We spoke to savings scribe Harry O'Sullivan about the latest inflation data shocker, and whether it wipes out any chance of another RBA rate cut in 2025.
Harry's article
https://www.savings.com.au/news/economists-say-inflation-numbers-no-cuts-until-well-into-2026
00:20 - Savings tip, travel insurance
02:20 - Inflation surprise
03:35 - Forecasts
04:45 - Any hope of a rate cut?
06:50 - Food prices
08:00 - RBA governor remarks
10:20 - Terminal cash rate
With Harrison away, Brooke Cooper from Your Mortgage co-hosts alongside Dom to break down the big money matters of the week.
In our Dollar Dialogue segment, ING Australia's Head of Consumer Insights Matt Bowen joins Brooke and Dom to discuss new research into Gen Z money habits and why this generation has been somewhat forced into being financially savvy.
And we speak to savings scribe Harry O'Sullivan about the latest inflation data shocker, and whether it wipes out any chance of another RBA rate cut in 2025.
01:37 - Dom & Brooke's savings tips
04:34 - Listener feedback on AUSTRAC red tape
06:00 - RBA card surcharge ban delay
10:19 - ANZ cuts savings account rates
12:35 - Young Aussies turning to AI for financial advice
16:05 - Savings Scribe: Harry O'Sullivan explains the Q3 inflation data shocker
27:35 - Dollar Dialogue: ING's Matt Bowen on Gen Z money habits
In this episode we're talkin' gold with Paul Bloxham, the chief economist at HSBC. Paul was last on in episode 99 at the start of April. That was right when Trump Tariff talk was taking off, which caused a bit of a dip in the share market. His savings tip was 'buy gold' - and now with gold at record high prices, we asked Paul if that's still relevant. We also got him to make sense of the heady share markets as well.
Head to onlineauto.com.au to see Alexi's reviews.
00:25 - Savings tip
01:40 - Car sales update
02:45 - Biggest sales winners of 2025
03:49 - Biggest losers
05:03 - How EV and hybrid sales are going
07:10 - Rapid fire Q's: Best and Worst
In this episode we're talkin' gold with Paul Bloxham, the chief economist at HSBC. Paul was last on in episode 99 at the start of April. That was right when Trump Tariff talk was taking off, which caused a bit of a dip in the share market. His savings tip was 'buy gold' - and now with gold at record high prices, we asked Paul if that's still relevant. We also got him to make sense of the heady share markets as well.
00:28 - HSBC's view on gold
02:18 - What's driving the hype
04:06 - Why are share markets also pumping?
05:42 - And what about property
07:52 - HSBC's take on RBA movements
In this episode we're talkin' gold with Paul Bloxham, the chief economist at HSBC. Paul was last on in episode 99 at the start of April. That was right when Trump Tariff talk was taking off, which caused a bit of a dip in the share market. His savings tip was 'buy gold' - and now with gold at record high prices, we asked Paul if that's still relevant. We also got him to make sense of the heady share markets as well.
We also spoke with Alexi Falson, savings scribe and resident automotive journalist, for the latest in the world of cars. We discussed the highs, lows, and surprises of 2025 in regards to vehicles he's reviewed.
Head to onlineauto.com.au to see Alexi's reviews.
01:55 - Savings tips, pause gym & play around with banks
05:38 - Listener feedback on Darwin property
08:00 - New anti money laundering laws for real estate agents
10:32 - One third of property markets now $1m-plus
13:53 - More commuters cycling to work
16:56 - Alexi's automotive highs and lows of 2025
27:41 - Paul Bloxham's take on gold and investment markets
We also spoke with savings scribe Denise Raward about the $3m super tax changes and what they mean for you. It was one of the key policies Jim Chalmers had been cooking up over the past couple years, but now he wants to significantly change it. Hmmm. Curious.
Denise's article here
https://www.savings.com.au/news/backdown-on-super-tax-for-the-rich
01:00 - Savings tip
03:10 - The super changes
06:28 - Low income earners benefit too
10:28 - Why the change of heart from Chalmers
13:07 - The way it indexes to inflation
15:39 - Hits to the budget
This week, we're talking grocery prices with Grocerize founder Blake Bennett. You might have realised we spoke about Grocerize in episode 126 briefly with James Cudmore, CCO at Newcastle Greater Mutual. We thought hey that's pretty cool, why not get Grocerize on to talk about how it's taking on Coles and Woolies.
And keep your ears peeled (05:07) for a special code for Tip Jar listeners to take advantage of what Grocerize has to offer.
Check out Grocerize here
https://www.grocerize.com.au/browse
00:20 - Savings tip
00:53 - What is Grocerize
03:26 - Why pay for the premium tier
05:07 - Exclusive offer for podcast listeners
06:26 - Price psychology of Coles and Woolworths
09:19 - Partnership with NGM Group
11:28 - Future developments - Aldi?
This week, we're talking grocery prices with Grocerize founder Blake Bennett. You might have realised we spoke about Grocerize in episode 126 briefly with James Cudmore, CCO at Newcastle Greater Mutual. We thought hey that's pretty cool, why not get Grocerize on to talk about how it's taking on Coles and Woolies.
And keep your ears peeled (35:20) for a special code for Tip Jar listeners to take advantage of what Grocerize has to offer.
Check out Grocerize here
https://www.grocerize.com.au/browse
We also spoke with savings scribe Denise Raward about the $3m super tax changes and what they mean for you. It was one of the key policies Jim Chalmers had been cooking up over the past couple years, but now he wants to significantly change it. Hmmm. Curious.
And all the latest news and savings tips of course.
Denise's article here
https://www.savings.com.au/news/backdown-on-super-tax-for-the-rich
01:30 - Savings tips, bank emails & cheap Google Pixel
04:00 - Payday super news
06:25 - RBNZ makes big cash rate cut
09:45 - Darwin property price rebound
13:37 - Super tax backdown with Denise
30:11 - Grocerize grocery comparison with Blake
We spoke to savings scribe Brooke Cooper, editor of Your Mortgage, about why the major banks are walking back their calls for an RBA cash rate cut in November. Inflation could be making a surprise resurgence by one measure, but are they jumping at shadows?
Brooke's RBA rate cut forecast news here
https://www.yourmortgage.com.au/mortgage-news/westpac-officially-alone-in-forecasting-more-2025-rba-rate-cuts
00:13 - Savings tip
01:39 - Changing RBA forecasts
04:15 - What it means for mortgages
08:22 - The balancing act
11:02 - Crunching the numbers
On this week's episode we're talking about divorce - more specifically, how to financially recover from it and rebuild your life. We speak to Gemma Mitchell, author of The Money Reset. At age 28 Gemma found herself divorced, having to juggle kids, investment properties, and more. We discuss how she navigated through that to land on her feet - we also discussed the re-rise of apricot chicken i.e. simple meals to beat the cozzy livs.
Gemma's article on apricot chicken
https://www.savings.com.au/budgeting-finance-tips/apricot-chicken-is-back-and-it-s-saying-something-about-our-wallets
Gemma's podcast
https://www.raskmedia.com.au/podcasts/australian-finance-podcast/
00:33 - Savings tip
01:56 - Book inspiration
03:58 - Unravelling finances
06:12 - Money mindsets
08:32 - The little things
09:52 - Re-rise of apricot chicken
On this week's episode we're talking about divorce - more specifically, how to financially recover from it and rebuild your life. We speak to Gemma Mitchell, author of The Money Reset. At age 28 Gemma found herself divorced, having to juggle kids, investment properties, and more. We discuss how she navigated through that to land on her feet - we also discussed the re-rise of apricot chicken i.e. simple meals to beat the cozzy livs.
Plus we spoke to savings scribe Brooke Cooper, editor of Your Mortgage, about why the major banks are walking back their calls for an RBA cash rate cut in November. Inflation could be making a surprise resurgence by one measure, but are they jumping at shadows?
And all the latest news and savings tips of course
Gemma's article on apricot chicken
https://www.savings.com.au/budgeting-finance-tips/apricot-chicken-is-back-and-it-s-saying-something-about-our-wallets
Gemma's podcast
https://www.raskmedia.com.au/podcasts/australian-finance-podcast/
Brooke's RBA rate cut forecast news here
https://www.yourmortgage.com.au/mortgage-news/westpac-officially-alone-in-forecasting-more-2025-rba-rate-cuts
01:40 - Reader feedback: The Greenspan Put
07:00 - Savings tips, cashback offer and ask for a better rate
11:45 - Westpac savings account changes
14:53 - Household spending
17:42 - Offset account warning
22:26 - No cash rate cut in November? With Brooke
34:31 - Changing money mindsets with Gemma
Bea Garcia - resident savings scribe - is here to talk about how to save for a holiday and a house deposit at the same time! You don't necessarily need to sacrifice one for the other, but manage both appropriately, and temper your expectations of a big trip to Monaco while sipping Aperols.
Bea's article:
https://www.infochoice.com.au/savings-accounts/saving-for-a-holiday-and-a-house
Compare savings accounts and term deposits with InfoChoice
https://www.infochoice.com.au/savings-accounts/
https://www.infochoice.com.au/term-deposits/
00:23 - Savings tip, cut back on subscriptions
01:48 - Still realistic to save for house and holiday
03:54 - Finding balance
07:11 - Compromises on holiday
On this week's episode we're talking to James Cudmore, the chief customer officer at Newcastle Greater Mutual - the merged entity taking care of Greater Bank and Newcastle Permanent. He's here to talk about some new research from the bank that consumer confidence is turning, and customers are feeling more confident to spend having reined in expenses. Plus we talk about the continued property push in the regions, including the Hunter! Beautiful area.
00:38 - Savings tip
01:40 - Changing spending habits
02:55 - Areas people are cutting back
03:50 - Age group differentiation
05:15 - Younger demographic changes
06:20 - Regional banking shift
08:08 - Free Grocerise access
09:15 - Regional living here to stay
On this week's episode we're talking to James Cudmore, the chief customer officer at Newcastle Greater Mutual - the merged entity taking care of Greater Bank and Newcastle Permanent. He's here to talk about some new research from the bank that consumer confidence is turning, and customers are feeling more confident to spend having reined in expenses. Plus we talk about the continued property push in the regions, including the Hunter! Beautiful area.
Plus if you're looking to holiday in or move to the Hunter, Bea Garcia - resident savings scribe - is here to talk about how to save for a holiday and a house deposit at the same time! You don't necessarily need to sacrifice one for the other, but manage both appropriately, and temper your expectations of a big trip to Monaco while sipping Aperols.
And all the latest news and savings tips of course.
01:55 - Savings tips, off-season fashion & cheap flights to Bali
04:42 - RBA cash rate hold news
07:54 - Property price news
10:54 - Expanded Home Guarantee kicks off
15:30 - Quick ubank PSA
16:28 - Saving for a holiday and house with Bea
26:35 - Spending cutbacks and regional living with James Cudmore
We spoke to Bernadette Lunas, the editor at Your Investment Property Magazine. There's a new edition coming out very soon (30 Sept) - all you need to do is visit the website and sign up to get your copy. As Bern highlights, there's some great stuff in there for investors, including spring selling season guides, suburb spotlights and state market roundups, as well as all important DATA.
Get the magazine here: https://www.yourinvestmentpropertymag.com.au/magazine
00:19 - Savings tip
01:47 - Magazine preview
05:24 - Bern's fave articles
06:31 - How to get the mag
On this week's episode we're talkin' jobs. More importantly, the prospect of people losing their jobs. There have been some big job cuts bandied about in the media lately, and on to discuss the labour force is Harry Ottley, an economist at CommBank. We discussed the labour trends, where the unemployment rate is likely to be, full-time work, if the labour force is still inflationary, and If we're seeing a trend back to the market sector.
00:43 - Savings tip
02:05 - Reaction to 4.2% unemployment rate
04:10 - Underemployment
06:34 - NAIRU (non accelerating inflation rate of unemployment)
09:35 - Care economy and market jobs
On this week's episode we're talkin' jobs. More importantly, the prospect of people losing their jobs. There have been some big job cuts bandied about in the media lately, and on to discuss the labour force is Harry Ottley, an economist at CommBank. We discussed the labour trends, where the unemployment rate is likely to be, full-time work, if the labour force is still inflationary, and If we're seeing a trend back to the market sector.
And we also spoke to Bernadette Lunas, the editor at Your Investment Property Magazine. There's a new edition coming out very soon (30 Sept) - all you need to do is visit the website and sign up to get your copy. As Bern highlights, there's some great stuff in there for investors, including spring selling season guides, suburb spotlights and state market roundups, as well as all important DATA.
And all the latest news and savings tips of course.
Get the magazine here: https://www.yourinvestmentpropertymag.com.au/magazine
01:40 - Savings tips, OnePass & NBN deals
04:41 - Inflation news
07:01 - CBA Qantas Points deal
09:22 - AMP home loan news
11:03 - Bern on the new YIP Mag
19:21 - Harry Ottley on unemployment trends
We spoke to Denise Raward, resident finance journalist, about Domain's recent report that found there's basically no such thing as affordable housing left! Well isn't that depressing. Luckily, Denise shared some of the takeaway recommendations for meaningfully improving affordability, besides just chucking another subsidy or carrot at first home buyers.
Denise's article here
https://www.savings.com.au/news/home-affordability-breaking-point
00:35 - Savings tip, organic spinach
02:00 - Hurdles for homebuyers
03:00 - No more affordable markets
05:00 - 5% deposit scheme
10:20 - Positive solutions
On this ep we're talking food waste. According to research from OzHarvest the average person wastes about 113kg of food every year. That's a front row prop in the NRL! On to discuss this is Monique Llewellyn, the national campaign manager for the food charity. We discuss the research, why people waste so much food, the 'leftover epidemic', grocery prices, what OzHarvest is, and practical tips to avoid food waste.
00:55 - Savings tip, stretch meals
02:24 - Why people throw out so much food
04:38 - Leftover epidemic
06:40 - Reducing food waste
08:50 - Cozzy livs
10:44 - What is OzHarvest
12:59 - Top tips for households
On this ep we're talking food waste. According to research from OzHarvest the average person wastes about 113kg of food every year. That's a front row prop in the NRL! On to discuss this is Monique Llewellyn, the national campaign manager for the food charity. We discuss the research, why people waste so much food, the 'leftover epidemic', grocery prices, what OzHarvest is, and practical tips to avoid food waste.
Plus we speak to Denise Raward, resident finance journalist, about Domain's recent report that found there's basically no such thing as affordable housing left! Well isn't that depressing. Luckily, Denise shared some of the takeaway recommendations for meaningfully improving affordability, besides just chucking another subsidy or carrot at first home buyers.
Denise's article
https://www.savings.com.au/news/home-affordability-breaking-point
And all the latest news and savings tips.
01:33 - Savings tips, haggling & good razors
04:11 - CBA home loan below 5%
07:15 - ANZ misleads customers on savings accounts
11:00 - Positive TD rate movement from Judo, Bank of Sydney
14:42 - Denise on housing affordability
28:44 - Monique from OzHarvest on food waste
