This post details how we managed to get a free PPSR check on the used car we just purchased in Australia. Saving ourselves money $$$$.
Recently we sold our dual-cab four-wheel drive and downsized it for a smaller and more economical vehicle. This financial move helped us free up cash for our current kitchen renovations, and also reduces our car expenses.
To maximise the money we were freeing up from the sale we decided to purchase our car secondhand privately and skipped the used car dealers. The issue with choosing to buying secondhand privately is that we needed to do the security and title checks ourselves before we went forward with the car purchase. If I purchase from a used car dealer I ask them to provide this at no charge to me. In Australia we call a security and title check a Personal Property Securities Register (PPSR) check/report.
What is a PPSR check?
A PPSR is an Australian Government register that provides vehicle details and history to consumers. The register provides information on:
Financing still owing on the vehicle
Vehicles reported as stolen
Cars that have been written off
and even if the vehicle is affected by the Takata airbag recall.
The register is a great resource aimed at protecting consumers; however, it’s not freely accessible to the public. To access this register previously I’ve paid for a PPRS check to be completed.
What is the cost of a PPRS?
If you do a google search of ‘car title and security check Australia’ you will find the top hit is RevCheck which charges $9.90 per check. This cost increases to up to $35 depending on the company and what type of search/s is conducted.
The cheapest PPRS check is through the Australian Government website which isn’t even on the first page of results that I found. The link to this check is available here for $2, and this is the same check that is completed for free if you keep reading this post.
So how do I get a PPRS check for free?
Well, that’s really simple. The insurance company Budget Direct offer them for free here saving you up to $35 (dependent on the company you use to do the PPRS check).
What’s the catch?
Well, the catch with this free PPRS check is that you have to agree to allow Budget Direct to contact you occasionally about their products and services.
What details do I need to provide to get the PPRS check?
To get your PPRS check, you just need to provide the car’s VIN number, your name, email address and mobile phone number (as per screenshot below).
Do I need to sign up with Budget Direct Insurance?
No, you don’t have to sign up for insurance or be a Budget Direct customer. That said you’d be silly not to at least get a quote and shop around for the best deal.
Did you know that there are only 20 weeks until Christmas? No that’s not an error. If like me you are yet to start planning or budgeting for your Christmas then keep reading. I have written this post with 20 tips you can implement now to help you get prepared for Christmas and hopefully save some money as well.
Start a Christmas Savings Tracker –
If you’ve been following me for a while then you would know that I love visual trackers. The ones you print out and colour in as you reach your savings or investing goals. So I’ve created a free one for you to download to help you track your Christmas Savings.
It’s super easy to use. Simply decide how much you need to save for Christmas, then divide it by 20. This will give you the amount you need to save each week.
Example: I want to save $400 for Christmas.
$400 / (divided by)20(The amount of weeks until Christmas)= $20 per week
I need to save $20 per week for 20 weeks to reach my goal of $400 by Christmas.
After you print the tracker out and place it on your fridge you simply write your goal savings amount in the blank goal area. Then you write the value of each weekly star in the blank section (eg $20 a week).
Each week you then colour in a star each time you make a transfer to your Christmas Account (See Tip 2 below)
Set up a designated Christmas Account
Once you’ve set up your Christmas Savings Goal amount and have your tracker printed for your fridge it’s now time to set up your Christmas Account. Your Christmas Account should be a separate account to your everyday banking accounts where you can automate the weekly transfers of funds to this account. I find UP Bank is great for this as you can create additional goal savings accounts, and the round up feature is helpful in encouraging you to save even more than your goal.
Buy one extra Christmas food item each week in your shopping
Each week when you do your weekly food shopping buy one extra food item that you will use during Christmas. Then put it into a box or 2nd fridge/freezer (hidden away) so by the time Christmas comes you already have a good collection of food. Only thing to remember is to make sure you purchase items that have a long shelf life.
Make a Present List
Make a list of who you will be buying presents for in advance. If you write a present list rather than heading to the shops aimlessly you will reduce the risk of impulse purchases, and by taking the time to decide on a present you might end up giving that special person in your life something they will appreciate more.
Shop Online, Do a Price Comparison check and use Coupons
We are in the middle of a Pandemic so it’s a great reason to avoid the shops and do your Christmas shopping online. The added benefit of online shopping is that you can do a price comparison through your preferred search engines before a purchase. Lastly as an extra saving use an automatic coupon finding extension like Honey for your purchases. Honey automatically finds and applies coupon codes on 40,000+ popular sites.
In addition to tip number 5 make sure you don’t forget to use cashback rewards (use the referral links below to save even more). Cashback rewards work by you utilising a link from a cashback website (rather than a direct link to the retailer). The retailer still sells you your item, as normal, but they will send the cashback site a portion of the profits, and the cashback site forwards a percentage of that money back to you. There is no cost to you to use this service.
I love homemade presents so much, and prefer something someone has made me personally than a store purchased item any day. Homemade doesn’t have to be overly time consuming either. I have in the past made homemade gifts like Vanilla Essence, Biscuits, or even Irish Cream Bailys (all of which didn’t take a lot of time to make). There are so many great ideas for homemade presents on Pinterest (click here for the search results for Homemade Presents).
Presence over Presents
We have a no adult gift rule in our home. My husband and I are super busy and the one thing we love about Christmas is that we get to spend time with our family and friends. It might sound sappy but the older I get the less I care about consumer items, and the best present is spending time with the people I love. The exception to this for us is when someone hosts an event for Christmas, and we will provide a hosting gift. The added bonus of this tip is that you don’t end up giving or receiving gifts that end up contributing to landfill.
Second hand isn’t Second Best
A few years ago my son was into dinosaurs in a big way, and so I naturally planned to buy him some dinosaurs for Christmas. At the time the popular toys were superheroes, and as a result there were very little choices in regards to dinosaurs. So I decided to head online via Gumtree and Facebook Marketplace, and I found a local lady selling a huge box of her son’s old dinosaur toys. I snapped up the box for $30, washed them and bought colourful gift boxes to put them in. I then placed them under the tree at Christmas, and my son loved them. He didn’t care that they weren’t new in fact I don’t think he even realised.
Plan your Christmas Lunch / Dinner Menu in advance
I’m not sure about you but the most expensive part of Christmas for us is the food. We swap our frugal staple meals for some ultra special and gourmet Christmas items (such as a nice bottle of French Champagne, and fancy seafood). I believe that planning your Christmas menu (and shopping list) in advance can save you a tonne of money, because you don’t over purchase and you can keep on the lookout for specials in the weeks/months before Christmas.
Start a Christmas Savings Account
If you have issues with dipping into the savings you have set aside then a Christmas Savings Account could be a good way to remove the temptation of withdrawing it. I don’t personally use a Christmas Savings Account so I have not included any recommendations or links. There are quite a few out there so when you do search for it via your search engine make sure to check on things like accessibility of funds, interest rate, and terms and conditions.
12. Skip the Traditional Pine Tree
This tip is controversial so feel free to skip it. We love getting a real pine tree each year, but due to a shortage in our state real Christmas trees are costing well over $120 (and the quality is lacking). So instead we are thinking of skipping the pine tree and purchasing an indoor plant from the nursery. It might not be as cool or hold as many decorations, but it will definitely be a talking point at Christmas (lol).
13. Ditch Christmas Wrapping paper
I’m not sure who needs to hear this but there is no rule that says your wrapping paper has to be Christmassy and match the decorations on your tree. Instead consider buying plain brown wrapping paper in a bulk roll, and use ribbons/stamps/drawings to bring them to life. The added bonus of using brown wrapping paper is that you can use it year round for birthdays and other gifts.
Take your own Christmas Photo
The only gift I ask for each year is a Christmas Photo of me and my beautiful boys (including hubby). My husband is the worst photographer (of me lol) ….. and so having a nice photo of me and the boys every so often is the best gift ever. When the kids were young I used to pay for this every year, but as the price creeped up I just couldn’t justify it at Christmas time. So I have learnt how to take my own (semi) professional photos with me in it. Each Christmas morning after the opening up of the presents the boys all know that their job is to get all dressed up for our Christmas photo. I purchased a cheap tripod some time ago and I set it up with our camera on an automatic timer. We then take photos until we get the money shot (as they say).
Ask Guests to bring what you need (and not whatever they want to bring)
If you are hosting a Christmas Event don’t be afraid to actually ask your Aunt to bring a cheese platter instead of that weird casserole that she likes to bring (and no-one eats including her). Be mindful of people’s budgets when asking for a specific item, but don’t feel bad for asking guests to bring items that you need and will be eaten.
Enjoy your Champagne whilst still keeping Alcohol costs low
Alcohol is another area that can get super expensive at Christmas time. As mentioned previously I love a nice glass of Champagne, but I keep my alcohol costs low by doing the following:
Buy a couple of nice bottles of wine and save it for the start of the day (such as for toasts). Then buy regular wine for when the good stuff runs out. Let’s be honest after a few glasses of champagne your mum won’t even remember she’s now drinking Yellowtail (this is actually one of my favourite bubbles for under $10).
Buy Alcohol Online (click and collect) in the weeks/months before Christmas Day when your favourites are on special.
Buy wine in a half dozen if possible as most retailers provide you with additional discounts.
Use cashbacks when buying alcohol online to save even more.
Use Loyalty Programs
The types of Loyalty programs on offer will depend on where you live, but being based in Australia I use both the Flybys Program and the Everyday Rewards Program. Both of these programs often have additional incentives and points to be gained in the lead up to Christmas. Make sure you download any apps related to these programs to ensure you’re notified of any new deals that might save you $.
Save your Loyalty Points for Christmas
This is one of my favourite Christmas tips, and one I’ve used for many years. I save my points up for Christmas instead of using them as they accrue. This does take a little self control, but you’ll be thanking your past self when Christmas comes around and you’ve got a nice little nest egg of points to exchange into gift cards (or other items).
Low on cash for Christmas, think about doing some market research
Sometimes saving money just isn’t enough when you don’t have any spare cash to save. With 20 weeks until Christmas you have time to sign up and do some market research (use this link to find a full list of market research companies I’m signed up with). The majority of the companies I use pay out in gift vouchers so I recommend saving these up until Christmas and exchanging these to pay for Christmas related expenses.
Make your own cards
Lastly save money by not buying Christmas Cards, and opt to make your own (or skip altogether). This year we are going to use the kids artwork, but if you don’t have kids you could write your message on the wrapping paper itself. Get creative 🙂
I would love to hear your best tips for saving money on Christmas so feel free to add a comment below. If you would like to have more articles like this delivered to your inbox subscribe below.
Last month as I completed our monthly expense review I noticed that our monthly entertainment subscriptions had gotten a little out of hand. I noticed that we were now paying for Netflix, Spotify, Prime, and Apple TV (almost $50 a month). I was a little stunned at how normal these expenses had become and decided to do something. If you are in a similar situation as us and want to do something about it then keep reading.
I don’t believe our story or situation is unique. We started out with good intentions and just one subscription service, but then slowly but surely over time more services magically appeared.
Maybe like us you added a new one because another service had a new TV show you wanted to watch……
Maybe you forgot to cancel it after the free trial…..
Maybe you hated the Spotify ads…..
Maybe you got into the habit of having all these convenient entertaining options at your finger tips…..
Whatever the reason your subscriptions (like ours) have slowly multiplied over time and now you’re quietly paying for more entertainment than you need.
So what now. Well I’ve decided to apply the scream test method to our subscriptions in order to cut them down significantly and save ourselves $500 a year.
What is the ‘Scream Test’?
I work in IT and a scream test is a term and method we use to determine if a service, function, system etc is still in use, and it’s importance. Typically scream tests are applied when no-one will take ownership of the service, function or system in question. If no-one takes ownership then no-one is able to make a decision on it’s importance, and whether it’s still required. You would be surprised at how often things such as servers are kept running without anyone using them. Scream tests are not something to be taken lightly in an IT setting, and if you would like to learn more about them take a look here.
How do you do a subscription ‘Scream Test’?
Well in very simple terms you quietly remove the subscription service, and wait for the screams from your family.
Obviously if I was applying this method to my work this explanation is overly simplified, but in terms of the context of applying it to my subscriptions this explanation suits this application perfectly.
Why am I trialling the ‘Scream Test’ method?
Well I’m 100% sure my household isn’t utilising all it’s subscriptions, and so the scream test will quickly determine what we are using and more importantly what we aren’t using.
I also don’t want to own the decision to keep/cancel the subscriptions. I have enough on my plate in terms of making decisions so for me a scream test feels like a nicer way to determine which subscriptions we should keep.
What if they ‘Scream’?
I expect my family to scream with at least one subscription, and for that reason we will keep one subscription at a time. If someone in the family wants to try another service then we can cancel our current subscription and switch.
It’s just$500 a year, who cares?
Well I do care, especially when I know that we are paying for something that we aren’t utilising. There is nothing worse in my mind than paying for something you aren’t using, and that’s why I think doing a subscription scream test in your household is a good idea.
Let me know in the comments how your subscription scream tests go or how you are keeping your subscription costs down.
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Today I’m sharing my Multi-Purpose Cleaning Spray solution recipe. It’s so easy to make, and I love it because it’s likely you already have these items in your cupboard.
This spray saves us a tonne of money, and I estimate that it costs just cents in the dollar for every 250ml I use. Additional benefits include the fact that it’s low tox, and you can modify the essential oil to match your preferences. I’m a huge fan of using Tea Tree Oil due to its anti-fungal and anti-bacterial properties (I also quite like the scent).
Multi-Purpose Cleaning Spray Solution
What do you need?
250mls of warm water
1/4 cup of household vinegar
10 drops of your favourite essential oil
a clean empty spray bottle
Use a measuring jug and mix the warm water and vinegar together.
Then add your essential oil.
Then allow to cool down before filling up your spray bottle.
Always do a spot test with any new cleaner to ensure it doesn’t damage your surfaces.
As this cleaning spray contains vinegar it shouldn’t be used on stone or marble benchtops (as it can eat away at it, and remove the shine off the surface).
If you use this recipe I would love to hear about it so feel free to post and share on Instagram (and tag me @FrankOnFIRE_ and I will reshare the love).
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Our family is pretty frugal, and during the last year I believe we’ve cut our expenses significantly in response to the global uncertainty. That said I always believe there is room for improvement so I audited our household against 70 tips to cut expenses, save money and live a thrifty life.
✔ We’ve compared ours and its one of the cheapest out there
Know your refund rights
Get help from a financial counsellor if you need it
Table – 70 tips to reduce your expenses
So we have successfully implemented 60 out of 70 of the Frugal Tips recommended by Canstar. In the next few weeks I’m going to work on some of our improvement areas and:
Start a coin jar
Check to see if we have any missing money
Consistently use petrol apps and discounts
Trial Secret Santa this year
Be a little more organised with gift giving
Calculate the ‘real’ cost of splurge items in relation to work hours
Take advantage of price matching more
Put more effort into drying clothes naturally
Find out about free study options
Overall this audit has been a really great way to check in and find a few areas to improve upon (and it didn’t take long at all). I highly recommend doing the same and the link to free printable is below:
A couple of days ago I posted an Instagram reel on utilising TAFE or student provided services as part of my frugal tips. I had a lot of comments from those who also knew about these services (and loved them), and I had a few comments from those who didn’t know about these services. So today I’m writing this article to list some of the student provided services that can save you money, and where to find them.
For this article I’ve completed a quite a bit of research on where you can access these services and have listed them below by category and state.
Hair and Beauty (Massage section further down below)
If like me you don’t want to sacrifice your hair and beauty on the way to building wealth then consider getting a student to cut your hair or do your treatment. TAFE and vocational education providers are always looking for customers for the students to train on. All students are typically supervised so don’t worry you will still end up with a good quality cut / treatment at an amazing price.
Information / Links
TAFE SA – Location – Multiple see link – Hair and Beauty (Link Here) – They do hair, nail, tanning, waxing, massage and facial services. They offer 25% off of their prices to pensioners and students. Colour Cosmetica Academy – Adelaide – Link Here
Charles Darwin University – Palmerston and Alice Springs – Hair and Beauty (Link Here) – They do hair, nail, tanning, waxing, massage and facial services. They offer an extra 25% off of prices to pensioners.
Many years ago I completed a short course at my local TAFE and discovered that they have student restaurants that offer high quality restaurant or café meals at a fraction of the price. After doing a bit of research it turns out there are numerous TAFE and Vocational institutes that do this across Australia.
Who doesn’t love a massage. The prices in the below range start from as low as $25 an hour depending on your location and treatment. Most of the links below contain additional information on supervision, what you need to bring and hygiene regulations to ease your mind.
During my research on student led clinics I found several dental clinics that offer services to the public. Some of these services do require you to be on a health card so make sure you check before you book.
During my research on student led clinics I found a several dermal and cosmetic procedure clinics that offer services to the public. Feel free to contact me if you find others and I would be happy to add the links.
Table – Student Dermal and Cosmetic Procedure Locations
Please note this isn’t a comprehensive list of all student related services in Australia. There are likely many more out there and I would be keen to add more services to this article if you find any more. Feel free to contact me or add to the comments below.
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Do you want to save money on those nasty electricity bills. Here are 5 simple ways I save money on my electricity bills.
Do a yearly electricity company review
Time to complete – Approximately 30 minutes
What do you need – Your last electricity bill. If you receive them online as a PDF you won’t need to print it out.
How does this save me money? – Grab your last electricity and / or gas bill and head on over to Energy Made Easy . This is an Australian Government power comparison website where there is no email sign up required to get a price comparison. I saved over $1000 in one year by making the switch to another provider (and I didn’t even go with the cheapest).
Make sure you use this government website (‘Don’t google electricity comparison website’) and avoid other energy comparison sites which may be paid a fee from energy providers to find you, and will also likely result in spam emails. Also your taxes pay for the free Energy Made Easy service so why not use it (I mean you’ve paid for it).
Once you’ve input your details the site will provide you a comparison pricing of all the electricity providers in your area based on your last bill. Then you compare the companies available, and the terms of each one, and let the company make the switch for you.
It really is very simple and easy. I saved over $1000 in one year by making the switch to another provider (and I didn’t even go with the cheapest). If you do select a new provider and it happens to be ReAmped Energy feel free to use my link here for $50 off your first bill (in addition to the any savings you get from switching).
Use Smart Plugs
Time to Complete – 30 minutes (including ordering the plugs, and setting them up)
What do you need? – Smart Plug/s (These can be any smartplug device you would like to use. I personally use TP-Link ones as they are available at my Hardware Store, the price point is reasonable $20 per plug, and the application to control them is free)
How does this save me money? – Have you heard of Vampire electronics? Well Vampire electronics use up electricity whether or not they are actually turned on and in use (eg your Computers, Microwave, Gaming Consoles, and TV’s). It’s estimated that Vampire electronics cost the average home an extra $200 per year (US Dollars) when not in actual use. To reduce the impact of vampire electronics smart plugs can assist you by turning off your electronic items for you. Smart plugs like the ones I use allow you to turn your electronic items off from your phone, and / or put them on timers via an application. This then reduces the vampire consumption of energy, and stops me needing to remember to turn off my electronics at the wall (which can be difficult for some electronics like microwaves).
An added bonus of using smart plugs is that I now have an auto shut down of devices for bedtime so my boys can’t sneakily access devices when they shouldn’t.
Get a thermometer for your fridge
What do you need? – Fridge Magnet Thermometer (Cost between $10-20)
How does this save me money? – Heating and cooling costs likely make up the majority of your energy costs so having our Thermometer on the fridge means that we only turn on
Heating if the temperature goes under 18 degrees Celsius.
Cooling if the temperature goes over 25 degrees Celsius.
Why a fridge thermometer? Well its simply because its a high traffic zone in our house and its the best place for us to be aware of the temperature of the house.
We also have a few other heating and cooling hints such as we wear extra layers in the cooler months, and in summer we will try the fan first before popping on the air-conditioning.
Be smart with your dryer
How does this save me money? – We all know this, but some of us like me who live in a colder climate may not always be able to avoid having a dryer all together so I have a few dryer tips.
Buy a Heat pump condenser dryer – yes the initial outlay may be more but your energy consumption will be less than half the cost of a traditional vented dryer.
Throw a dry towel into your dryer load. This will reduce the drying time which will reduce your electricity cost per load.
If you have the heater on for your own warmth then use an indoor clothes horse to dry your clothes as well.
Get a Smart Meter from your energy retailer or consider purchasing of your own
Time to Complete – 30 – 60 minutes (including ordering the smart meter if required / or talking to your energy provider, and setting it up)
What do you need? – Smart Meter (Cost between $0 and $124)
How does this save me money? – You know the quote ‘What gets measured gets managed…..” well its one of my favourites and definitely true in regards to monitoring your energy usage via a smart meter (as long as you use it correctly and intentionally of course). The savings from the smart meter come from the idea that by having a smart meter you are more aware of what the energy usage for your electronic items is in your house, and therefore choose to be more intentional with using them. You may even choose to replace high energy usage items, and replace with a more energy efficient model.
Many will already have a smart meter, and therefore you should have access to clear and detailed insights into your electricity consumption. If you have a smart meter and don’t have access to any insights get in touch with your energy provider to see how you can access your smart meters data.
If you don’t have a smart meter and would like one contact your energy provider first as you may be entitled to a free one. Alternatively if like me you are not entitled to a free one then you can get yourself a Smart Meter and install it yourself. My personal favourite is this one called the Powerpal Smart Meter . Installation of this meter is simple and no electrician is required.
There are so many other tips to save money on your electricity out there. Feel free to add your own in the comments below.
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