How to Save Hundreds on Your Household Bills in 2026 | Energy, Insurance & Grocery Savings Ft Joel Gibson 

Still paying the same bills you were five years ago? It might be time to do something about that. Molly sits down with consumer advocate, bestselling author, and Today Show money expert Joel Gibson for their annual bill audit and this one is packed with practical tips you can action this weekend.

Whether you've never touched your energy plan, haven't looked at your insurance in years, or just feel overwhelmed by where to even start, Joel breaks it all down in plain English so you can stop overpaying and start keeping more of your money.

In this episode, you'll learn:

• Why 80% of Australians are not on the cheapest energy plan available to them and how to fix it in minutes
• The sneaky "loyalty tax" your insurance company is quietly charging you (and how to beat it)
• The single most important bill to tackle first if you're a complete beginner
• Which grocery apps and websites can save you hundreds on your weekly shop
• How to find unclaimed government money that might literally have your name on it
• What's actually happening with energy prices in July 2026 and what to do before the letters start arriving
• Joel's top winter money-saving hacks, including the one heating tweak that could save you $100+ this season
• Why solar and batteries might be worth it even if you don't have upfront cash
• What One Big Switch is and how to use it to negotiate better deals on your household bills

Perfect for: any Australian woman who knows she should probably be doing more with her bills but hasn't gotten around to it yet, this episode is your sign.

The biggest takeaway? You don't have to overhaul your whole life to save money. You just have to make a few calls. 💸🎧

CHAPTERS

00:00 - Introduction: The Aged Care Conversation Every Australian Family Needs to Have
 

RESOURCES FROM THE EPISODE

📖 Downsizing Made Simple (Rachel's book, co-authored with Noel Whitaker)
🔗 https://downsizingmadesimple.com.au/

🏛️ My Aged Care
The government's starting point for all aged care assessments and information in Australia.
🔗 www.myagedcare.gov.au

CONNECT WITH JOEL GIBSON

Website: http://www.joelgibson.com.au/
TikTok: https://www.tiktok.com/@joelkillsbills
LinkedIn: https://www.linkedin.com/in/joel-gibson-29939354/
Instagram: https://www.instagram.com/joelkillsbills

CONNECT WITH LADIES FINANCE CLUB

Buying a property? Need Financial Advice? Time to sort the Will? Let us help connect you with an awesome woman in finance! https://directory.ladiesfinanceclub.com/
Join our free Facebook group - Ladies Finance Club Money Chat
Website: https://www.ladiesfinanceclub.com/
Instagram: https://www.instagram.com/ladiesfinanceclub/
LinkedIn: https://www.linkedin.com/company/ladies-finance-club/
Newsletter: https://www.ladiesfinanceclub.com/newsletter23

TAKEAWAYS

SOUND BITES

"We've had three real cost of living crises in a decade."

"Loyalty tax is a huge money leak."

"Adjust your thermostat by just a few degrees to save hundreds."

TRANSCRIPT

[00:00:00]

KEYWORDS
 cost of living, bill reduction, energy savings, shopping hacks, financial tips, Australia