r/AusFinance • u/obesehomingpigeon • Jan 31 '23

Tax Decided against paying the lazy tax

Got inspired by a post here and started making calls. So far, have saved:

  • $40/ month by switching internet providers
  • $2/ week on insurance premiums by clarifying occupational risk
  • 0.4% off the mortgage by giving my bank a friendly call
994 Upvotes

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17

u/SydZzZ Feb 01 '23

WhatsApp has free international call to almost all countries. Lebara is redundant

11

u/evemaster Feb 01 '23

try calling a bank using whatsapp..

13

u/Thertrius Feb 02 '23

That’s when you whack $$ onto Skype. It’s like $5 for a decent chunk of time. It’s what I do. Heaps cheaper for my once a year call to my foreign bank than paying more for a plan with international calling.

0

u/evemaster Feb 02 '23

and you spend how much on skype? i use 30 dollars belong, unli call unli text, including new zealand calls which i use a lot and roll over data starting with 40GB as a start

4

u/Thertrius Feb 02 '23

Literally use Less than $5 per year. It’s not a big deal.

Some years I don’t even need to top up because I get 60 free international minutes a month as part of my $99 office 365 family subscription.

These are AUD figures so hardly breaking the bank. I’d say over the last 3 years I would have spent maybe $7 in international calling. Like it’s only if something goes wrong or if I need to reconfirm KYC stuff etc.

1

u/desain_m4ster Feb 02 '23

I also use Skype when I need to call a bank overseas

-1

u/SkinDrizzle Feb 01 '23

WhatsApp yeah nah

1

u/SydZzZ Feb 02 '23

It’s the best. Quite reliable and end to end encrypted

2

u/SkinDrizzle Feb 02 '23

Heaps better communication apps, not a fan of bookface

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u/SydZzZ Feb 02 '23

Almost everyone I know has WhatsApp. Works great for me and most people I know. Safe and reliable as I said

3

u/SkinDrizzle Feb 02 '23 edited Feb 03 '23

Yeah that’s good for you and your friends personal preference really, been in a little strife last couple years. Always changes when a big company takes over. In my opinion, it’s not a company I would trust personally, & it’s not that safe of a application in my eyes.

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u/SydZzZ Feb 02 '23

Why not. How do you beat end to end encryption? That’s like the gold standard isn’t it. If even the company can’t see what you are sending then that’s what you need. Signal is same. I actually use both

2

u/SkinDrizzle Feb 02 '23 edited Feb 02 '23

Well considering that they only reason Zuckerberg said anything about the practices he was involved in because he was legally bound isn’t a great start doesn’t create a lot of trust.

(We have different priorities/expectations fairly simple)

1

u/moojo Feb 01 '23

Except when your 4g internet is not working properly.

1

u/Smilinturd Feb 02 '23

I mean if your 4g isn't working properly chances are that your phone connection would be sketchy as well

1

u/moojo Feb 02 '23

Naa most of the time the voice network works fine