Module 8: 3 more wins to keep your budget pumped

Congratulations! You've worked through 7 stages of the Finder New Financial Year Challenge already, so your budget should be in better shape than ever.

Don't let the good work stop here. We've rounded up 3 extra areas where you can save even more money. Pick the ones that apply to you and start saving!

Cut the cost of home insurance

It costs around $181 a month for the average home insurance in Australia. If you're paying more than that, it's worth comparing and switching the next time your policy comes up. If you're paying annually, make a note on your calendar to check a month before your policy ends.

Most providers allow switching mid-policy too. This means you don't have to wait until your policy expires to make a move.

At an absolute minimum, you should call your current insurer and see if you can get a better deal. There is definitely money on the table here: compared to the cheapest quotes, the average Australian household could save $1,055 per year.

To give you an idea how much quotes can vary, on a $600,000 home, the difference between the highest and lowest quotes can be as much as $1,300 a year!

Learn more about finding a cheaper home insurance deal.

Find cheaper health insurance

Health insurance costs vary greatly depending on your age, health, state of residence and level of cover. But the average single Australian pays around $220 a month for gold level hospital cover.

You don't necessarily have to be paying that much. As our full guide to cheaper health insurance notes, you can find combined policies on lower tiers from as little as $23 a week by shopping around and not paying for features you won't use.

For example, you could potentially save about $683 a year comparing the average to the cheapest gold hospital cover policies.

Watch out for basic hospital policies though, as they cover almost nothing by default. Bronze is often a better place to set your minimum.

The table below shows some typical costs for bronze combined policies.

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Treatments	Rewards	Price
Finder Rewards ExclusivePromoted Lite Bronze Hospital Plus $750/$1500 Excess + Basic Extras Bronze Plus$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +19 other treatments covered Extras General dental Major dental Optical Hearing aids +2 other treatments covered	ENDS SOON! $500 VISA CARD REWARD 1 Join Finder 2 Buy HBF insurance 3 Get card from Finder Ends by. T&Cs apply.	$150.81 per month	+	Get up to 12 weeks FREE, plus up to $200 gift card. Available to new members who join by 9 December and maintain hospital and extras cover. T&Cs apply.	Go to SiteMore info Compare product selection Compare	loading
Promoted HCF HOSPITAL BRONZE PLUS $750 EXCESS + HCF STARTER EXTRAS Bronze Plus$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +22 other treatments covered Extras General dental Major dental Optical Hearing aids +4 other treatments covered	$145.32 per month	Get loyalty rewards and discounts on e-Gift cards across Australian stores.	Go to SiteMore info Compare product selection Compare	loading
Promoted Bronze Hospital $750 Excess + Freedom 50 Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +16 other treatments covered Extras General dental Major dental Optical Hearing aids +2 other treatments covered	$141.95 per month	Join directly on eligible cover & get up to 6 weeks free. New members only. Ends 07 Jan 2026. 6 weeks free applied over 2 years (3 years for annual payers). T&Cs apply.	Go to SiteMore info Compare product selection Compare	loading
Saver Hospital $750 Excess with Daily Co-Pay (Bronze Plus) + Easy Extras Bronze Plus$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +17 other treatments covered Extras General dental Major dental Optical Hearing aids +4 other treatments covered	$138.83 per month	Get up to 6 weeks free, plus up to a $400 gift card. Available to new members who join by 27 Jan 2026 and maintain eligible combined cover. T&Cs apply.	Go to SiteMore info Compare product selection Compare	loading
Saver Hospital $750 Excess (Bronze Plus) + Easy Extras Bronze Plus$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +17 other treatments covered Extras General dental Major dental Optical Hearing aids +4 other treatments covered	$140.15 per month	Get up to 6 weeks free, plus up to a $400 gift card. Available to new members who join by 27 Jan 2026 and maintain eligible combined cover. T&Cs apply.	Go to SiteMore info Compare product selection Compare	loading
Frank Bronze Hospital + Frank Basic Extras Bronze$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +16 other treatments covered Extras General dental Major dental Optical Hearing aids +3 other treatments covered	$144.75 per month	Get up to 6 weeks free. Plus, 2 & 6 month waits waived on extras when you join on combined cover. For new members only. Offer ends on 8 December. T&Cs apply.	Go to SiteMore info Compare product selection Compare	loading
Saver Hospital $750 Excess with Daily Co-Pay (Bronze Plus) + Starter Extras Bronze Plus$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +17 other treatments covered Extras General dental Major dental Optical Hearing aids +4 other treatments covered	$147.66 per month	Get up to 6 weeks free, plus up to a $400 gift card. Available to new members who join by 27 Jan 2026 and maintain eligible combined cover. T&Cs apply.	Go to SiteMore info Compare product selection Compare	loading
Bronze Plus Select Hospital $750 Excess + Freedom 50 Bronze Plus$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +21 other treatments covered Extras General dental Major dental Optical Hearing aids +2 other treatments covered	$148.75 per month	Join directly on eligible cover & get up to 6 weeks free. New members only. Ends 07 Jan 2026. 6 weeks free applied over 2 years (3 years for annual payers). T&Cs apply.	Go to SiteMore info Compare product selection Compare	loading
Saver Hospital $750 Excess (Bronze Plus) + Starter Extras Bronze Plus$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +17 other treatments covered Extras General dental Major dental Optical Hearing aids +4 other treatments covered	$148.98 per month	Get up to 6 weeks free, plus up to a $400 gift card. Available to new members who join by 27 Jan 2026 and maintain eligible combined cover. T&Cs apply.	Go to SiteMore info Compare product selection Compare	loading
Frank Bronze Plus Hospital + Frank Basic Extras Bronze Plus$750 excess	Hospital Joint reconstructions Ear nose and throat Blood Back neck and spine +18 other treatments covered Extras General dental Major dental Optical Hearing aids +3 other treatments covered	$149.20 per month	Get up to 6 weeks free. Plus, 2 & 6 month waits waived on extras when you join on combined cover. For new members only. Offer ends on 8 December. T&Cs apply.	Go to SiteMore info Compare product selection Compare	loading

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Take our health insurance quiz to see if you could save on your policy.

Supercharge your superannuation

Confused about superannuation? Don't feel bad about it. Around 27% of us aren't sure if our super will give us enough to retire. But the sooner you get your super under control, the better the long-term outcome.

These are the key considerations to make sure your super is working hard for you:

• Make sure you consolidate if you're in multiple funds from working for different employers – otherwise you're just losing money needlessly. Check out our detailed guide on how to consolidate your superannuation if that applies to you.
• Make extra super contributions. Extra money added into your superannuation can be more tax effective and helps protect your future. Even if you're just adding an extra $100 each month, that can add up. Check out our easy guide on how extra super contributions work.
• Make sure you're happy with your fund's fees and performance. The table below will give you an overview of some popular funds.

*Home insurance saving calculation based on building value of $873,736, contents of $100,000, comparing the average home insurance cost $181 a month compared to the cheapest average across each state of $93 a month

**Health insurance saving calculation based on comparing average gold hospital premium of $219.35 a month and lowest gold hospital premium of $162.44 a month

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Finder Score	Last 1 year performance (p.a.)	Last 3 year performance (p.a.)	Last 5 year performance (p.a.)	Last 10 year performance (p.a.)	Fees on $50k balance (p.a.)
Promoted Finder Score 9.6 Excellent Aware Super High Growth Indexed NewIndustry fundIndexed investmentHigher risk	Finder Score 9.6 Excellent	Last 1 year performance (p.a.) +14.69%	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $162	This is a high risk investment option that invests heavily in Australian and international shares and aims for higher returns over the long term.	Go to siteMore info Compare product selection Compare	loading
Promoted Finder Score 8.2 Great Australian Ethical Super - High Growth EthicalHigher risk	Finder Score 8.2 Great	Last 1 year performance (p.a.) +11.4%	Last 3 year performance (p.a.) +13.32%	Last 5 year performance (p.a.) +11.24%	Last 10 year performance (p.a.) +9.3%	Fees on $50k balance (p.a.) $748	This is a high-risk, high-growth option that invests in Australian and international shares, property and alternatives to provide long term growth.	Go to siteMore info Compare product selection Compare	loading
Promoted Finder Score 9.5 Excellent Hostplus International Shares Industry fundHigher risk	Finder Score 9.5 Excellent	Last 1 year performance (p.a.) +20.33%	Last 3 year performance (p.a.) +18.01%	Last 5 year performance (p.a.) +10.81%	Last 10 year performance (p.a.) +11.49%	Fees on $50k balance (p.a.) $349	Go to siteMore info Compare product selection Compare	loading
Finder Score 8.8 Great UniSuper - Sustainable High Growth Most LovedIndustry fundEthicalHigher risk	Finder Score 8.8 Great	Last 1 year performance (p.a.) +11.55%	Last 3 year performance (p.a.) +14.87%	Last 5 year performance (p.a.) +9.98%	Last 10 year performance (p.a.) +10.34%	Fees on $50k balance (p.a.) $326	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.9 Excellent Vanguard MySuper - Lifecycle Age 47 and under NewLifestage	Finder Score 9.9 Excellent	Last 1 year performance (p.a.) +14.02%	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $280	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.2 Excellent Australian Ethical Super International Shares EthicalHigher risk	Finder Score 9.2 Excellent	Last 1 year performance (p.a.) +17.84%	Last 3 year performance (p.a.) +19.24%	Last 5 year performance (p.a.) +13.58%	Last 10 year performance (p.a.) +10.29%	Fees on $50k balance (p.a.) $668	This option aims for high growth, with a higher risk profile, by investing in international stock markets.	Go to siteMore info Compare product selection Compare	loading
Finder Score 8.8 Great Australian Retirement Trust - High Growth Industry fundHigher risk	Finder Score 8.8 Great	Last 1 year performance (p.a.) +12.26%	Last 3 year performance (p.a.) +12.97%	Last 5 year performance (p.a.) +12.23%	Last 10 year performance (p.a.) +10.11%	Fees on $50k balance (p.a.) $487	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.3 Excellent Spaceship - GrowthX Higher risk	Finder Score 9.3 Excellent	Last 1 year performance (p.a.) +19.52%	Last 3 year performance (p.a.) +21.83%	Last 5 year performance (p.a.) +11.28%	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $564	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.6 Excellent Hostplus Indexed Balanced Finder AwardIndustry fund	Finder Score 9.6 Excellent	Last 1 year performance (p.a.) +11.59%	Last 3 year performance (p.a.) +13.98%	Last 5 year performance (p.a.) +10.11%	Last 10 year performance (p.a.) +8.44%	Fees on $50k balance (p.a.) $139	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.1 Excellent UniSuper - Sustainable Balanced Most LovedIndustry fundEthical	Finder Score 9.1 Excellent	Last 1 year performance (p.a.) +10.21%	Last 3 year performance (p.a.) +12.43%	Last 5 year performance (p.a.) +7.81%	Last 10 year performance (p.a.) +8.27%	Fees on $50k balance (p.a.) $326	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.8 Excellent Virgin Money Super - LifeStage Tracker Lifestage	Finder Score 9.8 Excellent	Last 1 year performance (p.a.) +13.3%	Last 3 year performance (p.a.) +15.37%	Last 5 year performance (p.a.) +11.14%	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $344	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.5 Excellent Aware Super - Balanced Socially Conscious Industry fundEthical	Finder Score 9.5 Excellent	Last 1 year performance (p.a.) +12.6%	Last 3 year performance (p.a.) +12.81%	Last 5 year performance (p.a.) +9.56%	Last 10 year performance (p.a.) +8.73%	Fees on $50k balance (p.a.) $337	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.5 Excellent AMP Super MySuper Lifestages 1970s Lifestage	Finder Score 9.5 Excellent	Last 1 year performance (p.a.) +13.27%	Last 3 year performance (p.a.) +13.4%	Last 5 year performance (p.a.) +10.35%	Last 10 year performance (p.a.) +8.38%	Fees on $50k balance (p.a.) $465	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.7 Excellent Australian Retirement Trust - International Shares Index (unhedged) Industry fundIndexed investmentHigher risk	Finder Score 9.7 Excellent	Last 1 year performance (p.a.) +20.5%	Last 3 year performance (p.a.) +20.09%	Last 5 year performance (p.a.) +14.69%	Last 10 year performance (p.a.) +11.94%	Fees on $50k balance (p.a.) $177	Go to siteMore info Compare product selection Compare	loading
Finder Score 8.3 Great Aware Super Future Saver - MySuper Lifecycle High Growth Industry fundLifestageHigher risk	Finder Score 8.3 Great	Last 1 year performance (p.a.) +11.68%	Last 3 year performance (p.a.) +13%	Last 5 year performance (p.a.) +10.48%	Last 10 year performance (p.a.) +9.58%	Fees on $50k balance (p.a.) $452	A lifecycle super fund weighted heavily towards high growth assets, targeted to people 55 and under.	Go to siteMore info Compare product selection Compare	loading
Finder Score 9.3 Excellent Vanguard Super SaveSmart - High Growth NewHigher risk	Finder Score 9.3 Excellent	Last 1 year performance (p.a.) +13.93%	Last 3 year performance (p.a.) N/A	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $270	This is a high-risk, high-growth option that invests in a range of different asset classes, with a strong focus on Australian and international shares.	Go to siteMore info Compare product selection Compare	loading
Finder Score 9 Excellent Aware Super Balanced Industry fund	Finder Score 9 Excellent	Last 1 year performance (p.a.) +10.37%	Last 3 year performance (p.a.) +11.53%	Last 5 year performance (p.a.) +8.8%	Last 10 year performance (p.a.) +8.19%	Fees on $50k balance (p.a.) $417	This is a balanced option aiming for moderate growth over the long term.	Go to siteMore info Compare product selection Compare	loading

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The information in the table is based on data provided by Chant West Pty Ltd (AFSL 255320) which is itself supplied by third parties. While such information is believed to be accurate, Chant West does not accept responsibility for any inaccuracy in such information. Chant West’s Financial Services Guide is available at https://www.chantwest.com.au/financial-services-guide . Finder offers no guarantees or warranties about the data and we recommend that users make their own enquiries before relying on this information. Performance, fees and insurance data is based on each fund's default MySuper product. Where the performance, fees and insurance data for the MySuper fund vary according to the member's age, results for individuals between 40-49 years of age have been shown. Past performance is not a reliable indicator of future performance.

Compare other products

We currently don't have that product, but here are others to consider:

How we picked these

Finder Score for super funds

Finder Score makes comparing superannuation products easier by scoring products out of 10 after assessing their performance, fees and features.

We assess products from over 40 providers based on their risk profile.

Read the full methodology

The information in this table is based on data provided by SuperRatings Pty Limited ABN 95 100 192 283, a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, Australian Financial Services Licence No. 421445. In limited instances, where data is not available from SuperRatings for a product, the data is provided directly by the superannuation fund.

*Past performance data and fee data is for the period ending September 2025

Learn more about how to choose the right super fund for you.

Written by

Angus Kidman

Editor-at-large

Angus Kidman is Finder’s International Editor-at-Large and an award-winning journalist with over 30 years of experience in tech, travel and finance. He was previously the editor of Lifehacker Australia and Australian Personal Computer, and is a recognised commentator, appearing on shows like Sunrise and The Project. A two-time IT Journalism Award winner, Angus has written for top publications such as The Sydney Morning Herald, the AFR, The Australian and Gizmodo, and is known for his expertise in travel rewards and consumer technology. See full bio

Angus's expertise

Angus has written 223 Finder guides across topics including:

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