The Money Back Guide is a 35-page Australian PDF covering cashback, loyalty points, fuel, groceries, rebates, bills, tax and unclaimed money. Every method is explained step by step, so you can start with the easy ones tonight.
Cashback, points and card offers exist for purchases you already make. Most people never switch them on.
Government support, unclaimed money and tax offsets only help if you know they exist and how to apply.
"Use coupons" does not help at Woolworths, Coles or Ampol. This guide is built around how Australian shopping actually works.
Free money on stuff you're already buying
Stacking points like a professional
Stop overpaying every time you fill up
Slash your weekly shop without living on rice and beans
Because telling people to stop eating out is useless advice
Support that most people never claim
The single biggest quick win for most households
Set it up once, save without thinking
Money you might not know you're owed
Cash the government is literally holding for you
Putting it all together
A start-here checklist, a savings totals page, links and sources
Most households will realistically save somewhere between $3,000 and $8,000 a year by working through the guide. If you used every method and qualified for all of them, the full potential adds up to about $10,900. These are estimates only. Your result depends on your household, your spending and what you are eligible for.
This is the cheat sheet I wish someone had handed me three years ago. I tested these methods with my own money, and as at April 2026 my own ShopBack cashback alone had paid me back $1,249. That is my personal result, not a promise. Everything in the guide is written so you can follow it without a finance background.
The Bill Comparer and Subscription Audit are free. The guide links to these tools in the energy, insurance and subscriptions sections.
A PDF you download straight after purchase. It works on any phone, tablet or computer, and the links are tappable.
This is the October 2026 edition. Programs, rates and rules change, so the guide shows where each fact was checked and reminds you to confirm details before acting.
The methods are free to use, with two optional paid tiers of about $7 a month where the guide says so. You choose whether they are worth it for you.
Yes, the ShopBack and TopCashback sign-up links. Usually both of us get a bonus (for example $20 each), and it costs you nothing. The guide says so wherever it applies. Everything else in the guide, including my own tools, is not a paid link. I only include platforms I have used or properly vetted.
No. It is general information only, and savings figures are estimates. Check eligibility and current details before you decide.
See the refund policy for how refunds work on digital products.
Pick the easiest chapter, switch on one thing, and see how it feels. The guide shows you exactly where to begin.
Get the Guide for $6.95