No matter how much we earn, we always feel that we never have enough money. As the old saying goes, the more we earn the more we spend.

Dave Caffarelli from PEB Finance has worked with many families to help them improve their spending habits; here are his four most popular tips to get them ahead.

1. Take a packed lunch

A working couple and their two kids can spend anywhere up to $12,000 a year on buying lunches. Taking something from home would equate closer to $4,000 a year, that’s a saving of up to $8,000, WOW!

2. Pay all bills on time

For every late bill there is usually a late payment fee. These fees quickly add up and can end up costing hundreds over the course of a year.

3. Pay your credit card in full

Paying the minimum payment on your credit card not only increases your debt, it also increases the amount you pay in interest. If your credit card debt is out of control, then Dave recommends visiting a finance broker to re-finance your loans to get them back into order.

4. Shop Around

Taking out an insurance premium should be just like buying a new home theatre system. Shop around, compare apples with apples and get the best deal on the best product.

A few ways of saving on a premium is:

  • To opt for a higher excess
  • Pay the premium in a full lump payment
  • Exclude optional extras such as car hire and windscreen replacement

If you haven’t reviewed your home loan for a few years, give our blog a read “Is it time to spring clean your home loan?”.

Dave is a guru at refinancing loans and saving money, consults are free and he can come to you

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PEB Property Group is a complete financial planning advisory service for Perth families. Offices are located in Inglewood and Willetton, Perth, Western Australia and offer - Financial Planning · Finance Broking · Property Management · Real Estate Sales · Property Investment · Development.


PEB Finance is a trading name of PEB Brokers Pty Ltd ACN 604 784 401 | Australian Credit Licence 389510 | Credit Representative Number 476313.


PEB Real Estate is a trading name of PEB Real Estate Pty Ltd (Licensee) ABN 33 604 199 617 | Triennial Number RA70508.


PEB Financial Planning is a trading name of PEB Group WA Pty Ltd ACN 142 958 254. Rebecca Howarth and Howarth (WA) Pty Ltd trade as PEB Financial Planning. Rebecca Howarth (ARN 244928) and Howarth (WA) Pty Ltd (ARN 433328) are Authorised Representatives of NEO Financial Solutions Pty Ltd. AFSL 385845 | ABN 64 141 607 098.