Module 8: 3 more wins to keep your budget pumped

Hey there! To get the most from the Financial Fitness Challenge you need to be a Finder member. It's free and easy to sign up, so do it now!

Congratulations! You've worked through 7 modules of the Finder Financial Fitness 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

The average Australian can potentially save $1,055* on home insurance over 12 months by switching to a cheaper provider.

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

The average Australian can potentially save $683** on health insurance over 12 months by switching to a cheaper provider.

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.

10 of 347 results

Treatments	Price
ING Health Insurance - ING Bronze Plus Hospital $750 Excess + ING Essential Extras Bronze$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 +4 other treatments covered	$35.21 per week	$600 Reward Finder Rewards: Join Finder then purchase an eligible insurance policy online through Finder as a new ING health customer and hold until 31 March 2027 to receive a $600 digital Visa gift card. Ends 30 Nov 2026. T&Cs apply. Intro offer: Get 6 weeks free, plus 2 and 6 month waiting periods waived on Extras. For new members who join combined Hospital and Extras cover by 30 Nov 2026. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Bupa HI Pty Ltd - Bronze Plus Advantage Hospital $750 Excess + Freedom 50 Bronze$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 +2 other treatments covered	$28.84 per week	Intro offer: Get up to 8 weeks free + up to $400 in a Flight Centre gift card on eligible cover. New direct joins only. Offer ends 18 Nov 2026. T&Cs and exclusions apply.	Go to Site View details Compare product selectionCompare	loading
ahm health insurance - lite flexi bronze plus Bronze$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 +7 other treatments covered	$41.89 per week	Intro offer: Get up to 12 weeks free when you join by 30 Nov 2026. For new joins on eligible combined hospital & extras. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
see-u by HBF - Saver Hospital $750 Excess with Daily Co-Pay (Bronze Plus) + Easy Extras Bronze$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	$24.33 per week	Go to Site View details Compare product selectionCompare	loading
ahm health insurance - bronze no fuss + choosable 50 – teeth 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 +1 other treatments covered	$24.86 per week	Intro offer: Get up to 12 weeks free when you join by 30 Nov 2026. For new joins on eligible combined hospital & extras. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
see-u by HBF - Saver Hospital $750 Excess (Bronze Plus) + Easy Extras Bronze$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	$25.10 per week	Go to Site View details Compare product selectionCompare	loading
ahm health insurance - bronze no fuss + black 50 saver 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	$25.52 per week	Intro offer: Get up to 12 weeks free when you join by 30 Nov 2026. For new joins on eligible combined hospital & extras. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Bupa HI Pty Ltd - 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	$25.60 per week	Intro offer: Get up to 8 weeks free + up to $400 in a Flight Centre gift card on eligible cover. New direct joins only. Offer ends 18 Nov 2026. T&Cs and exclusions apply.	Go to Site View details Compare product selectionCompare	loading
HBF Health Limited - Lite Bronze Hospital Plus $750/$1500 Excess + Smart Start Extras Bronze$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 +4 other treatments covered	$25.81 per week	Intro offer: Get up to 12 weeks free and up to $200 gift card. For new members who join by 8 Dec and maintain hospital and extras cover. T&Cs apply.	Go to Site View details Compare product selectionCompare	loading
Frank Health Insurance - Frank Bronze Hospital + Frank Bundables $250 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 +8 other treatments covered	$25.82 per week	Go to Site View details Compare product selectionCompare	loading

Showing 10 of 347 results

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

17 of 565 results

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.)
9.2 Excellent Aware Super High Growth Indexed NewIndustry fundIndexed investmentHigher risk	9.2 Excellent	Last 1 year performance (p.a.) +6.95%	Last 3 year performance (p.a.) +13.99%	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $172	Go to site View details Compare product selectionCompare	loading
9.6 Excellent AMP Super Specialist International Shares Finder AwardHigher risk	9.6 Excellent	Last 1 year performance (p.a.) +9.31%	Last 3 year performance (p.a.) +16.95%	Last 5 year performance (p.a.) +11.77%	Last 10 year performance (p.a.) +12.92%	Fees on $50k balance (p.a.) $611	Go to site View details Compare product selectionCompare	loading
9.7 Excellent MLC MasterKey Super Fundamentals - MLC Low Cost Growth Higher risk	9.7 Excellent	Last 1 year performance (p.a.) +7.94%	Last 3 year performance (p.a.) +13.34%	Last 5 year performance (p.a.) +8.23%	Last 10 year performance (p.a.) +8.84%	Fees on $50k balance (p.a.) $328	Go to site View details Compare product selectionCompare	loading
9.9 Excellent Aware Super International Shares Finder AwardIndustry fundHigher risk	9.9 Excellent	Last 1 year performance (p.a.) +9.29%	Last 3 year performance (p.a.) +17.66%	Last 5 year performance (p.a.) +11.99%	Last 10 year performance (p.a.) +13.14%	Fees on $50k balance (p.a.) $167	Go to site View details Compare product selectionCompare	loading
9.5 Excellent Aware Super Balanced Indexed NewIndustry fundIndexed investmentHigher risk	9.5 Excellent	Last 1 year performance (p.a.) +5.93%	Last 3 year performance (p.a.) +12.37%	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $172	Go to site View details Compare product selectionCompare	loading
9.3 Excellent Aware Super - Balanced Socially Conscious Industry fundEthicalHigher risk	9.3 Excellent	Last 1 year performance (p.a.) +5.58%	Last 3 year performance (p.a.) +11.15%	Last 5 year performance (p.a.) +7.53%	Last 10 year performance (p.a.) +8.48%	Fees on $50k balance (p.a.) $332	Go to site View details Compare product selectionCompare	loading
9.2 Excellent Aware Super Future Saver - MySuper Lifecycle Manage Age 56 Industry fundLifestageHigher risk	9.2 Excellent	Last 1 year performance (p.a.) +5.89%	Last 3 year performance (p.a.) +10.79%	Last 5 year performance (p.a.) +6.97%	Last 10 year performance (p.a.) +9.06%	Fees on $50k balance (p.a.) $392	Go to site View details Compare product selectionCompare	loading
9.2 Excellent Aware Super Australian Shares Finder AwardIndustry fundHigher risk	9.2 Excellent	Last 1 year performance (p.a.) +3.13%	Last 3 year performance (p.a.) +11.4%	Last 5 year performance (p.a.) +7.97%	Last 10 year performance (p.a.) +9.3%	Fees on $50k balance (p.a.) $167	Go to site View details Compare product selectionCompare	loading
9 Excellent Aware Super Future Saver - MySuper Lifecycle Manage Age 57 Industry fundLifestageHigher risk	9 Excellent	Last 1 year performance (p.a.) +5.75%	Last 3 year performance (p.a.) +10.55%	Last 5 year performance (p.a.) +6.8%	Last 10 year performance (p.a.) +8.79%	Fees on $50k balance (p.a.) $392	Go to site View details Compare product selectionCompare	loading
9 Excellent Aware Super Future Saver - MySuper Lifecycle Conservative Balanced Industry fundLifestage	9 Excellent	Last 1 year performance (p.a.) +4.29%	Last 3 year performance (p.a.) +8.02%	Last 5 year performance (p.a.) +5.11%	Last 10 year performance (p.a.) +6.26%	Fees on $50k balance (p.a.) $367	Go to site View details Compare product selectionCompare	loading
8.9 Great Aware Super Future Saver - MySuper Lifecycle Manage Age 58 Industry fundLifestageHigher risk	8.9 Great	Last 1 year performance (p.a.) +5.6%	Last 3 year performance (p.a.) +10.3%	Last 5 year performance (p.a.) +6.64%	Last 10 year performance (p.a.) +8.51%	Fees on $50k balance (p.a.) $392	Go to site View details Compare product selectionCompare	loading
8.8 Great Aware Super Future Saver - MySuper Lifecycle Manage Age 59 Industry fundLifestageHigher risk	8.8 Great	Last 1 year performance (p.a.) +5.45%	Last 3 year performance (p.a.) +10.06%	Last 5 year performance (p.a.) +6.47%	Last 10 year performance (p.a.) +8.23%	Fees on $50k balance (p.a.) $387	Go to site View details Compare product selectionCompare	loading
8.7 Great Aware Super Future Saver - High Growth Socially Conscious NewIndustry fundHigher risk	8.7 Great	Last 1 year performance (p.a.) +6.37%	Last 3 year performance (p.a.) +12.51%	Last 5 year performance (p.a.) N/A	Last 10 year performance (p.a.) N/A	Fees on $50k balance (p.a.) $357	Go to site View details Compare product selectionCompare	loading
8.6 Great Aware Super Future Saver - Conservative Industry fund	8.6 Great	Last 1 year performance (p.a.) +3.38%	Last 3 year performance (p.a.) +6.21%	Last 5 year performance (p.a.) +4.13%	Last 10 year performance (p.a.) +5.01%	Fees on $50k balance (p.a.) $322	Go to site View details Compare product selectionCompare	loading
8.6 Great Aware Super Balanced Industry fundHigher risk	8.6 Great	Last 1 year performance (p.a.) +5.31%	Last 3 year performance (p.a.) +9.82%	Last 5 year performance (p.a.) +6.31%	Last 10 year performance (p.a.) +7.95%	Fees on $50k balance (p.a.) $382	Go to site View details Compare product selectionCompare	loading
8.6 Great Aware Super Future Saver - MySuper Lifecycle Manage Age 60 Industry fundLifestageHigher risk	8.6 Great	Last 1 year performance (p.a.) +5.31%	Last 3 year performance (p.a.) +9.82%	Last 5 year performance (p.a.) +6.31%	Last 10 year performance (p.a.) +7.95%	Fees on $50k balance (p.a.) $382	Go to site View details Compare product selectionCompare	loading
8.6 Great Aware Super Defensive Industry fund	8.6 Great	Last 1 year performance (p.a.) +3.54%	Last 3 year performance (p.a.) +5.54%	Last 5 year performance (p.a.) +3.73%	Last 10 year performance (p.a.) +3.95%	Fees on $50k balance (p.a.) $267	Go to site View details Compare product selectionCompare	loading

Showing 17 of 141 results

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.

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 2026

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 the table is based on data provided by Zenith CW Pty Ltd, ABN 20 639 121 403 (Chant West) unless indicated otherwise.
©Zenith CW Pty Ltd ABN 20 639 121 403 (Chant West), Authorised Representative of Zenith Investment Partners Pty Ltd ABN 27 103 132 672, AFSL 226872 under AFS Representative Number 1280401 . Our services may only be used by persons who have entered into a licence agreement with us, and use is subject to the terms of that licence agreement. Products, reports, ratings (Information) are based on data which may be sourced from a third party and may not contain all the information required to evaluate the nominated product providers, you are responsible for obtaining further information as required. To the extent that any Information provided is advice, it is General Advice (s766B Corporations Act). Individuals should seek their own independent financial advice and consider the appropriateness of any financial product in light of their own circumstances and needs before making any investment decision. Chant West has not taken into account the objectives, financial situation or needs of any specific person who may access or use the Information provided, including target markets of financial products, where applicable. It is not a specific recommendation to purchase, sell or hold any product(s) and is subject to change at any time without prior notice. Individuals should consider the appropriateness of any advice in light of their own objectives, financial situations or needs and should obtain a copy of and consider any relevant PDS or offer document before making any decision. Information is provided in good faith and is believed to be accurate, however, no representation, warranty or undertaking is provided in relation to the accuracy or completeness of the Information. Information provided is subject to copyright and may not be reproduced, modified or distributed without the consent of the copyright owner. Except for any liability which cannot be excluded, Chant West does not accept any liability whether direct or indirect, arising from use of the Information. Past performance is not an indication of future performance. Chant West ratings and research are prepared by Chant West and are not connected in any way to research and ratings prepared by any of our related entities. Full details regarding Chant West's research methodology, processes, ratings definitions are available at www.chantwest.com.au and Chant West's Financial Services Guide is available at www.chantwest.com.au/financial-services-guide

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

Finder writers are subject matter experts and use primary sources, in-depth research and interviews with other experts to ensure you're getting accurate, up-to-date information. Articles are fact checked in line with our editorial guidelines.

Thank you for your feedback!

Written by

Angus Kidman

Editor-at-large

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Angus Kidman is Finder’s global 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

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Module 8: 3 more wins to keep your budget pumped

Keep your financial fitness journey going and save hundreds of dollars.

Cut the cost of home insurance

Find cheaper health insurance

Supercharge your superannuation

Finder Score for super funds

Angus Kidman

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More guides on Finder

Module 8: 3 more wins to keep your budget pumped

Keep your financial fitness journey going and save hundreds of dollars.

Cut the cost of home insurance

Find cheaper health insurance

Supercharge your superannuation

Finder Score for super funds

Important information about our super fund comparison table

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