Save thousands on your finances this new year

Start 2022 by saving money on your credit card, insurance and more.

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Your finances are just like any else in life - they need a little attention every now and then!

A little of your time can seriously pay off though. You could save thousands with one or more of these financial tips for the new year!

Your circumstances will be unique, of course, so use this guide as starting point to get started on your own financial spring clean.

Clear your credit card debt with a 0% interest rate offer

If you're paying off a credit card, moving what you owe to a new card with a 0% balance transfer offer will help you save on interest charges. For example, if you had an average credit card balance of $2,651 and a standard variable interest rate of 19.94% p.a., you could save up to $1,086 over 30 months with one of the balance transfer offers currently on Finder.

% p.a.
Name Product Balance transfer rate Purchase rate Annual fee Amount saved
HSBC Platinum Credit Card
0% p.a. for 36 months
19.99% p.a.
$29 annual fee for the first year ($129 p.a. thereafter)
Save money with a 0% balance transfer rate for 36 months (with no BT fee), a first-year annual fee discount and free travel insurance.
Kogan Money Black Card - Exclusive Offer
0% p.a. for 30 months
20.99% p.a.
Save with a $0 annual fee and a 0% introductory rate on balance transfers. Plus, earn $50 Credit and uncapped rewards points.
St.George Vertigo Card
0% p.a. for 32 months
13.99% p.a.
$0 annual fee for the first year ($55 p.a. thereafter)
Get a 0% interest rate on balance transfers for 32 months (with no balance transfer fee) and a $0 annual fee for the first year.

Compare up to 4 providers

Refinance your home loan and save hundreds (or even thousands) of dollars

Refinancing your home loan is one of the easiest ways to save on your bills, because there's the chance to save hundreds of dollars a month for just a few hours of paperwork and admin.

Name Product Interest Rate (p.a.) Comp. Rate (p.a.) Fees Monthly Payment

UBank UHomeLoan Fixed P&IHome 1Y Fixed≥ 20% Deposit

UBank UHomeLoan Fixed
  • App: $0
  • Ongoing: $0 p.a.
Fix your mortgage for 1 year with a very competitive rate and no ongoing fees.

HSBC Home Value Loan P&IHome≥ 30% Deposit

HSBC Home Value Loan
  • App: $0
  • Ongoing: $0 p.a.
$3,288 refinance cashback offer
This competitive variable rate loan is available for borrowers with 30% deposits. Eligible refinancers borrowing $250,000 or more can get a $3,288 cashback. Terms and conditions apply. Smart Booster Discount Variable Home Loan P&IHome≥ 20% Deposit Smart Booster Discount Variable Home Loan
  • App: $0
  • Ongoing: $0 p.a.
Get a low discounted variable rate loan. Requires a 20% deposit. Get your loan processed fast and settle within 30 days.

Compare up to 4 providers

Slash up to $300 per year from your energy bills

Let's assume you signed up to an energy plan over a year ago. Most discounts or benefit periods last 12 months. After that, you're put on a standing offer as opposed to a market offer (the same can happen when you move house), which means you lose any discounts.

Fortunately, this is easy enough to action. According to the latest research, you could save between $180 and $300 annually if you switched from a standing to market offer.

All you need to do is start comparing energy plans available to you in your area.

Get the same mobile plan – but cheaper

Finder's Consumer Sentiment Tracker (CST) found that Aussies, on average, spend $52 per month on their mobile plan. $50 gets you around 55GB of data each month. After digging through available plans on Finder, we found cheaper options that offer even better value.

For example, iiNet Mobile's Extra Large Plan costs only $20 for the first 6 months and goes up to $39.99 after that, with a data allowance of 55GB. Overall, you'll end up paying approximately $360 over the year.

Get new car insurance for life after lockdown

Recent Finder research looked into the average cost of 35 different car insurers, and found a big difference in prices. While one insurer's average cost for a comprehensive plan was $628, another's was as high as $3,479 – a whopping difference of $2,851.

Given the average Aussie pays $984 per year on car insurance, you could be saving at least $356 annually by shopping around for a better deal.

Name Product Roadside Assistance Accidental Damage Storm Choice of Repairer Agreed or Market Value
Budget Direct Comprehensive
Agreed or Market
Finder's summary: Awarded the 2021 Finder Award for Car Insurance - Value in QLD, SA, TAS, VIC, WA and Car Insurance - Features in NSW, VIC, WA, this policy offers solid coverage at a low cost. Budget Direct's claims service has received a 4.2/5 based on nearly 5,000 customer reviews.

⭐ Current offer: Get 15% discount on first year's premium when you take out a policy online. T&Cs apply.

Who it might be good for: People who want a comprehensive policy without breaking the bank.
Youi Comprehensive
Agreed or Market
Finder's summary: Youi Comprehensive Car Insurance is one of the few providers to include roadside assistance in its policy. You'll also get access to YouiRewards which gives you discounts on furniture, parking and more. Youi also has a live chat feature on its site to talk through any questions.

Who it might be good for: People over 25 who want comprehensive cover with a focus on customer service.
Qantas Comprehensive
Agreed or Market
Finder's summary: You'll be able to choose how comprehensive you want your cover to be with optional extras like choice of repairer and the option of agreed or market value.

⭐ Current offer: Earn Qantas Points for joining and paying your premium. Sign up today and earn up to 20,000 Qantas Points (points awarded will be based on your premium). T&Cs and eligibility apply.

Who it might be good for: People who'd like to earn Qantas Points.

Compare up to 4 providers

Switch your health insurance to a cheaper policy

Health insurance can be pretty costly, but switching to a new policy is often a risk-free way to save some cash. To switch, just sign up to a better value plan and your new fund will do the rest. Switching generally doesn't affect your tax and waiting periods that you've served will normally carry across.

Switching health insurance also gives you access for some sweet sign-up deals! As long as you're a new customer to the new provider, any sign-up deal should apply to you. Here are a few live deals from Finder partners.

Store Discount
ahm Dealsahm Deals

Want up to $200 off? Or up to $100 for singles & single parents?

New joins on hospital & extras by Jan 31. Find out how.

Last verified


Coupon code ends

Want up to $500 worth of gift cards?

Offer for new members ends 28 February. T&Cs apply. Learn more.

Last verified


Coupon code ends

Get 6 weeks free + Waive 2 & 6 months waiting periods

Join hospital only or combined hospital & extras cover by 31 January 2022 for new members.

Last verified


Coupon code ends

Get $100 gift card + 10% off on extras premium (with combined cover)

Join hospital only or combined hospital & extras cover for new members. T&Cs apply.

Last verified

Get deal

Join and earn up to 100,000 Qantas Points*

*Eligibility criteria and T&Cs apply.

Last verified

Get deal

Deal ends

Get 6 weeks free. PLUS 2-month waits on extras waived

Offer applies for new joins on hospital and extras by 31 January. T&Cs apply.

Last verified


Coupon code ends

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