Old Age Frugality – How can senior Australians save more?

Australia is is getting ridiculously more expensive and to provide for their children, a lot of Aussie seniors have to resort to the use of catalogues specials, discount coupons and senior discounts. If you are over 55 and looking to save money on your monthly expenses, you might find this post useful.

Most catalogues come out on Tuesdays in NT suburbs but the good news is that you aren’t required to spend entire Wednesday going through a heap of catalogue because there are plenty of blogs and websites that sort and list useful coupons from retail stores such as Woolworths, Coles and Aldi.

If you are planning to organize your own coupons, you can order a coupon organizer and start storing your coupons in your new organizer. You are not going to use every coupon that gets delivered in your mailbox. I go through important ones every 3-4 days and save the clipping to folder. Don’t forget the online coupon sites can help a lot in staying up to date so you don’t really need to spend a lot of time re-inventing the wheel.

There are lots of ways to keep your vouchers in order. Some bargain hunting shoppers manage a coupon database. Whirlpool Forum recommends the small coupon books that you can find at local Reject Shop for $2 or under.

Most people reading this article would agree that coupons usually only come in two different ways. You either clip them from print sources (catalogues/newspapers/ mailbox/grocery dockets) or from online deal forums. You should keep adding coupons from these sources to your personal coupon binder. For online sites, you should also subscribe to newsletters to stay up to date.

As a consumer, using a coupon in-store is when things get a bit uncomfortable. There should not be any hesitation in redeeming coupons. Before you set foot into the store, you should make sure that you have your shopping list and all of the coupons you are planning to use. You should also bring your Fly Buys or Everyday Rewards card for any additional savings.

Finding the best coupons for specific products is fairly simple, however, getting higher discounts can be a little challenging. For an example, If you were planning to buy a new coffee machine from DealsDirect, you may be able to find a generic coupon codes but not the one applicable to your purchase.

Getting a mobile phone is as difficult as you might think

May be my age is finally caching up with me but I think getting a new phone mobile phone is not an easy task any more.  There are hundreds of plans out there and with all the complexities of comparing included values in the plans, you want to give up and just settle for a cheaper plan. According to a very helpful ACCC page on mobile phones, allowances for a plan can be misleading because they can’t be compared against each other. There are many factors that need to be accounted for such as ‘call rates’ and ‘flag fall’ rates. You also need to see which operating system you are going to prefer (such a s Android or iOs).

For me, I had to have an iPhone because my grandson’s school has an app on iPhone and it’s so much easier to find all the newsletters and school communication on iPhone app rather having to keep track of all those musicals and sports days.

Next I wanted to find a plan which was not on a contract. I hate contracts like every other Australian senior and hence I started my search for a contract free phone plan. For the phone itself, I found a good deal at eBay for a brand new but an older version of iPhone as I don’t mind using an older version as long as it’s not one of those really heavy phone.

From searching on Internet, I zeroed in on 2 companies. Vaya Mobile and Amaysim, both offering contract free phones.  Since I spend a lot of time away from home, I was particularly interested in 4G and eventually settled for $18 plan which made all the sense for my needs. I have already received my SIM but yet to receive the phone from eBay and only then I will be able to know about the call quality but I am hoping that it would be atleast as good as my Vodafone plan.

Here are some resources which can be useful:

  • http://www.accc.gov.au/consumers/internet-phone/included-value-in-mobile-plans
  • https://www.moneysmart.gov.au/life-events-and-you/life-events/buying-a-mobile
  • http://www.humanservices.gov.au/customer/services/express-plus-mobile-apps