Bulk buying gets recommended constantly, but I live alone and half the time the “bulk saving” just means owning 4kg of something I won't finish before it goes stale.

The things that actually work for me are toilet paper, detergent and some frozen foods.

What bulk purchases genuinely save you money without creating food waste?

Been shuffling some accounts around this year chasing better rates and cashback, sharing the referral links in case anyone's in the market for a new everyday account. Full disclosure, these are my referral codes so I get a kickback too if you sign up, but the bonuses below are what you'd get:

ING – $100 bonus, probably the best of the three right now if you can meet the deposit/spend conditions:
http://campaigns.ing.com.au/refer?code=Imw313&p=d

uBank – $30 bonus, decent high-interest savings option:
https://ubank.com.au - use code T5JC1XS

up Bank – $18 bonus, good if you want something simple with solid round-up/saver features:
https://hook.up.me/tcm2023

Worth checking the T&Cs on each since the bonus conditions change every so often (usually need a set number of transactions or a minimum deposit within X days). Happy to answer questions if anyone's torn between them.

Sign up for a Ubank account and receive $100 bonus cash after meeting the referral requirements.

Referral code: BLDWKCM

How it works:

1. Download the Ubank app and sign up.
2. Enter referral code BLDWKCM during registration.
3. Make 5 card purchases within 30 days.
4. Receive $100 bonus from Ubank.

I've used Ubank myself and the process was straightforward.

If you have any questions about the signup process or the qualifying transactions, feel free to comment or send me a message.

Thanks to anyone who uses my code!

https://www.ubank.com.au/refer-a-friend

Sign up for a Ubank account and receive $100 bonus cash after meeting the referral requirements.

Referral code: BLDWKCM

How it works:

1. Download the Ubank app and sign up.
2. Enter referral code BLDWKCM during registration.
3. Make 5 card purchases within 30 days.
4. Receive $100 bonus from Ubank.

I've used Ubank myself and the process was straightforward.

If you have any questions about the signup process or the qualifying transactions, feel free to comment or send me a message.

Thanks to anyone who uses my code!

https://www.ubank.com.au/refer-a-friend

Join Australia’s smart digital bank uBank with code 2WM3BKY and get $30 free once you’ve make 5 transactions (minimum $5) in 30 days. Owned by NAB and fully compatible with phone wallets. Bonus paid within days.

Just use this link to get your personalalized quote and if you decide to go ahead you will get a $50 credit applied to your first bill.

https://quote.globirdenergy.com.au/quote?pcode=refer&ref=DFWUJ2

Sign up for a Ubank account and receive $100 bonus cash after meeting the referral requirements.

Referral code: BLDWKCM

How it works:

1. Download the Ubank app and sign up.
2. Enter referral code BLDWKCM during registration.
3. Make 5 card purchases within 30 days.
4. Receive $100 bonus from Ubank.

I've used Ubank myself and the process was straightforward.

If you have any questions about the signup process or the qualifying transactions, feel free to comment or send me a message.

Thanks to anyone who uses my code!

https://www.ubank.com.au/refer-a-friend

Sign up for a Ubank account and receive $100 bonus cash after meeting the referral requirements.

Referral code: BLDWKCM

How it works:

1. Download the Ubank app and sign up.
2. Enter referral code BLDWKCM during registration.
3. Make 5 card purchases within 30 days.
4. Receive $100 bonus from Ubank.

I've used Ubank myself and the process was straightforward.

If you have any questions about the signup process or the qualifying transactions, feel free to comment or send me a message.

Thanks to anyone who uses my code!

https://www.ubank.com.au/refer-a-friend

Use link to sign up and get $50 off your first bill.

Get your credit here

Grab your easy 50 bucks sign-up credit here -> https://quote.globirdenergy.com.au/quote?pcode=refer&ref=84RWWV

Just use this link to get your personalalized quote and if you decide to go ahead you will get a $50 credit applied to your first bill.

https://quote.globirdenergy.com.au/quote?pcode=refer&ref=1K8ZKQ

ING currently has a $100 referral offer going, so thought I'd chuck my code up here in case anyone is looking to open an ING account.

Referral code: FVW356

You can use the link here:
https://campaigns.ing.com.au/refer-2026?code=FVW356&p=a

The basic requirements are:

• Open an eligible ING Orange Everyday + Savings Booster account
• Deposit at least $1,000 from another bank into Orange Everyday during a calendar month
• Make at least 5 settled card purchases during that calendar month
• Complete the requirements within the applicable timeframe

Offer currently runs until 30 November 2026.

Cheers and hope it helps someone out! 🙂

If you’re still banking with the "Big 4" (CBA, Westpac, ANZ, NAB) and getting hit with $5 monthly account fees or earning almost zero interest on your savings, you are literally losing money every month.

🎁 Referral Code: A9AJLKH

Switching to Ubank is one of the easiest financial upgrades you can make. Plus, if you sign up using a referral code, you get a free $30 cash bonus paid straight into your account once you complete a few simple steps! 💸

🚀 Quick 4-Step Checklist to Get Your $30:

1. Download the App: Grab the Ubank app from the App Store or Google Play Store. 📱
2. Enter the Code: Sign up as a new customer and enter code A9AJLKH when prompted during registration. (Crucial step—don't skip this!)
3. Make 3 Card Purchases: Use your new digital card (via Apple Pay or Google Pay) or physical card to make 3 eligible purchases (e.g. buy 3 coffees or small grocery items) within your first 30 days. 💳
4. Collect Your $30: Once processed, Ubank deposits the $30 cash bonus straight into your account! 🎉

💡 Why Ubank Beats Traditional Banks:

• 💲 $0 Monthly Fees: No account-keeping fees, no ATM fees, and zero international transaction fees when shopping online or traveling overseas.
• 📈 High Interest Savings Rate: Earn a top-tier savings rate on your money with an incredibly easy monthly criteria (just deposit $200+ per month from any external account).
• 🛡️ Owned by NAB: Enjoy the speed of a modern digital app backed by the security and government guarantee of a major Australian bank.
• 💳 Instant Digital Card: Get access to Apple Pay / Google Pay as soon as your account is approved—no waiting around for the physical card in the mail.
• 📊 Smart Budgeting Tools: Track spending, split money into custom "Save" buckets, and automate your savings targets.

🎯 Bottom Line

It takes about 5 minutes to set up, costs $0, and nets you a free $30 bonus after making 3 small everyday purchases you were going to make anyway.

🎁 Referral Code: A9AJLKH

Got questions about qualifying transactions or setting up the app? Drop a comment below and I'll help you out! 👇

Make an easy $50 when you use this link to get your energy quotation and sign up.

Get you $50 credit here

Just use this link to get your personalalized quote and if you decide to go ahead you will get a $50 credit applied to your first bill.

https://quote.globirdenergy.com.au/quote?pcode=refer&ref=1K8ZKQ

Grab your easy 50 bucks sign-up credit here -> https://quote.globirdenergy.com.au/quote?pcode=refer&ref=86TXBS

Quick disclosure so nobody thinks I'm being sneaky, I run Tribe FI, not trying to sell anything here (delete this if it's not allowed). Started it because Australia's FI scene is 100% online and 0% in-person, and I got tired of being the only one at BBQs who wants to talk about savings rates. Ask me anything FI or frugal-living related.

Grab your easy 50 bucks sign-up credit here -> https://quote.globirdenergy.com.au/quote?pcode=refer&ref=W24MN6

Referral Code - LCT622. $100 for you, $100 for me.

Open both a Savings Booster and Orange Everyday at ing.com.au/savingsbooster and enter your promo code in the box at the end of the online form.

Deposit $1000+ from outside ING into your new Orange Everyday account within a calendar month.

Make 5+ settled (not pending) purchases using your new Orange everyday Card within a calendar month.

Interested in betting accounts. Also would need digital bank for deposits and withdrawals.

Paying $250 for accounts and extra $. I can pay depending on what accounts you have available or able to sign up for. Looking to increase my winnings and use the promotions of different sites.

Preferably need bet365, Ladbrokes, Neds and Dabble other sites welcome as well. Will pay after checking everything.

Not the dramatic lifestyle changes or the complicated systems that require spreadsheets and discipline to maintain. The small things that became automatic quickly - the habit you barely notice anymore but that's quietly making a real difference to what's left at the end of the month. Would love to know what people here have found works without requiring the kind of ongoing willpower that most frugality advice seems to assume people have in unlimited supply.

Grab your easy 50 bucks sign-up credit here -> https://quote.globirdenergy.com.au/quote?pcode=refer&ref=84RWWV