaurants a pretty penne

 

I very much hate people who take advantage of people's generosity and good will.
Like stealing from a granny

 

Bit late eh?
Licensed dealer bids, pays lower fees at auction.
Novated lease.
Extras? Anything!