Here are the products and services that I highly recommend for you to try.

Please note that I either personally use or have used everything I list here. I will never recommend something otherwise.

FinanCIAL SERVICES

Wise (formerly known as Transferwise) is a money transfer service that allows you to send and receive money from overseas. I and my family has been regularly using this for remittances to the Philippines and USA.

As a frugal person, I am always on the lookout for the best exchange rates in the market and the cheapest fees. Wise wins every time! They use real-time exchange rates and even offer a rate guarantee which means you can lock-in the best rates once you spot them.

It also has an awesome multi-currency account with a debit card, usable in almost any part of the world. Sign-up here to get a cheap or even free, first transaction.

I first discovered 86 400, one of the neobanks / smartbank in Australia early this year. It is a purely digital bank that has been recently rebranded and merged with Ubank after it was acquired by NAB.

They have ZERO monthly fees, foreign transaction fees and foreign ATM withdrawal fees. There are also great interest rates on their Savings account (Save). All you got to do is to deposit $200 per month, which can easily be your salary.

However, the best thing about this bank is that it lets you connect and view your other Australian bank accounts. I don’t know about you, but I certainly have different accounts here and there – home loans, savings and credit cards. This feature helps me determine my current financial standing without needing to do the maths manually or using a spreadsheet. Amazing!

Do you want to give it a try? Use the promo code F9SQJAS to receive $20 after you make 3 card purchases.

Fun Fact: You may think that 86 400 has got a weird name. It simply is the number of seconds we have in a day!

Pearler is an investment platform that gives investors exposure to both Australian and US markets. It is safe and secured and is CHESS-Sponsored. Pearler is fairly new to the game but it aims to help simplify investing (long-term and boring investing).

It also has an auto-invest feature which that helps investors to set and forget their investments while it continues to grow.

The website is simple and user-friendly, hence, it is a great one to use if you are just starting out or just want to see what it is like.

I’ve got a $9.50 investment credit for you when you join using this link.

ONLINE SHOPPING

Do shop online regularly? You will love these!

Cashrewards is a platform that rewards you for shopping online. What that means is every time you buy items from their affiliated stores, via their website, you will get a certain percentage of your money back.

They often run special promotions wherein they dramatically increase the amount you can claim back. I have seen up to 100%, no kidding!

All you have to do is to find the store you want in your Cashrewards account. Click the link that will lead you to the online store and then shop as usual. You have to be mindful though of any external promo codes you use as you may not qualify for a cashback.

They also allow you to earn cash back when shopping in some brick and mortar stores. You can do this by linking a credit or debit card on your account and like online, shop as you normally would. It is that easy!

Start saving money today by signing up. Plus, you’ll get $10 for doing so.

Shopback works exactly the same as Cashrewards. Yes, they are competitors. However, I recommend them both because sometimes Shopback has better claim bonuses than Cashrewards for specific stores. You’ll get ahead of your game if you try both.

Right now, you’ll receive $20 when you join Shopback here. Note that this amount usually changes, they occasionally increase this.

PHONE SERVICES

In one of my posts, I talked about ways to save on your phone bill. I mentioned there that MVNOs are a great option to cut some of your costs.

Over the years, I have tried various MVNOs and one that I could recommend is Belong. I like their service because they use the Telstra network. This means they cover a great area Australiawide, compared to MVNOs which operate under the other 2 major networks in Australia.

If you wanna give it a go, put IFRZ14E71 in the referral code to get a $20 credit!

EatiNG OUT

What is Liven? Liven, is an payment app that gives you back anywhere between 10 to 35% of your bill at participating cafes and restaurants. Somehow, it works like Cashrewards or Shopback. Only that it applies to your meals.

It is available at thousands of places in Australian major cities. Whether you live or visit Melbourne or Sydney, Liven is worth a try.

You first need to download the app from Google Play Store or Apple App Store and create a profile. You will then need to connect a payment method. Once your account is set, you can search the different restaurants they are affiliated with. When you are ready to pay, just click “Pay Now” and tell the person at the counter that you are paying by Liven so they can process your payment. This video shows you how it works.

Don’t forget to let them know that I told you about Liven by using my Referral Code UXKN9Y. You will get $10 off your first meal if you use this.

Liven has literally saved me a lot of money and let me enjoy my food more! Another great thing is that the rewards never expire and can be used to pay for your meals next time.

Foodollars are another method for you to save money. They are credits to use at a discounted price. For example, you can get a $100 Foodollar voucher at Din Tai Fung for $80.

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Full Disclosure: I am not receiving sponsorships from any of these companies. However, I may earn some credits or a small commission when you sign-up using my links. This is at no extra cost to you.