Overview
Save money Australia in 2025 by using smarter strategies to reduce debt and cut costs. Whether you’re budgeting for groceries, installing solar, or buying your first EV, this guide shares verified money-saving tips and government program.
1. Track & Understand Spending
Track all expenses over a month using budgeting apps or spreadsheets. Categorise into essentials (e.g., rent, food), non-essentials (e.g., streaming, eating out), and debt repayments. Identifying money leaks is the first step toward saving more in Australia.
2. Smart Budgeting & Bill Management
- Apply the 50/30/20 rule: 50 % for needs, 30 % for wants, 20 % for savings or debt repayment
- Automate daily or weekly savings transfers
- Compare and switch utility, internet, and insurance providers annually for best rates
3. Energy Relief & Efficiency
Save Money with the 2025 Energy Bill Relief Fund
From July to December 2025, Australian households and small businesses will automatically receive up to A$150 in electricity bill rebates, in two A$75 instalments.
Read how the Energy Bill Relief Fund works
Cheaper Home Batteries Program (Launched 1 July 2025)
Homeowners can save up to 30% on new battery installations through this federal program. Rebates apply to batteries sized between 5–50 kWh and stack with other state programs.
Full guide to Australia’s new battery rebate
These energy relief programs are a practical way to save money Australia households are taking advantage of in 2025.
Quick Energy-Saving Wins
- Use LED lighting and switch off standby appliances
- Reduce shower times and insulate ceilings
- Consider solar hot water to lower long-term electricity usage
4. Grocery & Meal‑Planning Savings to Save Money Australia Wide
- Sign up for supermarket loyalty programs like Woolworths Everyday Extra to access monthly 10% discounts
- Shop at ALDI or Costco and plan meals around half-price specials
- Batch cook and freeze meals to reduce food waste and impulse spending
Tips to slash grocery bills in Australia
5. Transport & EV Incentives
- Use public transport, bikes, or carpool to avoid rising petrol costs
- Explore government EV rebates:
- Queensland: up to A$6,000
- Victoria: A$3,000 + stamp duty exemptions
- Salary sacrificing an EV may qualify for FBT exemption, saving thousands
Compare state EV incentives in Australia
6. Boost Income, Super & Investments
- Eliminate high-interest credit cards and store debt
- Consolidate superannuation accounts and reduce fees
- Make voluntary contributions to super or ETFs using tax refunds or bonuses
MoneySmart’s super calculator
7. Stay Updated on Government Programs
- Use MoneySmart to access budget templates and saving challenges
- Follow energy.gov.au for rebates and power bill support
- The 2025–26 Federal Budget includes added cost-of-living relief and rebates for homeowners
8. Summary & FAQ
Q: What are the best ways to save money in Australia in 2025?
Budgeting, switching providers, using government rebates, and buying in bulk are all top strategies.
Q: What’s the easiest way to cut my electricity bill?
Combine energy-efficient habits with the Energy Bill Relief Fund and consider solar or battery upgrades.
Q: How do I get the home battery rebate?
Buy and install a battery between April and December 2025, with commissioning after July 1.
Check eligibility and battery sizes
Q: Can I get paid to buy an EV?
Yes! Most states offer cash rebates and tax benefits for electric vehicles.
Q: What’s the best budgeting tool for Australians?
Use MoneySmart’s budget planner or apps like Frollo or Pocketbook.
Final Thoughts
These smart ideas will help you save money Australia residents can rely on in 2025.
Save money in Australia in 2025 isn’t just about cutting costs—it’s about using what’s available. With national energy rebates, EV subsidies, and better budgeting tools than ever before, Australians can build lasting financial security. Start small. Stay consistent. Review often.
