The number of people who are saving for a rainy day is on a further decline. Not only are people having difficulty finding the spare money to save but they are also looking at the additional tax due to be paid on any savings they may have. (more…)
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The highs and lows of household cash flow
The highs and lows of household cash flow
Do you find yourself wondering if there will be enough money to get you to the end of the week let alone the end of the month, is there too much month left and not enough wallet? The lows of household cash flow and then next month will be the opposite, when your wallet will last you and then some – the highs of household cash flow. (more…)
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Learning to manage your money
Learning to manage your money
Learning to manage your money can seem like a very difficult task especially if you are on a low income and do not have a lot of money to start off with. It is not how much money you earn that is important, it is how you spend it. (more…)
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More savings for householders on Gas and Electricity Bills
More savings for householders on Gas and Electricity Bills
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Save money on bank fees, better in your pocket than theirs
Save money on bank fees, better in your pocket than theirs
A recent article in the Irish Independent highlighted that bank fees are costing the average household in Ireland €200 per year approximately. And that €200 is not to pay for an overdraft facility, that’s a whole new set of additional fees on top of your basic charges. That’s €200 a year to access your own money and you could save money by banking for free.
While we in Ireland are getting the hang of switching energy suppliers at the flick of a button to save money, we are less inclined to look at moving our bank account from one bank to another. It is still possible to shop around and save money to keep your costs to the bare minimum or better yet, get “free” banking. Consumerhelp.ie is a very useful site if you are looking to save money on banking fees and will quickly compare bank charges helping you choose which bank best suits your needs.
I manage to get my household bills banking requirements for free with an EBS moneymanager account. I stay within the number of free ATM transactions a month and as one of our salary’s is paid into this account, I use it as my bill payments account. I use BillsManager.com to save money and manage my household bills, paying almost all bills by direct debit or standing order, again no bank charges apply. For those bills that cannot be paid by direct debit or standing order, I dispense from my account using internet banking, again free of bank charges.
BillsManager.com, the free online budgeting tool, keeps me on track of my household bills and expenses setting out exactly what I need to set aside for my bills […]
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Save time and money paying your bills
Save time and money paying your bills
I don’t know about you but January always feels like a never ending month and always the month that the biggest bills seem to come through that door. In addition the credit bill is at its highest as a result of those successful Christmas shopping trips. A very stressful time for most but not me. (more…)
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Girl power as Irish women take over household budgets
Girl power as Irish women take over household budgets
According to an article in the Irish Independent regarding a recent survey, over half of the Irish households surveyed said that women will take full control of the household expenses in 2014 in a bid to cut down on spending. It also states that women not only do most of the household chores such as cooking and washing, they are also increasingly the ones making the financial decisions. I say, old news! (more…)
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Get Christmas Shopping discounts on line or on foot
Get Christmas Shopping discounts on line or on foot
Its getting very close to the big day, that one day in the year when we throw all caution to the wind and spend it like there is no tomorrow. According to a recent Deloitte survey, we Irish will fork out a staggering €1.5bn in the run-up to Christmas day, on presents, food and drink. That works out at an average of about €900 per family. (more…)
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Reduce your heating bills this winter
Reduce your heating bills this winter
We may not have control on a variety of factors such as fuel costs or indeed, the weather, but you can learn to be clever about how you prepare for the winter. As the weathermen are predicting a cold snap very shortly, now is the time to make sure you and your home are prepared so that your heating bills do not shoot through the roof, literally. (more…)
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Christmas is coming, don’t blow the budget
Christmas is coming, don’t blow the budget
With only six weeks to go to Christmas, we are all probably thinking about starting the Christmas shopping. Gifts for all and time to overspend on food and drink. If you are the type to always end up paying for Christmas right through into the following year then you need to read on. (more…)
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