The cost of getting your kids ready for the school year seems to increase every year. Books, uniforms and even young sporting or musical aspirations can have a huge impact on the family budget. Computers have become the big-ticket item that has added to traditional education needs and "bring your own technology" is the new buzz words for saying "you’ll need to pay for these required technologies from your own pocket".
These extra costs at the start of the year combined with the recent flurry of Christmas credit card spending can see many families disappearing further down the financial black hole of debt. The Affordable SA Helpline has as you would expect been flooded with calls from families in need of assistance, many regarding managing these extra educational costs.
Highly recommended by our Financial Counsellors is the Saver Plus Program made possible by ANZ Bank and local community organisations (supported by the Australian Government). Saver Plus is a matched savings and financial education program and provides an opportunity to have every dollar saved (up to $500) matched with an additional dollar for your own family’s education-related expenses.
You may be eligible to join Saver Plus if you or your partner:
The program will set a 10-month savings goal with help from your Saver Plus Worker after you open an ANZ Progress Saver account.
The program also includes 10 hours of fun, informal financial education workshops.
If you successfully complete the program, ANZ matches your savings dollar-for-dollar, up to $500. This money can be used for education costs (either your children's or your own) such as computers, uniforms, books and sports equipment.
Over 32 000 people have previously participated in the program which is available in 60 locations around Australia. The Smith Family manages the program in South Australia with several face-to-face “Saver Plus” workers in locations around Adelaide to assist you in every aspect of the program. These locations are:
- Adelaide Northern region.
- Port Adelaide, Enfield and Charles Sturt.
- Salisbury and Playford.
- South Adelaide
To access the program please phone 1300 610 355 or SMS your name and postcode to 1300 610 355 or e-mail saverplus@bsl.org.au
You can find more information about this program and other cost of living services that can assist you on the Affordable SA suite of services via the Affordable SA app, website and Helpline. Or mingle with us at http://www.facebook.com/affordableSAapp/
Please remember. If you are struggling with debt a Financial Counsellor can help you take control.
Financial counselling is free, confidential and independent. These services are provided by not-for-profit, community-based services and available to people in Australia experiencing financial difficulty. See the Affordable SA App "Financial Counselling" for more details or phone the Affordable SA Helpline on 1800 025 539.
Important Update
As of January 1st, 2025 the Affordable SA app will no longer be available. If you're looking for assistance or to connect with programs and services near you, please refer to our website: affordablesa.com.au, to access the assistance you need.
Affordable SA will still be available as a FREE service via website, where you can find all the services you need, in the palm of your hand.
50 Ways to Save This Christmas
The holiday season is a time of joy and togetherness, but it can also come with financial stress. From expensive gifts to lavish dinners and decorations, the costs can quickly add up. However, with thoughtful planning, creativity, and a focus on meaningful moments rather than extravagant spending, you can enjoy a magical Christmas without breaking the bank. This guide will show you how to save on gifts, food, decorations, and more, while still making the season special. Whether you’re looking to cut costs on presents, host an affordable dinner, or find ways to decorate your home on a budget, these tips will help you make the most of the holidays without overspending.
Here's some tips to start:
Borrow or Swap Items
Need something special for your Christmas celebration? Borrow from friends or family instead of buying new. Whether it’s a serving dish or decorations, sharing saves money and resources.
Embrace Free Fun
Focus on free or low-cost traditions like watching Christmas movies, driving around to see holiday lights, or hosting a board game night. Sometimes the best moments are the simplest ones.
Remember, saving money this Christmas doesn’t mean sacrificing joy or festive spirit. By planning ahead, getting creative, and prioritising what truly matters, you can celebrate the season without financial stress. Whether it’s through thoughtful gifting, resourceful decorations, or embracing community events, these tips will help you enjoy a budget-friendly holiday that’s rich in meaning.
You can sort Christmas savings tips by category below.
Understanding Electricity Costs and Renewable Energy in 2025
The way Australians generate and use electricity is evolving rapidly, with a significant shift toward renewable energy sources. South Australia, once known for power shortages, became the first major jurisdiction to be powered entirely by solar energy—a remarkable milestone. As renewable energy technology becomes more widespread, you may wonder: 'will electricity become cheaper, and what steps can I take to reduce their bills today?'
The answer is promising: electricity costs are expected to decrease over time, but you can start saving now with smarter energy habits, better provider choices, and a deeper understanding of your rights as a consumer.
Your Rights as an Energy Consumer
As an energy customer in Australia, you’re protected by laws that govern your dealings with energy retailers and distributors. These rights ensure transparency, fair pricing, and access to essential energy services. Familiarising yourself with these regulations helps you make informed decisions when choosing providers and addressing billing concerns.
Choosing the Right Energy Provider
1. Use Energy Made Easy
The Energy Made Easy website is a free government service that allows households and small businesses to compare electricity and gas plans. Simply input your details to view a range of offers that suit your energy usage and location. You can also contact them directly at 1300 585 165 for assistance.
2. Key Factors to Consider
When evaluating energy plans, don’t focus solely on price. Keep these factors in mind:
- Contract Length: Are you locked into a long-term agreement, or can you switch plans easily?
- Fees and Discounts: Look out for hidden fees or discounts that may expire after a set period.
- Special Deals: Some plans offer incentives like sign-up bonuses or rebates, but read the fine print to understand long-term costs.
3. Time-of-Use Tariffs
Did you know the time you use energy can affect how much you pay? Time-of-use tariffs mean energy costs vary depending on peak and off-peak periods. Adjusting your habits, like running appliances during off-peak times, can lead to substantial savings. In South Australia, off peak times for residential is 10am - 3pm.
4. Specific Plan Types
Certain plans may cater to your unique situation:
- Smart Meter Plans: These allow for detailed tracking of your energy use.
- GreenPower Plans: For those committed to renewable energy, these plans offset your consumption with sustainable energy sources.
- Solar Energy Plans: If you have solar panels, look for plans with competitive feed-in tariffs.
- Regional Plans: Some plans are better suited for urban or rural areas, depending on infrastructure.
Reducing Energy Usage to Lower Bills
One of the simplest ways to save money on electricity is to use less of it. Conducting a home energy audit can help identify energy inefficiencies and opportunities to save. You can conduct this audit yourself by borrowing a free Home Energy Audit Toolkit from your local library.
Living Areas
- In Summer: Close windows, doors, curtains, and blinds during the day to keep the heat out. Use fans instead of air conditioners when possible, and if using air conditioning, set it to 26°C.
- In Winter: Seal draughts by closing windows and curtains. Set central heating to 18°C.
- Lighting: Switch to energy-efficient LED lights and turn them off when not in use.
- Standby Power: Switch off appliances at the wall to eliminate standby power usage.
Kitchen
- Ensure adequate space around your fridge for ventilation and check that its seals close firmly.
- Cover pots and pans when cooking to retain heat and reduce energy use.
- Only run the dishwasher when it’s full.
Bathroom and Laundry
- Wash clothes in cold water whenever possible. If using hot water, set it to 60°C.
- Dry clothes on a line instead of using a dryer.
- Install low-flow showerheads to reduce hot water usage and aim for showers no longer than four minutes.
Accessing Financial Help for Energy Bills
If you’re struggling to pay your energy bills, financial assistance may be available. Options include:
- Temporary or ongoing bill relief through government programs.
- Guidance from us at Affordable SA, call us today on 1800 025 539.
Additionally, explore our Utilities Programs listed on Affordable SA, which provide tailored solutions for reducing energy costs and managing bill payments.
The Future of Renewable Energy and Costs
As renewable energy becomes the backbone of Australia’s power grid, the overall cost of electricity is projected to decline. Solar power, wind energy, and advancements in battery storage are paving the way for a greener, more affordable future. Programs such as GreenPower and feed-in tariffs for solar customers offer opportunities to actively participate in this transition while saving money.
However, the key to maximising these savings lies in understanding your energy consumption and making adjustments today. By selecting the right provider, using energy-efficient appliances, and tapping into available support programs, you can enjoy both immediate savings and long-term benefits as Australia transitions to a renewable energy future.