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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.

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 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!

home icon greenCut 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.

Health insuranceFind 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.

1 - 10 of 132
Name Product Treatments Price Apply
ahm health insurance logo
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
Get up to 8 weeks free. For new joins by Sep 2 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
$102.87
per month
Go to Site
All treatments
Bupa HI Pty Ltd logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Join Bupa and get up to 10 weeks free on eligible products + 2&6 month waiting periods waived on extras. Domestic policies only. Terms and conditions apply.
$106.91
per month
Go to Site
All treatments
ahm health insurance logo
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
Get up to 8 weeks free. For new joins by Sep 2 who maintain eligible combined hospital & extras. T&Cs apply. Learn more.
$109.13
per month
Go to Site
All treatments
HCF logo
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
Get loyalty rewards and discounts across Australian stores.
$112.41
per month
Go to Site
All treatments
Bupa HI Pty Ltd logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +2 other treatments covered
Join Bupa and get up to 10 weeks free on eligible products + 2&6 month waiting periods waived on extras. Domestic policies only. Terms and conditions apply.
$115.20
per month
Go to Site
All treatments
Bupa HI Pty Ltd logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +20 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +3 other treatments covered
Join Bupa and get up to 10 weeks free on eligible products + 2&6 month waiting periods waived on extras. Domestic policies only. Terms and conditions apply.
$116.10
per month
Go to Site
All treatments
Medibank Private Limited logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +4 other treatments covered
Want 6 weeks free and $500 in gift cards (couples/families) or $250 in gift cards (singles/single parents) when you join & maintain eligible Bronze Hospital+Extras or above? New members only. T&Cs apply. Excludes Basic covers. Ends 31 July 2024.
$116.22
per month
Go to Site
All treatments
HCF logo
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
Get loyalty rewards and discounts across Australian stores.
$116.67
per month
Go to Site
All treatments
Medibank Private Limited logo
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
Want 6 weeks free and $500 in gift cards (couples/families) or $250 in gift cards (singles/single parents) when you join & maintain eligible Bronze Hospital+Extras or above? New members only. T&Cs apply. Excludes Basic covers. Ends 31 July 2024.
$117.20
per month
Go to Site
All treatments
Medibank Private Limited logo
Hospital
  • Joint reconstructions
  • Ear nose and throat
  • Blood
  • Back neck and spine
  • +16 other treatments covered
Extras
  • General dental
  • Major dental
  • Optical
  • Hearing aids
  • +7 other treatments covered
Want 6 weeks free and $500 in gift cards (couples/families) or $250 in gift cards (singles/single parents) when you join & maintain eligible Bronze Hospital+Extras or above? New members only. T&Cs apply. Excludes Basic covers. Ends 31 July 2024.
$119.76
per month
Go to Site
All treatments
loading

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

money plant iconSupercharge 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

1 - 17 of 446
Name 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.)
Australian Ethical Super Australian Shares
Australian Ethical Super logo
Green CompanyEthicalHigher risk
Last 1 year performance (p.a.)
+11.04%
Last 3 year performance (p.a.)
+2.22%
Last 5 year performance (p.a.)
+8.9%
Last 10 year performance (p.a.)
+10.38%
Fees on $50k balance (p.a.)
$778
Go to siteMore Info
Hostplus Balanced
Hostplus logo
Industry fund
Last 1 year performance (p.a.)
+7.77%
Last 3 year performance (p.a.)
+6.68%
Last 5 year performance (p.a.)
+7.24%
Last 10 year performance (p.a.)
+8.37%
Fees on $50k balance (p.a.)
$606
Go to siteMore Info
Aware Super High Growth
Aware Super logo
Industry fundHigher risk
Last 1 year performance (p.a.)
+10.29%
Last 3 year performance (p.a.)
+6.3%
Last 5 year performance (p.a.)
+8.08%
Last 10 year performance (p.a.)
+8.71%
Fees on $50k balance (p.a.)
$497
Go to siteMore Info
Australian Retirement Trust - High Growth
Australian Retirement Trust logo
Industry fundHigher risk
Last 1 year performance (p.a.)
+10.61%
Last 3 year performance (p.a.)
+8.35%
Last 5 year performance (p.a.)
+8.88%
Last 10 year performance (p.a.)
+9.22%
Fees on $50k balance (p.a.)
$542
Go to siteMore Info
Virgin Money Super - LifeStage Tracker
Virgin Money Super logo
LifestageHigher risk
Last 1 year performance (p.a.)
+11.76%
Last 3 year performance (p.a.)
+6.48%
Last 5 year performance (p.a.)
+7.5%
Last 10 year performance (p.a.)
N/A
Fees on $50k balance (p.a.)
$346
Go to siteMore Info
Australian Ethical Super Growth
Australian Ethical Super logo
Green CompanyEthicalHigher risk
Last 1 year performance (p.a.)
+7.25%
Last 3 year performance (p.a.)
+4.73%
Last 5 year performance (p.a.)
+6.55%
Last 10 year performance (p.a.)
+7.68%
Fees on $50k balance (p.a.)
$733
Go to siteMore Info
HESTA Balanced Growth
HESTA logo
Industry fund
Last 1 year performance (p.a.)
+8.13%
Last 3 year performance (p.a.)
+6.19%
Last 5 year performance (p.a.)
+6.93%
Last 10 year performance (p.a.)
+7.58%
Fees on $50k balance (p.a.)
$477
Go to siteMore Info
Equip MySuper
Equip Super logo
Industry fund
Last 1 year performance (p.a.)
+8.76%
Last 3 year performance (p.a.)
+5.38%
Last 5 year performance (p.a.)
+6.26%
Last 10 year performance (p.a.)
+7.16%
Fees on $50k balance (p.a.)
$467
Go to site
Australian Retirement Trust - International Shares Index (unhedged)
Australian Retirement Trust logo
Finder AwardIndustry fundIndexed investmentHigher risk
Last 1 year performance (p.a.)
+18.15%
Last 3 year performance (p.a.)
+10.32%
Last 5 year performance (p.a.)
+10.9%
Last 10 year performance (p.a.)
+11.96%
Fees on $50k balance (p.a.)
$187
Go to siteMore Info
Australian Ethical Super Balanced
Australian Ethical Super logo
Green CompanyEthical
Last 1 year performance (p.a.)
+6.19%
Last 3 year performance (p.a.)
+3.55%
Last 5 year performance (p.a.)
+5.87%
Last 10 year performance (p.a.)
+7%
Fees on $50k balance (p.a.)
$603
Go to siteMore Info
Spaceship - GrowthX
Spaceship logo
Higher risk
Last 1 year performance (p.a.)
+18.87%
Last 3 year performance (p.a.)
+4.85%
Last 5 year performance (p.a.)
+9.03%
Last 10 year performance (p.a.)
N/A
Fees on $50k balance (p.a.)
$503
Go to siteMore Info
HESTA High Growth
HESTA logo
Industry fundHigher risk
Last 1 year performance (p.a.)
+11.27%
Last 3 year performance (p.a.)
+8.12%
Last 5 year performance (p.a.)
+9.05%
Last 10 year performance (p.a.)
+9.04%
Fees on $50k balance (p.a.)
$557
Go to siteMore Info
Spaceship - Global Index
Spaceship logo
Indexed investmentHigher risk
Last 1 year performance (p.a.)
+16.61%
Last 3 year performance (p.a.)
+9.08%
Last 5 year performance (p.a.)
+9.33%
Last 10 year performance (p.a.)
N/A
Go to siteMore Info
Australian Ethical Super International Shares
Australian Ethical Super logo
Green CompanyEthicalHigher risk
Last 1 year performance (p.a.)
+16.7%
Last 3 year performance (p.a.)
+8.37%
Last 5 year performance (p.a.)
+9.42%
Last 10 year performance (p.a.)
+9.76%
Fees on $50k balance (p.a.)
$643
Go to siteMore Info
Australian Retirement Trust - High Growth Pension
Australian Retirement Trust logo
Industry fundLifestage
Last 1 year performance (p.a.)
+8.72%
Last 3 year performance (p.a.)
+6.71%
Last 5 year performance (p.a.)
+7.27%
Last 10 year performance (p.a.)
+8.01%
Fees on $50k balance (p.a.)
$507
Go to siteMore Info
Aware Super Balanced
Aware Super logo
Industry fund
Last 1 year performance (p.a.)
+8.71%
Last 3 year performance (p.a.)
+5.29%
Last 5 year performance (p.a.)
+6.67%
Last 10 year performance (p.a.)
+7.42%
Fees on $50k balance (p.a.)
$462
Go to siteMore Info
Hostplus Australian Shares
Hostplus logo
Industry fundHigher risk
Last 1 year performance (p.a.)
+9.35%
Last 3 year performance (p.a.)
+7.79%
Last 5 year performance (p.a.)
+8.88%
Last 10 year performance (p.a.)
+8.89%
Fees on $50k balance (p.a.)
$426
Go to siteMore Info
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Showing 17 of 36 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.

Unless indicated otherwise, the information in the 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.

*Past performance data and fee data is for the period ending Apr 2024

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

Module 8 quiz

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Editor-at-large

Angus Kidman is the international editor-at-large at Finder. He's an award-winning journalist who has reported on technology, travel, finance and other topics for over 30 years. Angus appears regularly on Sunrise, Today, The Project, Seven News and other TV and radio shows. See full bio

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