Liquor Outlet

There are a number of small changes you can make to your daily life. It may seem fairly minor, but the savings add up and used consistently, they can make a difference.

Using ATM

If you're lucky enough to be with a bank that does not charge for using ATMs, then good luck to you. For everyone, there are several areas of rights attached to ATM use surplus - you could save a little each month by looking at your withdrawals and avoid charges.

If the account has a limit on the number of ATM transactions, POS / month, the first suggestion is to try to keep within the limit ..... prevent small transactions ($ 20 - $ 50 samples), and you'll find you can better manage. Perhaps it would be easier to withdraw some money each time and store in a safe place if you are not tempted to spend it!

Another tax attached to ATM withdrawals occurs when you use an ATM operated by another bank. Most banks for the pleasure and convenience of cash withdrawals, whenever possible, use ATMs of your bank.

The costs of the large bank of about 30 cents for ATM transactions surplus TPE / and around $ 1.50 when you use the services of a different lender!

Discount liquor

Check out Dan Murphy's, or making similar reductions for liquor promotions on alcohol. Depending on your choice of beers, you can sometimes save about $ 10 for a carton of premium beer and around $ 5 per box for a carton of VB or Carlton Draught. The same applies to wines and spirits and is even cheaper if you buy in bulk. My wife as "Pink" champagne and if we buy a box of 12 (we do not drink it all at once), we can save about 2 $ - $ 4 per bottle compared to a regular intake of alcohol. .. It saves $ 24 - $ 48!

Consolidate and save

Do you pay insurance for a number of different companies? Well, if you approach your current insurer or any other major prospective insurer and ask to consolidate your insurance (ie car, home and contents, life etc.) you're bound to get a pretty decent discount on your premiums.

Companies such as AAMI, RACV and Allianz offer all types of insurance and will certainly give you some type of savings in consolidating your policies. The insurance industry is very competitive, and it would be interesting to approach between 3-5 companies to define who can offer the best rates.

Pump carefully

The day of the week when you buy your gasoline can make a big difference. Studies indicate that in major Australian cities, gasoline is cheaper in the beginning of the week. The previous post "The purchase of petrol" provide statistics and graphs that show that gasoline purchase on Tuesday can save up to 260 per year! Coupled with the 4 cents per liter Slip-shop and you could save about $ 360 per year!

The restaurants that offer BYO

Find restaurants that have a BYO policy and you can save a lot of time.

Say that you'll eat twice a month and every meal you enjoy a nice bottle of wine. Suppose a nice bottle of wine you back $ 15 at your local store bottle. It's even nice bottle of wine would probably cost about $ 30 - $ 40 is a non-BYO restaurant.

True, you can save $ 15 and $ 25 each time you eat if you choose BYO. Get a few decent restaurants BYO you're satisfied that you have registered you between $ 300 - $ 600 on the cost of your wine per year depending on the number of times you eat.

Incidentally, a carton of Crown Lager can be bought on special for $ 40 cartridge to Dan Murphy's, etc. Liquorland, equivalent to 1.66 per bottle. The prices in restaurants varies from anywhere between $ 5 - $ 7 .... You can do the math on this.

Be a smart shopper

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