Budget expert Joel Gibson found some ways she can save.
Groceries are the second-biggest weekly cost after their mortgage, which can be higher than average due to Kelly's son's specific dietary needs.
It also helps having their adult daughters, aged 19 and 21, help to pay a portion of the household bills, including electricity. "It's much easier than it used to be to compare health insurance policies because they're all now categorised as gold, silver, bronze or basic," Gibson said."For example, an HBF Bronze Hospital Plus family policy starts from $2001 per year, while Bronze Plus cover starts from $1728 at AHM and $1726 at HCF.
"There's not much cheaper than the $10 per month Woolworths Mobile plan that Kelly's son is on," Gibson said. "Optus currently offers 30GB for about $50, while there are others that offer the same amount of data on the same network starting from $11-$19 for six to eight months, then $30 per month, as this comparison shows:"Their NBN is about $95 per month, which is a typical price for a FastNBN plan with download speeds of around 100Mbps.
"If Kelly isn't receiving the Family Tax Benefit Part A, it might be worth looking into because that could also entitle her family to a Health Care Card and bring their state-based rebates up to as much as $1086.""I live with two coeliacs so I know how annoying it is to have to pay more for everything!" Gibson said.
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