Yeej muaj tej paj huam hais tias tej nyiaj yus txuag tau ces yog tej nyiaj yus khwv tau.
Thiab tej kws paub txog neeg ntiag tug cov kev siv nyiaj txiaj hais tias ib lub tswv yim zoo pab tej neeg txuag nyiaj rau lub caij uas tseem muaj ntau yam nuj nqes ntawm teb chaws Australia ces yuav tsum nrhiav ntau lub tuam txhab kom thiaj tau tus nqe pheej yig tej nqe ntau yam.
Vim li cas thiaj tau txais txiaj ntsim rau yus yog yus txheeb ntau lub tuam txhab
Canstar Blue uas yog ib lub tuam txhab piv ntau yam nqe khoom thiab tej services coj los txheeb txog neeg Australia tej cwj pwm kom thiaj txheeb tau tias seb ho muaj kev txuag nyiaj li cas, muaj teeb meem siv nyiaj txiaj li cas, thiab tej nuj nqes ntau yam.
Christine Seib uas yog Canstar Blue tus coj uas kho thiab txheeb nws tej xov xwm tau hais tias "Zoo li peb cov kev teeb txheeb yeej txheeb tau tias tej neeg yuav khoom siv feem coob uas tau hloov mus siv dua ib cov tuam txhab tshiab yeej qhia tias yog ib co kev txiav txim siab zoo dua, thiab peb tej xov xwm yeej qhia tas los rov qab qhia dua tias txawm yus them tus nqe theem nrab rau ib cov kev siv twg los yog ib tsab policy twg, los tej zaum yeej yuav muaj peev xwm txuab tau nyiaj ntau puas mus txog ntau txheeb dollars yog yus yuav ib co plan los yog yuav ib tsab cai uas pheej yig tshaj plaws siv.
Seib tau hais tias tej tuam txhab muag tej plan los yog policy yeej muaj tej paj tshab li thim nyiaj ntsuab me ntsis, pub tawv yuav khom plig los yog muab cov loyalty points rau tej customers uas yuav lawv tej services siv.
Tab sis nws kuj xav kom tej neeg yuav khoom siv yuav tau txheeb seb ''puas muaj lus zoj khi'' li yuav tau them hauv online, yuav tau tso nyiaj npaum li cas ib hlis twg ntxiv rau tej nqe pheej yig zog thiab yog tias yus ho tsis muaj peev xwm them raws sij hawm los yog ua tau raws tej lus zoj khi.''
Koj muaj peev xwm txuag tau tej nqe siv hluav taws xob thiab gas li cas?
Yog koj xav txuag kom tsis txhob tau them nqe kim ces yeej muaj peev xwm los siv ib co twj los sib piv tias cov tuam txhab twg muag tej nqe pheej yig dua.
Energy Made Easy ces yog ib co twj online uas lub koom haum Australian Energey Refulator tsim coj los piv tej nqe hluav taws xob thiab gas ntawm xeev New South Wales (NSW), Queensland (Qld), South Australia (SA), Tasmania (TAS) thiab Australian Capital Territory (ACT).
Hos tej neeg ntawm Victoria (VIC) ces muaj peev xwm siv tau cov twj Victorian Energy Compare, uas tsoom fwv xeev yog tus tswv thiab tswj tej twj no.
Tej neeg ntawm xeev Western Australia (WA) ces muaj peev xwm siv tau lub vas sab Household Electricity Pricing uas tsoom fwv xeev tswj.
Tsis tas li ntawd los yus kuj muaj peev xwm hloov mus siv tej plan uas pheej yig dua uas muaj tej services ntawm tej chaw yus nyob ntawd.
Ces thiaj tsuas nyob rau ntawm qhov chaw koj nyob yuav ua cov txiav txim tias koj txuag tau nyiaj ntawm tej nqe siv hluav taws xob thiab gas li cas xwb.
The amount you can save will depend on not just the retailer, but also the distribution area in which you live. The cost of providing electricity and gas varies by geography, so prices vary across distribution zones.
Canstar daim phiaj qhia tias tej xeev twg thiab tej tuam txhab twg muag cov nqe hluav taws xob pheej yig tshaj plaws.
Daim phiaj piv tej nqe hluav taws xob theem nrab thiab tsawg tshaj plaws ntawm NSW, VIC, QLD thiab qhia tias yuav muaj peev xwm txuag tau npaum li cas.
Tej neeg ntawm ACT ces tej zaum yuav muaj peev xwm txuag tau nqe hluav taws xob txog li $490 yog them raws tus nqe nrab thiab yog hloov mus siv cov plan uas them pheej yig tshaj plaws ces yuav txuag tau nyiaj siv gas $297 ntxiv thiab.
Hos tej chaw uas uas tsis teev txog ntawm no ces kom mus txheeb rau hauv ib lub vas sab sib piv tej nqe no seb puas tau tus nqe gas thiab hluav taws xob pheej yig zog.
Tos tsis muaj peev xwm yuav qhia tag nrho txhua yam nqe coj los siv piv los vim tag nrho tej xeev nyias yeej tau teeb nyias tej nqe los yog tsuas muaj ib lub tuam txhab ua tus xa tej no rau tej neeg siv xwb, ces thiaj ua rau tej neeg muaj ib txoj xub ke siv gas los yog hluav taws xob xwb.
Tej neeg ntawm WA ces yeej peev xwm siv tau lwm lub tuam txhab muag gas tas sis tsis muaj lwm txoj xub ke xaiv rau cov kev siv hluav taws xob. Tasmania ces tej neeg muaj peev xwm xaiv siv tau ntau lub tuam txhab muag hluav taws xob tab sis tsuas siv tib lub tuam txhab muag gas xwb. Tej neeg ntawm NT ces tsuas muaj tib lub tuam txhab muag gas thiab hluav taws xob rau tej neeg siv xwb.
Yuav muaj peev xwm txuag tau nyiaj tuav pov hwm (insurance) li cas?
Tej neeg uas yuav tej nyiaj tuav pov hwm kho mob, tsev thiab tej cuab yeej cuab tam los yog pov hwm tsheb ces yeej yob ib cov nqe uas yuav tau them ntau.
Yog thaum uas hloov dua ib co tuam txhab muag insurance lawm ces tej kws hais tias qhov chaw pib zoo tshaj plaws ces hu xov tooj mus nug tej nqe muag ntawm ntau lub tuam txhab thiab coj tej nqe no los sib piv. Tsis tas li ntawd los yus kuj muaj peev xwm hu rau yus lub tuam txhab tam sim no thiab hais kom tau tus nqe pheej yig dua rau yus, los sis yog txheeb lwm lub tuam txhab kom tej tej nqe pheej yig dua, tau txais ntau yam txiaj ntsim, los yog tau tej paj tshab lwm yam yog yus yuav tej services nrog lawv.
Tab sis yog tham txog tej kev yuav nyiaj tuav pov hwm (Insurance) lawm ces yeej sib chab sib chaws dua yog piv rau cov kev piv tej nqe energy (electricity thiab gas), vim insurance ces yeej tsis pov puag ntau yam thiab yeej tau them tej nqe sib txawv ua ntej mam claim tau. Tej kws thiaj hais tias yog ib qho tseem ceeb uas tej neeg yuav tej no siv yuav tau txheeb thiab yuav tau piv tej services no ntawm tej ntawv Products Disclosure Statement (PDS), los yog hu kiag xov tooj ncaj nqa mus nrog tej tuam txhab muag insurance tham thiab nug ntau yam lus nug kiag.
Canstar kuj tau txheeb tau tias tej neeg uas tsuas them tej nqe silver private health insurance pov puag lawv tsev neeg, lawv tej tsev thiab tej cuab yeej cuab tam, thiab comprehensiv car insurance kuj yuav muaj peev xwm txuag tau nyiaj txog li $2,000 yog tias lawv tig mus siv tej insurance uas pheej yig tshaj plaws.
Thiab raws li lub koom haum Canstar hais ces yog muab tej nyiaj txuag tau los ntawm cov kev yuav tau tej insurances pheej yig ntxiv rau tej nqe siv hluav taws xob/gas theem nrab ces tej zaum kuj yuav pab txuag tau nyiaj txog li $2,000 ib xyoos twg.
Ua li cas kom thiaj tau kab theem paj ntau ntxiv rau tej nyiaj yus khaws cia ntawm tej txhab nyiaj?
Canstar found that some customers who hold savings accounts with an average interest rate of 2.49 per cent could gain another $170 a year if they switched to a savings account with higher interest.
This could be achieved in a savings account where a customer is not required to meet certain conditions to have extra interest paid. But Canstar found even more interest could be paid on some accounts that do require this.
These are called bonus savers, and typically require customers to meet certain conditions such as a minimum monthly deposit in order for a higher rate of interest to be paid. If they are not met, a smaller base rate of interest is paid.
Customers can also receive introductory rates, which are the rates of interest you earn for the first few months of opening the account with a bank.
"To get the best out of your money with a savings account, savers have to shop around," Canstar finance expert Steve Mickenbecker said.
What's stopping people from shopping around?
Seib said people are often hesitant to shop around.
"There are two main perceptions that stop many consumers comparing financial services or utilities products as a way of managing costs: that 'they’re all the same price' and that comparing is difficult," she said
"It’s fair to say that comparing insurance does take some phoning around because individual insurers may consider your individual risk factors differently. Energy is usually easier because all companies provide what's called a reference price that lets you compare like for like."
"But broadly speaking, putting aside time to compare and switch if you find a better product does offer the potential to save and, in some sectors, isn’t hugely complex because there are many free comparison sites that will do much of the work for you."
Seib said even if you don’t immediately find a cheaper plan or policy or a higher interest rate, there are two benefits to comparing regularly.
"It keeps you engaged with parts of your finances that might be otherwise easy to set and forget. Once you’re focused on them, you might come up with other ways to save or earn."
"Plus, it acts as a reminder to contact your current provider to ask what additional value they can offer on your existing plan, policy or account."
"As a rule of thumb, if you can’t remember the last time you compared prices or rates on a policy or plan, it may be a good idea to do so."
"Treating it like an annual stocktake that you do at the same time every year could be a good way to get into the comparing habit. Or you could use every price increase or rate decrease on a product as a prompt to compare in that sector."
The information in this article is general in nature and is not intended as financial advice; you should consult with a licensed professional to make the decisions that are right for you.
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