Moving around a lot? 4 things you can’t let slip when your address changes

When your address changes often, life moves fast. It can be tough for the important stuff to keep up.

One lease ends, another begins. A new suburb. A new coffee spot. A different housemate who steals your oat milk.

When you move often, it’s usually the obvious things you stay on top of: rent, bills, redirecting your mail, updating food delivery apps, remembering which cupboard the mugs live in this time.

It’s the “future you” admin that’s easiest to forget. Things like insurance. Savings. And super.

Because you don’t see it day to day, it can quietly drift out of date.

Turns out, forgetting to update your super fund is a lot easier than forgetting whose turn it is to clean the bathroom.

Here are 4 renter-friendly reminders to keep your money and future-self sorted, thanks to our friends at Rest Super.

1. Set a reminder for 1 July 2026: Payday Super kicks in

There’s a change coming on 1 July 2026 that will make staying on top of your super much easier.

It’s called Payday Super, and it means you might see contributions land sooner, which makes it much easier to spot missing payments or errors.

With Payday Super, employers will need to pay your super at the same time as your wages, instead of quarterly.

This can give you more visibility, more control, and helps catch issues faster, as you’re not waiting months to find out if something’s gone wrong.

Of course, it’s still worth checking your super every now and then, especially if you’ve changed jobs, started a side hustle, or switched between casual and full-time roles.

2. Got under $37k in income? You might be entitled to a payment into your super of up to $500

If your total income is under $37,000 a year, you might be eligible for the Low Income Super Tax Offset (LISTO), meaning the government could add up to $500 directly into your super account!

The LISTO is a super payment that the government makes to help people with low incomes save for their retirement. Think of it as a refund from the government for some of the tax that you pay on the money going into your super account.

You don’t need to apply. But your super fund does need your Tax File Number, otherwise you could miss out. Check out the eligibility requirements at the ATO website or the Rest Super website.

Significantly, the Government recently announced it plans to make changes to the LISTO scheme – which means more people than ever before could benefit from it.

3. Every little bit helps (especially if it’s voluntary)

If you’ve got anything left after rent, groceries and that one spontaneous weekend trip you definitely didn’t plan for, you might consider adding a little extra into your super.

These are called voluntary contributions.* And even small amounts can grow significantly over time thanks to compound interest.

It’s one of those “future you will be very grateful” habits. And if you’ve downloaded the Rest App, it’s super simple to do.

4. Your address isn’t just for food deliveries

When you’re renting, life can change quickly. One year you’re near the beach. The next you’re closer to the city.

When you move a lot, updating your address can fall down the priority list somewhere between unpacking and finding the nearest decent takeaway.

But your super fund needs your current details to send important updates about your account, rule changes, or tax-time information.

It’s usually a quick update and saves a lot of hassle later. Again, just punch in your new deets into the Rest App.

Because while your life might be all over the map, your future doesn’t have to be.

Disclaimers

*Before making voluntary contributions, consider whether this is appropriate for you (particularly given most people cannot access their super until retirement). It’s a good idea to also check your contribution caps and speak with a financial adviser.

Rest Super is issued by Retail Employees Superannuation Trust ABN 39 001 987 739 (Rest), trustee of Retail Employees Superannuation Trust ABN 62 653 671 394 (Fund). This information has been prepared without taking account of your objectives, financial situation or needs. Before acting on the information or deciding whether to acquire or hold a product, consider its appropriateness and the relevant PDS, FSG and TMD which are available at rest.com.au/pds.