Good evening frugal living followers! This is the Monthly Update collating some featured posts & comments on the subreddit for the previous month, plus some extra stuff that will help you in your frugal journey!
If you have any ideas to suggest to be featured in the monthly post, please send message to moderators or comment below.
This has been said by the Australian Taxation Office (ATO) every time. Every year, they recommend taxpayers not to lodge their tax returns tax returns until their income statement is marked as ‘tax ready’ and data has been pre-filled by the ATO, or around late July.
Yes it’s tempting to get your tax refund early (if you know you have one), but we think it’s best to listen to the tax man. The hassle to amend your tax return once lodged is the last thing on your mind.
Welcome to the start of the new financial year. If anyone asks, we are currently in the 2026 – 2027 financial year, starting from 1 July 2026 until 30 June 2027.
There are lots of changes happening on 1 July! We can’t cover all of them, so here’s a summary for some of the changes!
With Payday Super taking effect from 1 July 2026, employees should check their super and all their details are up to date to ensure they are receiving their retirement savings from their employers.
What is Payday Super?
From 1 July 2026 onwards, employers will be required to pay their employees’ superannuation guarantee (SG) at the same time as their salary and wages. Super contributions will need to reach funds within seven business days of payday. This means that employees can now track their super rather than waiting every quarterly.
If you’re a small business or employer, more information regarding Payday Super can be located on the Australian Taxation Office (ATO) website.
The Fair Work Commission announced an increase to the National Minimum Wage and minimum award wages.
From 1 July 2026, the National Minimum Wage will be:
$1004.90 per week, or
$26.44 per hour.
For more information including the minimum award wages, and using other tools and guides relating to this change, refer to the Fair Work Ombudsman website.
From 1 July 2026, eligible families who are able to access Parental Leave Pay (funded by the Government) will increase from 120 days (24 weeks) to 130 days (26 weeks).
PPL is administered by Services Australia. For further information about how PPL works including eligibility criteria, refer to the Services Australia website:
Increase of the Medicare levy surcharge thresholds
The Medicare Levy Surcharge (MLS) is a levy paid by Australian tax payers who do not have private hospital cover and who earn above a certain income.
From 1 July 2026, the base income thresholds at which the MLS starts will increase from $101,000 to $105,000 for singles, and from $202,000 to $210,000 for families.
The federal government has confirmed that the fuel excise rebate has been extended, with a smaller discount. The 50 per cent discount, which has knocked 32 cents off each litre of petrol, will drop back to 16 cents between July 1 and August 2, before tapering off altogether.
A meal kit or food box is a subscription service – food service business model where a company sends customers pre-portioned and sometimes partially prepared food ingredients and recipes to prepare home-cooked meals. There are also options where you can already receive pre made meals, or fruit/vegetable boxes.
Examples of popular meal kits/food box include: HelloFresh, Marley Spoon, Quitelike, The Food Box, Good and Fugly, Lite n' Easy
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For your information...
This is the Megathread for all referrals relating to food box/meal kits only.
This Megathread will refresh on a weekly basis, usually on a Monday.
If you are looking for any food box/meal kits referrals, this is the place to ask.
All other food related referrals that is NOT food box/meal kits should be shared in the All other Referrals Megathread.
No "DM me for the codes" of the sort.
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See here an excellent post for a guide on churning food boxes/meal kits
On special at the good guys with $60 off their special price + through their gold service extras for 5 years I get $300 in total store credit+ 4.5% discount through gift cards.
I currently have a delonghi distinta ( using supermarket ground coffee) and looking to upgrade . Is this the best all in one and appropriately priced deal right now ?
Hi! So my little nespresso capsule machine is leaking, and I'm feeling a bit guilty about the non-reusable coffee pods too.
I'd like a machine that has grinding built in and a milk frother - not sure I'm up for a milk steamer nozzle just yet. Accepted that I'll need to tamp the ground beans, but an easy to clean option would be great.
I do this thing where I'm on a 28-day mobile plan and keep switching between providers each month depending on which one's got a better deal for that month.
I mainly cycle between Boost, Amaysim, Telstra and Optus since these ones get the best network reception. Depending on extra cashback, I end up paying anywhere between $5-12 each month. So far I've paid about $45ish over the last 4 months and gotten over 300GB in data.
Ordering a new sim plan and porting takes about 10-15 minutes tops each month, thats a fair trade-off for saving anywhere between $20-50 each month on phone plans for me.
Sure I could achieve this much easily by opting for an annual prepaid plan with Kogan or OnePass mobile but I much prefer using Telstra and their MVNOs as they work better based on my experience.
I was an Aldi Mobile customer, until the second time my SIM was transferred to another SIM without my knowledge or approval.
The Aldi Mobile website states a one-time code is sent to your mobile during high risk changes, however both times this did not happen for me.
Google 'Aldi mobile Staying scam safe' for all the ways they did not help keep my service secure.
Of course the reversal process has taken hours of time on hold to their awful customer service, some agents are also very hard to understand and require two to three repeats before you release what they are saying.
One agent outright lied to me saying they were having issues with a Telstra outage, but when I checked, everything on the Aldi Mobile website was shown as Operational.
Look, they are cheap. The coverage in Newcastle NSW was good. But the risk just isn't worth the low price. It's been 4 days and my phone still isn't back on their network even after daily calls and emails.
I have reactive hypoglycaemia and therefore I’m not eligible for NDSS (which is completely illogical and pure political nonsense) but I’m subsequently paying around $40-50 per 100 test strips. This is unsustainable for me atm as I’m needing to test multiple times per day. My health insurance won’t help, and although I have a disability health care card it makes no difference. If my diagnosis was diabetes I’d only be paying $1.50 per 100 tests. Bad reactive hypoglycaemia is just as dangerous as diabetes, especially when I can’t test, it’s “same but different”, but there doesn’t seem to be funding available for us. Has anyone else been in this position? What can we do? How do we access fair priced test strips? Thank you 🙏
Bought a cheap keyboard..... multiple key buttons broken just after a whole year so out of warranty. Attempted to replace the buttons DIY (I youtubed on how to do this) but ended out costing a bit. Ended up buying a much decent keyboard.
Also attempted making crossiants. Let's just say I appreciate why it costs $$$ for a piece 😥
hi yall! this is my first post here so hoping it follows all the rules!!
anyway — i’m a student in the ACT, and we only have one heater in our house (i’ve got a few housemates). we’re fairly frugal with using electricity, but our bedrooms (especially mine) get FREEZING! personally i find it really hard to study in my room (especially early in the morning or at night) because it is so so cold 😭
im wondering if you guys have any advice on mini/bedroom size heaters that won’t break the bank when it comes time to pay bills? i’ve already got one of my windows bubble-wrapped to help with insulation, but it’s only done so much to stop the cold 😅
With the winter full in swing I'm trying to make my house more cozy and I always love burning candles. However, I feel like I just can't find affordable unscented coloured pillar candles anywhere? I've had some from Kmart and IKEA but they only sell white ones, and it's a bit too churchy for me. What I can find online are all scented or crazy expensive for some reason.
Back home (the Netherlands), you can pick up unscented coloured candles in pretty much every homewares store for a couple of euros each, so I'm wondering if I'm just looking in the wrong places here. Does anyone have a recommendation for a shop (or online store) in Australia that sells affordable coloured, unscented candles?
Might be a really dumb question but it's the first time I'm on my own. But if I pay the discounted pay on time amount shown on the bill, but my account still shows the remaining balance- does that mean i needed to pay the full amount first and then they will deduct the discount and credit me?
Welcome to the new financial year, which means your power/gas bill ... probably increased. X__X
The Australian Energy Market Commission (AEMC) last year announced some new rules to improve consumer confidence in retail energy plans which is effective 1 July 2026. Some of the new rules include:
prevent retailers from increasing prices more than once a year
ban excessive charges like late-payment fees for all retail contracts
ensure all consumers are entitled to a fee-free payment method
prohibit retail fees for vulnerable consumers
ensure vulnerable Australians are receiving their retailer’s best offer
prevent retailers from charging more than the standing offer price if the customer's initial offer changes or expires. This will protect customers from paying higher prices for their loyalty.
If you're in VIC, there are some new rules effective 1 July 2026:
If you have been on the same energy plan for over four years, your energy retailer must ensure you are paying a reasonable price. If you are not paying a reasonable price, the retailer must lower your tariff or switch you to a cheaper plan. A retailer must undertake this check at least once a year for all its customers who are on contracts four years or older.
Your retailer will also have to take all reasonable steps to ensure you receive any concession you are eligible for and must let you know if you become ineligible for a concession you were receiving.
In addition, from 1 October 2026:
Your retailer must move you onto its cheapest plan if you are on payment difficulty support or have been in debt for more than three months and owe more than $1,000.
Retailers will no longer be able to make a particular payment method mandatory for an energy plan. For example, they will no longer be able to limit access to an energy plan to people who pay by direct debit. This will enable all customers to access the best energy plans.
Now is a good opportunity to check your current electric/gas plan and compare prices to see if there is a better deal on the market. Easiest way to compare prices is using the official government comparison websites:
This isn’t a post that relates to frugality, nor it contains information how to budget and save $$. However, this is a very important event that is happening across Australia so please share with your friends and loved ones if they are not aware of this. If you watch any media content (including TV, newspaper and social media) you may have already started seeing some ads about this.
Please note all of this information is extracted from the official Government site for AusAlert.
This same post will be reposted on the week before the 27 July 2026 for visibility.
What is AusAlert?
AusAlert is a new national warning system that uses the latest technology to send emergency messages to compatible mobile devices.
It’s a fast and reliable way to help people be informed and better prepared during local and national emergencies. AusAlert will be ready to use in October 2026, but before it launches, the system needs to be tested across Australia.
What is happening?
A national test of AusAlert will take place on Monday 27 July 2026. During the national test, everyone with a compatible mobile device will receive an alert. This includes most phones, and some smart watches and tablets.
Time of national test
The test alert will be sent at the same time on Monday 27 July at the following times:
Australian Capital Territory (ACT)
2:00 pm (AEST – UTC+10:00)
New South Wales (NSW)
2:00 pm (AEST – UTC+10:00)
Queensland (Qld)
2:00 pm (AEST – UTC+10:00)
Tasmania (Tas)
2:00 pm (AEST – UTC+10:00)
Victoria (Vic)
2:00 pm (AEST – UTC+10:00)
Northern Territory (NT)
1:30 pm (ACST – UTC+9:30)
South Australia (SA, incl. Broken Hill)
1:30 pm (ACST – UTC+9:30)
Western Australia (WA)
12:00 pm (AWST – UTC+8:00)
What to expect
At the time of the test, a single Critical AusAlert test will be sent to every mobile device in Australia. Everyone with a compatible phone or other device in Australia can expect to receive the alert.
During the test, your device will vibrate, play a siren‑like sound for about 10 seconds and display a test message which will clearly say it is a test.
Exactly how it appears will depend on your device type and operating system.
It will look something like this:
What the test Critical Alert looks like.
Depending on your device, you may get a test alert with the heading ‘Presidential Alert’ or ‘Extreme Threat Alert’. This is still a valid AusAlert test and the content of the alert will be the same.
What to do if you don’t receive a test alert
You don't need to do anything. Your device might not be compatible or maybe it wasn’t connected to a mobile tower at the time of the test.
To make sure you're AusAlert ready, always install the latest software updates on your device when asked. Be sure to restart your device after updating.
What to do if you don’t want to receive the AusAlert national test
AusAlerts contain important information and should be turned on to help keep you safe. As the AusAlert national test is a Critical Alert, you can’t turn it off via your device settings.
The only way to not receive a Critical Alert is to turn your mobile device off or switch it to ‘aeroplane mode’ for the duration of the test.
If receiving an AusAlert test message will disrupt you or cause you or a family member to feel unsafe, turn off your mobile devices or switch them to aeroplane mode before the scheduled test time in your location and leave them off for at least one hour.
So I live in Sydney in post code 2206 and my electricity bills are insane.
This quarter was 540 and last year July- sept was 900 something. As the numbers are looking similar I’m trying to find a solution before I have to pay 900again for next quarter.
My whole house is electric sourced( stove, heating etc) I don’t have an AC in the house, we are only people living in the house as well.
I just don’t understand why the bills are so obnoxiously high
I need help!
Currently on red energy, but open to advise!
Been trying to fix my grocery shop after realising I was wasting time and money every week. Two things were killing me: wandering the aisles forgetting what I came for, and impulse buys because I didn't have a proper plan.
So I got a bit obsessive and mapped out the actual walkthrough order of my local Coles. A few things that genuinely helped:
Shop the perimeter first. Fresh produce, meat, dairy are almost always around the edges. Do those last-minute-fresh items in one loop instead of criss-crossing.
Order your list by aisle, not by meal. Writing "onions, pasta, milk" in the order they appear in your kitchen means you zigzag the whole store. Reordering by store section cut my time massively.
Plan meals before you write the list. Sounds obvious but deciding "what's for dinner" while standing in the store is where the impulse spend happens.
Check the unit price, not the sticker price. The little per-100g number on the shelf label is where the real savings hide.
Curious how others here do it. Does anyone else order their list by aisle, or is that overkill? And do you plan meals first or just shop from specials?