OPINION: I am not loyal, I am just lazy

A NEW study has revealed what I already knew, but just didn't want to own up to.

That is, if I bothered to switch banking, insurance, grocery and utilities providers, I could save hundreds, if not thousands, each year.

I am not alone in this area, the national research put me alongside 25% of Australians who constantly considered switching providers for those services, but never act.

The report, conducted by the Queensland University of Technology (QUT) on behalf of Heritage Bank, examined the switching habits of Australians across a variety of bank and service providers including home loans, credit cards, home and contents insurance, energy and grocery suppliers, and mobile phone and internet providers.

The report also revealed almost a third of us think switching is too much effort, making it the leading barrier to finding the best deal.

And that is my excuse, even considering changing banks and with it my direct debits and the like gives me a headache.

Like many of us I am so consumed with work that by the time the end of the day arrives filling out forms to change providers is the last thing I want to do.

It seems I get swept along each week and great financial opportunities just remain on my "to do" list for another time.

The question now is: If I have all this evidence of how I can save money, am I going to actually do it?

That is certainly a good question; I'll need to think about it.


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