October 5 2022

Saving now for a super future

When the cost of living is on the rise, it’s important to make the most of your money wherever you can. Saving now could even help you contribute to your super, which in turn could make a difference to your retirement future.
Hands stretching green slime

Consider these ways to save

Little savings here and there can add up over time. Whether you’re trying to cut costs, or maybe want a little extra to contribute to your super, here are five ways to save that you might not be aware of.

1. Shop the sales

Keep an eye out for specials and discounted items. You’re likely to find the best bargains with fresh fruit and vegetables, meat and bakery items – why not buy in bulk and freeze any extras for later? Many stores also release weekly or fortnightly catalogues, which you might want to use to build a cheaper grocery list.

2. Use a reusable coffee cup for that takeaway latte 

Check if your local café offers a discount for reusable cups. Many have started to again after a pause for Covid-19. It’s a win for your wallet and the environment



Small changes like this can make a big impact over the long term on your future savings. Try our small change, big savings calculator to see for yourself.

3. Make the most of benefits and reward programs

Your bank, insurance provider or super fund may offer rewards or benefits for being a customer or member. Have a look at their website or app to see if you could save on your next shopping trip or restaurant meal.



If you’re a Rest member, you can take advantage of discounts from JB Hi-Fi, The Good Guys and more. See all member rewards.

4. Find the best fuel price

The next time you need to fill your tank, check for the cheapest petrol in your area with one of the many fuel price apps available today. You can use most of them for free and most states are covered.

5. Check your super fund has your correct details

Have you given your super fund your tax file number (TFN)? If not, your super contributions are taxed at a much higher rate than they need to be. You’re also missing out on these benefits:

  • Your super fund can’t accept any personal after-tax contributions
  • If you’re eligible for the government co-contribution you may not get it
  • Any benefit payments made may be taxed at a higher rate


If you’re a Rest member, you can check and update your details in the Rest App under ‘Account’. Otherwise log in to MemberAccess here and go to ‘Personal Details’.

Want to learn more?