If you're over 55 and own your home in Australia, you're almost certainly paying bills you could legally stop paying — and leaving money unclaimed that already has your name on it.Not because you did anything wrong. Because not one concession, rebate or exemption in this country is automatic. The day you became eligible, no letter went out. The system that owes you the money is never the system whose job it is to tell you. Silence works in their favour — and for a lot of households it costs more than $1,000 a year, every year.My name is Tom Reilly. I spent years as a reporter covering money in this country, and I wrote the playbook I kept wishing someone would hand the people I was writing about: every rule that puts money back in your pocket, in plain English, with the exact form or phone call that claims it.WHAT'S INSIDE — 42 CHAPTERS, 9 PARTS, EVERY CHECKLISTMONEY YOU'RE OWED. The $19 billion in lost super the ATO is holding — and the free two-minute search that finds yours. Unclaimed bank accounts and insurance the regulator is sitting on. Tax deductions you can still claim on returns you've already lodged.BILLS YOU CAN STOP PAYING. Council rates, water, electricity and gas, car registration, ambulance cover — every one carries a concession for eligible older Australians, and every one needs you to put your hand up. One woman in this book paid $3,800 she never owed, over nine years, because nobody told her one form existed. One phone call fixed it for life.THE TRAPS. The gifting rule that can dock your pension for five years. The two-year clock on an inherited home. The title decision that cost one family $80,000 in tax on the same house. The 15% the ATO holds back at settlement unless one free form is lodged. Know the rule before you act and you step around it. Learn it after and you're writing a cheque.EVERY CHAPTER RUNS THE SAME WAY: the rule in plain English; a worked example with real arithmetic; the escape — the exact form, threshold or words to use on the phone; and a fifteen-minute checklist.PLUS 5 PRINTABLE BONUS TOOLS, INCLUDED FREE: the Master Action Checklist (every call and form in the book on two pages); the Phone Scripts Card (the exact words for all 8 calls); the Concession Tracker (log every call and watch the savings add up); the "Check On Mum & Dad" Sheet (five checks to run on a parent's bills this week); and the One-Hour Yearly Audit (the agenda that keeps you current every July).WHO IT'S FOR: Australians over 55 who own their home — pensioners AND self-funded retirees, since many of these rules follow the Commonwealth Seniors Health Card, not just the pension card. Also for the adult sons and daughters checking on mum and dad.WHY $29.95 MAKES SENSE: the council rates concession alone is worth up to $425 a year in NSW. If this book finds you one concession — just one — it has paid for itself many times over, and most readers find several.THE HONEST FINE PRINT: this is an educational guide — general information, not personal financial, tax or legal advice. Figures were checked against official sources at the time of writing, but rules change and differ by state, so always confirm current figures with the agency itself.Nobody is going to mail you the form. Ask for it by name — starting with this book.