During uncertain economic times like these, it’s essential to make sure you’re not wasting money on things you don’t need. People go without goods or services they want, in order to reduce their spending and save money. But have you considered that you might be wasting money on things or services you do need? Things like utilities, insurances and loans are essential for our everyday living, and most Aussies are overpaying for these services.

So, how do you know if you’re overpaying for these goods and services? Have a look at the average utility prices below to compare to your bills.

How much should I be paying on electricity?

Across Australia, the average electricity bill sits at around $1,800 per year — varying slightly across the states and territories. If you are paying near or above this figure each year, you are throwing your money away.

State	Average annual electricity bill
Qld	$1,750.44
NSW	$2,017.41
ACT	$1,504.32
VIC	$1,750.44
SA	$2,299.50

*Data extracted from the Australian Bureau of Statistics consumer price index – Sept 2017.

How much should I be paying on gas?

The average quarterly gas bill ranges from $152 to $303 depending on what state you reside.

State	Average Quarterly Gas Bill
WA	$152
QLD	$204
NSW	$226
VIC	$299
ACT	$303

Source: Canstar Blue research, January 2020

Should I combine my gas and electricity?

The short answer; maybe. Some utility providers who offer both gas and electricity are able to bundle the two services to save you money as a package deal. Combining your gas and electricity may be cheaper than paying for the two individually. Let us take a look for you to see where you can get the best price.

My bill is already cheaper than the average

It’s important to remember that these figures are the average prices paid across the whole of Australia.If your electricity or gas usage is below that of the average household, it may be

Most statesare beginning to completely re-open; however, we should not expect the economy or finances to immediately resume to normal conditions. Even though it may tempt for people to get back to the usual spending habits as businesses re-open, some people need to watch their spending habits. Cost reduction and saving are among the most critical disciplines at this duration; more than 200,000 Australians lost their jobs during the past few months of the pandemic, with the country partially shut down.

Physical contacts and public places

The economy's opening means that businesses and all the previously limited places that enhance public gatherings are open. However, it isessential to understand the benefits of adhering to set guidelines for disease mitigation and stick to them, like in the previous months. You should carry your sanitizers, keep washing your hands, and do not get back to careless touching and another physical contact. As you visit stores and your workplace, you should also be cautious of touching door handles and counters, sanitizing after such contacts.

Why shouldwe save wisely at these times?

Savings have the potential to grant you freedom, primarily when the savings are generated from a reductionin the average costs. Saving can be challenging especially if you lack the motivation to save. However, among the most important aspects that individuals should consider at this duration is the uncertainty existing with the economic trends, markets might have opened but the near future situations are still unidentified.

Cost reduction

As the economy also gradually opens, Australians should also know the importance of saving through cost reductionsolutions to provide financial security. AtBillExperts,we reduce the cost of your monthly bills by negotiating lowest prices with your providers on your behalf. Saving you time, money and the hassle!

Contact us now to save money on your ongoing bills.

Temperatures across Australia have been on the rise for the past couple of years, and extra preparation for the warm months is going to come in handy. Let’s look at some tips that work on a budget for everyone!

1. Keeping the heat away

When you prevent the heat from entering your home, you ensure that the home stays cool. Using drapes, blinds, and thermal curtains are some ideas that work nicely. They keep the sunlight from entering home and helps manage how much sun you’d prefer to let in. Blinds can be closed when the sun shines brightly outside and opened during mornings and evenings.

2. Limit the use of appliances.

Oven is the appliance that adds a significant amount of heat to the living room. Instead of using the oven or the stove, you may want to use the grill machine or the microwave. And line drying the clothes instead of using the dryer.When you use LED bulbs instead of incandescent light bulbs, it not just makes your home cooler but accounts for energy savings. 90% of energy is released in the format of heat by incandescent light bulbs.Another fine idea that works is to turn off video gaming devices, PCs, and TVs when you do not use them. They add to the heat in home, while adding up to the electricity bills.

3. Controlling the humidity

By sealing the window and door cracks, you could preventhot air from seeping into your home. In case you discover a leak, you could add window stripping or caulk to the leaks. It is similarly important that the attic stays well insulated. This is a good safeguard against the heat entering the home through the roof.

5. Using fans

Using fans is one of the finest ways of beating the heat during the warm summer months. Air movement helps with evaporating the perspiration and instantly cools the body.While fans do not add much to the power bills, they reduce the room temperature by up to 10 degrees. Portable fans also work well, apart from ceiling fans, and their power consumption is about 1/10th when compared to an air conditioner.

7. Keeping the air conditioner well maintained

When you keep the air conditioner well maintained, it gives you excellent service–works efficiently and accounts for power savings. So, regularly vacuum registers, clean air filters every month, and schedule maintenance checks for the HVAC system.

8. Dressing up right

You should dress up according to the summers during summers. It keeps you comfortable. Shorts, tank tops, and sandals work nicely.

9. Frequent showers,

Cool showers make you feel good throughout summers. Washing your hands with cool water also works. It is as effective in fighting coronavirus as warm water, provided you use soap. A few of the other best ideas are to run cold water over the wrists and placing a wet washcloth over the neck.

Car insurance provides financial protection for an individual who meets with a road accident when driving. When planning to buy a car insurance, people considertheir requirements and budget.

Basic covers and comprehensive covers are both available, based upon a buyer’s preferences. Let us look at the four main types of car insurances available in Australia:

1. Compulsory Third Party (CTP)

CTP insurance covers the injuries incurred by other people in a car accident. Irrespective of where one lives in Australia, having a CTP is a must for registering one’s car.

2. Third-Party Property (TPP)

This insurance covers damage to other people’s property, such as their vehicle.

3. Third-Party, Fire, and Theft

Covers damage to your vehicle caused by fire and theft, and to other people’s property, such as their car.

4. Comprehensive car insurance

Comprehensive Car Insurance is an insurance that gives you cover for damage to your car and damage caused to other vehicles and property, and cover for theft, fire and malicious damage.

A car accident is a disturbing event in anyone’s life. When the degree of personal injury is negligible, but the car breaks down, you will need immediate services such as towing or a loan car while your vehicle is under repair. A car insurance company brings ease to such matters and makes it stress-free. Sometimes, car insurance companies make complimentary roadside assistance available.

It is sometimes difficult for a car owner to finalize the car insurance that he will want to go ahead with. The lowest-priced alternative is likely to come by as attractive, but you should consider the degree of protection you get for your money.

Many industry experts recommend going for comprehensive car insurance, which keeps you covered on all bases.

BillExperts let you find the best car insurance prices in the industry.

BillExperts is your one-stop resource for ensuring that you buy the best car insurance at the best prices in the industry. In case you feel that you are paying more for your car insurance than you should be paying, contact BillExperts today. We will negotiate better prices with your car insurance provider.