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Households across Victoria, South East Queensland, NSW and South Australia are still confused about the government’s recent changes to how energy plans are costed, new research has shown.

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Compare the Market said approximately 806,000 households in these areas have been moved to a default energy offer, but only 8 per cent are aware of how the changes will affect their back pocket.

The federal government brought in the default market offer (DMO) in July of this year to make it easier for customers to compare energy plans between providers. 

It’s the annual maximum total bill amount that energy companies can charge for the “standing offer” prices and is based on a set average usage amount. 

While these offers have the potential to reduce energy prices anywhere from $130 to $430, Compare the Market has warned that these offers still might not be the best available to consumers.

According to Compare the Market’s general manager of banking, Rod Attrill, “you shouldn’t simply accept that the default market offer is the best deal available”.

“In fact, there are many market offers – with or without conditional discounts – that provide cheaper usage rates and supply charges than these DMOs.”

Compare the Market has provided some information on how you might be able to save more money on your energy bill without moving to a default option:

Getting the cheapest power plan

A competitive usage rate and daily fee

Ensure you look at every aspect of your plan, not just the perks and conditional discounts involved.

A competitive usage rate might still leave consumers with a hefty bill if they are charged a high daily fee, meaning customers should look at the overall package.

A plan that suits your household’s energy usage

Different plans could help you save money on your electricity bills. For example, if you’re away from home during the day and at home most evenings throughout the week, you might benefit from a “time of use” tariff.

The length of your introductory offer

You might be able to extend your introductory offer and 12-month discount by reviewing your plan each year and negotiating with your provider to keep this offer. Don’t be afraid to switch to a provider that offers more value for you and your household.

Sweeteners that may benefit you

If you’re still deciding which energy plan suits your needs, you might find that certain perks become an important deciding factor. For instance, some energy providers allow you to link up your Flybuys membership with your electricity account.

Energy plans that offer better value

By comparing energy plans across various providers, you may find a more competitive usage rate, daily fee, conditional discount or perk.

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Households across Victoria, South East Queensland, NSW and South Australia are still confused about the government’s recent changes to how energy plans are costed, new research has shown.

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Uber has announced that it will be launching a loyalty scheme for its 3.8 million Australian riders and diners, in a move that appears aimed at fending off the entrance of new ride-sharing services into the market.

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The platform will reportedly provide local users with a range of benefits based on how much money they spend with the service and is the third world market to utilise Uber Rewards. 

According to Dom Taylor, Uber’s head of strategy and operations at Uber Australia, the service will be available at scale by early 2020. 

Uber and Uber Eats customers will earn points at home or overseas through use of the app. 

While introduction into the program is free, members will have to splash up to $750 before receiving any rewards from the program, according to Uber.

Loyalty tiers will take significant investment to unlock, with customers spending up to $1,200 for gold status, up to $4,000 for platinum and up to $7,500 to reach the top level.

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Uber has announced that it will be launching a loyalty scheme for its 3.8 million Australian riders and diners, in a move that appears aimed at fending off the entrance of new ride-sharing services into the market.

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The average 18 to 34-year-old is saving 32 per cent of their monthly income, giving them the title of Australia’s best savers.

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The Suncorp Best Saver Report has found the amount is significantly more than the national average, which sits at 23 per cent of monthly income.

Suncorp said that while “they may be known as the smashed avocado generation”, the average 18 to 34-year-old has now surpassed their parents and grandparents in the savings game.

It indicated that those aged 35-54 years old are saving 20 per cent of their monthly income, while those aged 55-plus are saving just 19 per cent.

Commenting on the findings, the bank’s EGM consumer banking, Chris Fleming, said, “Many in this age group are likely to be enjoying an increase in their income as they finish university or build their career, while still having the flexibility of fewer big financial commitments.”

Mr Fleming conceded that the saving “sweet spot” is a strength held by the age group, “which generally stops as you get older”.

He considered it as “interesting to see the top savers in this younger age group were motivated by tangible goals – buying their first home, investment property or shares, which goes against the common assumption that this generation has given up on the great Australian dream of home ownership”.

According to the research, people who fit the best saver profile are generally confident about their own understanding of money and finances.

As a persona, the report indicated that “an 18-34-year-old female, with no kids, living in NSW, working full-time, who is focused on a tangible goal (property, shares), frequently entertains friends at home, uses tap and go or Apple Pay for purchases and brings lunch to work, tends to be Australia’s best saver”.

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The average 18 to 34-year-old is saving 32 per cent of their monthly income, giving them the title of Australia’s best savers.

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In good news as Christmas nears, national laws have come into effect today that mean any gift cards purchased Australia-wide must automatically come with a minimum three-year expiry period.

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The amendment to Australia’s consumer law has occurred to ensure a “consistent approach to gift cards, no matter where in Australia they are purchased”, according to Western Australia’s commissioner for consumer protection David Hillyard.

“Gift cards are big money in Australia, both for their convenience and flexibility, but unfortunately an estimated $70 million is lost each year due to expiry dates,” Mr Hillyard said.

He explained that federal, state and territory consumer agencies worked together to introduce the new rules around gift card expiry dates and post-purchase fees and charges “to help prevent such losses and to make gift cards fairer for consumers”.

“With the exception of a few limited-use gift cards and vouchers, all gift cards bought from 1 November 2019 will automatically come with a minimum three-year expiry period, with the expiry date to be clearly marked on the card,” Mr Hillyard said.

Even where traders do state an earlier expiry date, it will be invalid and consumers will be entitled to the mandatory three-year period.

“It will also be illegal for traders to charge post-purchase fees or administration charges that will reduce the value of the gift card, such as activation, account keeping and balance enquiry fees,” the commissioner continued.

Traders will be able to charge fees they would normally charge as part of a transaction, such as overseas transaction fees, booking fees or fees charged to replace a lost, stolen or damaged card.

Traders will also not be prevented from charging upfront fees for the purchase of the gift card, with Mr Hillyard acknowledging that “whether consumers choose to accept an upfront fee and proceed with the purchase will be up to them”.

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In good news as Christmas nears, national laws have come into effect today that mean any gift cards purchased Australia-wide must automatically come with a minimum three-year expiry period.

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The cost of the drought has hit consumers’ back pocket, but not hard enough to push inflation up to the Reserve Bank of Australia’s target of 2 to 3 per cent, national figures have shown.

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The Australian Bureau of Statistics (ABS) has released the consumer price index (CPI) for the September quarter, showing 0.5 per cent growth for the quarter.

This follows a rise of 0.6 per cent in the June 2019 quarter, accounting for 1.7 per cent growth through the year to the September 2019 quarter, compared with a rise of 1.6 per cent over the 12 months to June 2019 quarter.

The most significant falls in the quarter were automotive fuel, (-2 per cent), fruit (-3.1 per cent) and vegetables (-2.5 per cent).

ABS chief economist Bruce Hockman said: “Despite the price falls for fruit and vegetables this quarter, the drought is impacting on the prices for a range of food products.”

“Prices rose this quarter for meat and seafood (1.7 per cent), dairy and related products (2.2 per cent) and bread and cereal products (1.3 per cent),” Mr Hockman said.

The most significant price increases for the September 2019 quarter were international holidays, travel and accommodation (6.1 per cent), tobacco (3.4 per cent), property rates and charges (2.5 per cent) and child care (2.5 per cent)

“Annual inflation remains subdued partly due to price rises for housing-related expenses remaining low, and in some cases falling in annual terms.”

“Prices for utilities (-0.3 per cent) and new dwelling purchase by owner-occupiers (-0.1 per cent) both fell slightly through the year to the September 2019 quarter, while rents (0.4 per cent) recorded only a small rise,” Mr Hockman also noted.

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The cost of the drought has hit consumers’ back pocket, but not hard enough to push inflation up to the Reserve Bank of Australia’s target of 2 to 3 per cent, national figures have shown.

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Almost 30,000 additional workdays per week and close to $700 million in the GDP could be created each year by revamping Australia’s Child Care Subsidy model, a big four accounting firm has said.

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Consulting giant KPMG has reported that changes to the Child Care Subsidy (CCS) would better enable parents to return to work, but also see a doubling of the expense to the government that would be required to boost the subsidy.

KPMG’s report addresses the problem caused by an interaction of Australia’s tax and transfer system, which currently discourages secondary earners in families from working more hours.

“Our economic modelling in this report shows the proposals would generate an additional $678 million – using conservative assumptions – at a cost of $368 million in extra CCS spending,” Grant Wardell-Johnson, KPMG’s partner, economics and tax centre, said. 

The firm has used the example of a healthcare worker earning $50,000 a year through working four days a week.

As the system currently stands, this employee would currently only keep $1,500 of the $12,500 earned from that fourth day of work over the course of the year: a loss of 88 per cent.

Under KPMG’s proposal, this worker would keep almost 50 percent of the money earned from that fourth day’s work. The Workforce Disincentive Rate (WDR) cap (marginal income tax rate plus 20 percent) would be 54.5 percent instead of the current 88 percent and the health worker would receive a top-up payment of $4,188.

KPMG Australia chairman Alison Kitchen said, “The main proposal is to cap the WDR at the secondary earner’s – usually a woman – marginal income tax rate, plus 20 percentage points. There would then be a top-up payment through the CCS system.”

President of Chief Executive Women Sue Morphet believes updating the CCS will better enable women to return to the workforce.

“Increased affordability of child care can be a key enabler of greater parental equality in our society,” she said.

“Enduring norms regarding gender and work have proven harmful to the economic welfare of women, and our society as a whole,” Ms Morphet continued. 

She considered reducing financial disincentives for parents seeking to work full-time as “paramount”. 

“If we aspire to have equal workforce participation and leadership progression, we must ensure men and women are equally empowered, socially and financially, to share the income-generating and care-giving roles.”

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