Don’t miss: top offers that will save you $$ in 2023

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Get ahead in 2023 by taking advantage of these top offers before they expire

Now that the holidays are behind us, there has never been a more important time to get your finances on track. Luckily, January has plenty of offers and deals to help you ditch those rip-off costs in 2022 and be in better shape for 2023.

Here are just a few deals you can take advantage of right now in the most important areas of your life, but there are more available on our site.

Be quick, they won’t be around for long.

Refinance your home loan

Refinancing your home loan can put you at a lower interest rate, thereby reducing your monthly repayments. But it can also save you money in other ways, e.g. B. by reducing ongoing fees or if you take advantage of cashback offers.

Refinance cashback offer

HSBC is offering $3,288 in cashback to eligible refinancers who switch to one of their home loans. You must apply by February 28, 2023 to qualify and different terms and conditions apply.

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Refinance cashback offer

IMB has $2,000 in cashback for eligible refinancers who switch to one of its home loans. You must apply by March 31, 2023 to qualify. Other terms and conditions apply.

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You can find more refinancing options in our home loan refinancing guide.

Manage your credit card debt

If you’re trying to manage your credit card debt after Christmas, you could benefit from consolidating your debt and/or transferring it to another credit card. And if you’re thinking about back-to-school spending, a 0% purchase rate offer could also help you save on interest.

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0% interest offer

Sign up for a no annual fee Mastercard from Coles by January 31, 2023 and you’ll pay 0% interest on purchases for the first 15 months and earn Flybuys points as you spend! It also offers 0% interest on balance transfers for 6 months.

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Check out more competitive bank transfer credit card offers.

Earn more points

If you’re more concerned with maximizing your points, there are some limited-time credit card offers that make it relatively easy to earn more points.

Bonus points offer

The Qantas American Express Ultimate credit card allows you to earn up to 100,000 Qantas Bonus points when you apply by January 31, 2023 and spend $3,000 on eligible purchases in the first 3 months. You must also be a new Amex customer and apply online through select partners such as Finder.

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Cashback offer

With the Citi Premier Card cashback offer, you can earn reward points and receive $600 cashback if you apply by January 31, 2023 and make eligible purchases with Apple Pay, Google Pay or Samsung Pay in the first 90 days make $2,000.

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Compare more credit cards with reward points or frequent flyer points.

Take a look at your car insurance

Car insurance is often something people only think about once a year. But use this time to really consider whether you have the best deal. There are some great deals coming up in January, like the following.

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Offer car insurance

If you purchase Collision Damage Waiver with Kogan before February 2, 2023, you will receive a $125 rebate on your first year premiums and $10 monthly credit towards purchases on the Kogan website.

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Compare broader car insurance policies to find an option that’s right for you.

Reconsider your energy supplier

If you’re looking for a new energy provider, you might want to take advantage of some of the bundle deals currently on offer. Alternatively, you may be able to receive credit when you sign up.

Energy Login Credit

CovaU offers up to $100 credit when you sign up online: that’s $50 electricity credit and $50 gas credit applied to your first bill. Offer valid for residents of NSW, Victoria, South Australia, Queensland, ACT and Tasmania.

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Not what you need? Check out our complete guide to getting a cheaper energy deal.

Compare your broadband options

It’s often one of those things that you set and forget that you’re paying a lot more for your internet than you have to. Now it’s time to take a look at some of the offers.

Discount broadband offer

Sign up for Dodo’s broadband plan and you can get your first 6 months of internet for as little as $53.95. This only applies to new customers. You can save even more if you also bundle your power plan with Dodo.

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Compare more broadband plans and get a better deal.

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Get a cheaper phone plan

When was the last time you checked your phone bill? Some providers offer very cheap tariffs for the first few months. The savings add up pretty quickly.

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Find more tips to get a cheaper calling plan today.

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