Joel Gibson is a consumer money-saving expert and the author of Easy Money and Kill Bills!. He delivers crucial updates to slash energy, telco, insurance, and housing costs.

Nitika Garg is a consumer behaviour researcher at the University of New South Wales. Her primary research interests focus on studying the influence of emotions on consumer judgment and decision-making, including choice and consumption.

Mariam Gabaji is a tech and utilities expert at Finder with over 12 years of experience in print and digital media. Since joining Finder, Mariam has developed a particular interest in personal finance trends and insights. Her expertise is often featured in media, including ABC News, Yahoo Finance, 9News, 7News, A Current Affair, The Guardian, SBS, and Money Magazine. Outside of work, you’ll find her curled up on the sofa reading or scrolling through BookTok for her next read.