Bill shock is enough to put anyone on edge.
While new ATO figures suggest we're being overcharged by more than $400 million on bills, most Aussies are simply towing the line rather than speaking up about paying too much.
Now, Joel Gibson is here to help you conquer your credit cards and ditch your debt, with a new money-saving guide filled with tricks you need to win the war on household bills.
"If you want to guarantee you're going to pay top dollar for your household bills, do nothing," Gibson said.
"Behind the scenes, in businesses, if you're one of those people who never do anything, they call you a sleeping beauty.
"It means you're dozing away peacefully, and they're determined not to disturb you because they're getting the maximum margins out of you."
Mystery Shopper method
The Mystery Shopper method is a way of using leverage by getting a quote for a new policy or bill, using the address of someone in your neighbourhood.
"It's impersonating a new customer, getting a quote from your current provider, and just checking to see if they're giving you the same price that they're giving to a new customer," Gibson said.
"For home insurance, research suggests new customers get 30 per cent lower premiums than old, loyal customers - so there's no reward for loyalty there.
"Sometimes that gives you some great leverage when you ring up and try to negotiate. They'll often work to match it or play ball with you if you've got that in your hand."
"The single most important thing when it comes to petrol is to fill up at the right time in the right place," Gibson said.
"There are now apps in every state that show the graphs of the petrol cycle.
"In WA, the cheapest day is still Monday and it's like clockwork. In other states, the cycles are longer and less predictable. But you can check on an app or the ACCC website to see which days are best."
"If you can, shop at more than one supermarket," Gibson said.
"One of those two supermarkets should be Aldi if you've got one near you - and then you can shop at Coles or Woolworths depending on what works for you.
"If you're really determined, the specials are out every Wednesday - so keep an eye on those.
"And don't buy the Tim Tams at the end of the aisle, because that will hurt you."
Find out more about Joel Gibson's book Kill Bills here.
Originally posted as The biggest mistake you are making when it comes to household bills!