Savvy Shopper saves you money. This week we’re looking at staying home, eating in and keeping the lights on.

Switch and save

At Savvy Shopper HQ, we’ve been using Powershop for several years. We initially made the switch because it worked out cheaper than our previous supplier but we also love that they’re Australia’s greenest energy supplier and 100% carbon neutral. (Plus their customer service has always been excellent.) They’re currently running a promotion that gives you $200 credit on your energy bill if you switch to them before August 31. If, like us, you’re staying home and using more power these days, that could put a big dent in your bill.

Slash that grocery bill

Wouldn’t it be nice if you could get everything on your shopping list on sale? Clever little app Frugl (Android, iOS certainly thinks so). This app allows you to compare prices for specific products at Coles and Woolworths so you know you’re always getting the best deal. It also allows you to filter by nutritional value, health rating, sustainability and allergens.

Make a list for both supermarkets and off you go – no more standing in the aisle of Woolies googling whether laundry powder is on special at Coles. Obviously, you’ll have to decide if it’s worth it for you to go to two separate supermarkets, factoring in your time and the cost of petrol, but if you’re doing a big family weekly shop or there are both stores nearby, you can save big – up to 30 per cent, according to CEO Sean Smith.

“Each of the majors place roughly 3000-3500 items on promotion each week. There’s very little cross-over between those items, so of the estimated 7000 products on promotion across the retailers, most of those are unique and not on sale across both,” he told Yahoo Finance.

That means that once you’ve got your list, you may find your regular goods are cheaper at each store on alternating weeks.

The average Aussie household spends $140 a week on groceries, so saving 30 per cent could see an extra $42 a week in your pocket – that’s around $2184 a year. Keep in mind that Aldi fairly consistently comes out as the cheapest major supermarket so if there’s one near you, that might be the cheaper option. Keep an eye on the app for Aldi to join the line up.

Refinanced your home loan yet?

Right, those of you with home loans have probably heard this ad nauseam over the last year so I’ll keep it short, but please refinance your home loan. If you’re paying more than 3 per cent, take a very hard look at yourself.

If you’re looking to refinance a loan on your PPOR of $500,000 in NSW with an LVR of 80 per cent or less, tic:toc is offering a variable rate of 1.89 per cent with no upfront fee and the option of an offset account. That would see you making monthly repayments of $1,820.72 (assuming nothing in the offset). Compare that to just one percentage point higher (Bank of Sydney is offering 2.94 per cent) and you’d be paying $2,091.88 a month – that’s $271.16 more a month, or $3253.92 a year.

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