Ways To Cool Down Your House And Save Using The Air Con

The temperature in Australia can easily hit 30°C during the long summers. Thanks to air conditioning, you can retreat to a cool home.

There’s a downside, though. As your AC unit works hard to quench the heat, your electric bill could spike.

Now, there are simple and effective ways to cool down your home without using your AC much.

Turn the AC off at night

You can keep your air conditioning on during the day and off at night. Take advantage as the evening air is naturally cooler.

Just open the windows or doors and let the gentle breeze cool things down. You can still enjoy some nocturnal energy savings and comfort.

Set the thermostats

When it comes to reducing your AC bill and energy consumption, every degree matters.

Setting your thermostat between 22°C and 24°C is one of the most energy-efficient ways to save. An AC unit set 1 degree warmer can cut costs by up to 10%. You’re saving on your energy bill for every degree of cooling you can do without.

Note: Do not set the thermostat less than 8 degrees below the outdoor temperature.

Consider a thermostat with a built-in timer to maximise your energy bill reduction. This way, the hours of operation are automatically set for maximum energy efficiency.

Get shady

Whenever you can get shade, take it for it will make your home stay cooler. You can’t turn down the sun, but you can turn down the heat with some shade.

Keep curtains, blinds, drapes, and awnings drawn and closed to get shady. For windows facing the sun, have a light-coloured backings for curtains and blinds as they also deflect heat.

Tinted windows can also stop some of the sun’s heat from coming in.

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Turn off heat-emitting appliances

Your home appliances — television, lamp, oven, stove, etc. — emit heat, forcing your AC unit to work harder. If not in use, unplug or turn them off.

Make a salad or any meal that doesn’t require cooking at all, or try to cook outside, perfect for summer.

Keep costs down with AC maintenance

To maintain maximum efficiency, keep your AC unit regularly maintained, and make sure the filter is cleaned or replaced. A dirty filter means higher energy costs as your AC works harder.

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Note: You should only ever borrow as little as you need and look to pay it back as quickly as you can.

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Disclaimer: Please be aware that Cigno Loans’ articles do not replace advice from an accountant or financial advisor. All information provided is intended to be used as a guide only, as it does not take into account your personal financial situation or needs. If you require assistance, it is recommended that you consult a licensed financial or tax advisor.


Ordered by the Federal Court of Australia

The Federal Court of Australia has found that Cigno Australia Pty Ltd (Cigno Australia) and BSF Solutions Pty Ltd (BSF Solutions) have breached the law by engaging in unlicensed credit activity and charging prohibited fees.

In the period from July 2022 to 3 October 2023, over 100,000 consumers have been lent a total of $34 million, and charged fees of over $70 million, under the ‘No Upfront Charge Loan Model’ operated by BSF Solutions and Cigno Australia. At no time has either BSF Solutions or Cigno Australia held an Australian Credit Licence.

The Court also found that Mark Swanepoel (director of Cigno Australia) and Brenton James Harrison (director of BSF Solutions) were involved in these breaches of the law.

With effect from 24 May 2024, the Court has granted permanent injunctions preventing Cigno Australia and BSF Solutions from:

  • demanding, receiving or accepting fees or charges, including amounts of loan principal, from consumers in relation to credit provided under the ‘No Upfront Charge Model’; and
  • engaging in further credit activity pursuant to the ‘No Upfront Charge Loan Model’, including by entering into new agreements with consumers, for so long as they do not hold an Australian Credit Licence.

Cigno Australia was ordered by the Court to, by 5th July 2024, send written communications to consumers who between July 2022 and December 2022 entered into agreements with Cigno Australia and BSF Solutions under the ‘No Upfront Charge Loan Model’.

The Court will later determine whether (among other things) Cigno Australia and Mark Swanepoel ought to pay a pecuniary penalty in respect of this conduct, and whether Mark Swanepoel should be restrained from carrying on a business engaging in credit activity.

Cigno Australia, BSF Solutions, Mr Swanepoel and Mr Harrison intend to appeal the decision of the Court and have filed an application for leave to appeal. If the appeal is successful, some or all of the orders of the Federal Court of Australia may be set aside.

Where can you get more information?

Where to go for further support

You can access legal advice in your state at: Free legal advice – Moneysmart.gov.au.

If you are experiencing trouble with debt, or money worries in general, contact:

  • the National Debt Helpline on 1800 007 007 or online chat (9:30am to 4.30pm, Monday to Friday).

If you need someone to talk to, contact:

  • Lifeline on 13 11 14 (24 hours) or their crisis support online chat or
  • Beyond Blue on 1300 22 46 36 (24 hours) or their webchat