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Money saving tips
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By *og-Man OP Man
over a year ago
somewhere |
Might be a stupid idea but every little helps as a well know supermarket says
February is the month for me to try to save as much as possible on the household bills for the year
The way things are I thought people could post money saving idea's to help others out
I shared this on another thread during the week
If you have Sky television at the end of your contract always threaten to leave ( but you dont want to )
You'll get half price for 6 months when they persuade you to stay |
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By (user no longer on site)
over a year ago
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Here are some that should help
Married men save money instantly by turning your sofa into a sofa bed simply by forgetting your wedding anniversary.
Save money on expensive nibbles...just turn your keyboard upside down and eat what comes out.
Save money on expensive toilet rolls, coffee, milk and sugar by simply using the toilet in your neighbour's house when you pop in to borrow some coffee, milk and sugar every day
(clearly for when restrictions are lifted) |
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By (user no longer on site)
over a year ago
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Alienate as many friends, neighbours and family as possible so they stop inviting you to their stupid weddings, milestone birthday parties, kids communions and confirmations.
Hang on to the select few who give you stuff and mind your kids/dog for free (if it's too late for my first tip of the thread) |
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By *og-Man OP Man
over a year ago
somewhere |
"Here are some that should help
Married men save money instantly by turning your sofa into a sofa bed simply by forgetting your wedding anniversary.
Save money on expensive nibbles...just turn your keyboard upside down and eat what comes out.
Save money on expensive toilet rolls, coffee, milk and sugar by simply using the toilet in your neighbour's house when you pop in to borrow some coffee, milk and sugar every day
(clearly for when restrictions are lifted)"
Some brilliant tips there alright |
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By (user no longer on site)
over a year ago
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I think OP was expecting some 'actual' tips.
Change your banking current account to a bank that does not charge fees. For example, N26 which is a fully online German bank. Fantastic app, debit cards, IBAN that Irish utilities support, and no fees unless you have a requirement to upgrade (which I didn't) |
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By (user no longer on site)
over a year ago
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Buy oil/fuel off season
Cancel streaming services you don’t use regularly
Switch off (rather than standby) electronics at night
Defrost your fridge/freezer every 6months....and don’t leave the door open for ages -the fridge has to work harder to re-cool the air the longer you leave it open
Only boil the amount you need in a kettle
Cut your electric showers shorter -just watch your meter to see how much electricity is used when you shower.
Ring your electricity supplier to see if they can match prices to stop you leaving for another provider
Learn a new skill/hobby that is low/no cost
Make a meal plan/shopping list and reduce your shopping/waste
Stack errands together so your not wasting bus/diesel on multiplayer trips
Dust and bleed your radiators to keep them working well. |
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By *iscuits8Man
over a year ago
Meath / Dublin / Birmingham |
Probably obvious but whatever you intend to save each month, transfer it straight away on payday, not at the end.
Transfer is to an 'awkward' account. I have used a 21-day saver account in PTSB - meaning I had to give 21 days' notice to access the funds. I save now in the credit union - I have no ATM card for this so I know I can't withdraw funds spur of the moment, and apart from online I can only access it during working hours.
Clothes - when I need clothes/runners, I shop a bit on sites like MandMdirect, GetTheLabel etc, and in store in TK Maxx - same brand names as high street shops and same quality.
Utilities - shop around with a view to switching every time you're out of contract. I know from working for one of them in the past, people are not arsed and just tend to let contracts roll to have hassle.
A lot of people tend to even let their car insurance roll over - I find this nuts, the disparity is some quotes is unbelievable. I contact plenty of providers in the weeks leading up to my renewal - it's time consuming, although easier now that it's all online forms - but I saved €200 this year on it by switching from my provider for the past 6 years.
TV packages can be grossly overpriced. There are more options - and not just the dodgy/illegal ones. Have a look at what channels you actually regularly watch. If it's mainly your RTE, Virgin, BBC, ITV, C4 etc, you may not need a Sky/Eir package and instead get a combo box with Freesat/Freeview & Saorview. No bills and perfectly legal. For those that watch sports only every now and again, the likes of NowTV do day/monthly passes for Sky Sports/BT. Broadband - check your typical monthly usage and see do you really need what you have, you could well be paying for usage and speeds you don't really need and could bring that bill down from a €60/70 package to a €35/40 package.
Well that's all I can think of for now! |
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By (user no longer on site)
over a year ago
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"Probably obvious but whatever you intend to save each month, transfer it straight away on payday, not at the end.
Transfer is to an 'awkward' account. I have used a 21-day saver account in PTSB - meaning I had to give 21 days' notice to access the funds. I save now in the credit union - I have no ATM card for this so I know I can't withdraw funds spur of the moment, and apart from online I can only access it during working hours.
Clothes - when I need clothes/runners, I shop a bit on sites like MandMdirect, GetTheLabel etc, and in store in TK Maxx - same brand names as high street shops and same quality.
Utilities - shop around with a view to switching every time you're out of contract. I know from working for one of them in the past, people are not arsed and just tend to let contracts roll to have hassle.
A lot of people tend to even let their car insurance roll over - I find this nuts, the disparity is some quotes is unbelievable. I contact plenty of providers in the weeks leading up to my renewal - it's time consuming, although easier now that it's all online forms - but I saved €200 this year on it by switching from my provider for the past 6 years.
TV packages can be grossly overpriced. There are more options - and not just the dodgy/illegal ones. Have a look at what channels you actually regularly watch. If it's mainly your RTE, Virgin, BBC, ITV, C4 etc, you may not need a Sky/Eir package and instead get a combo box with Freesat/Freeview & Saorview. No bills and perfectly legal. For those that watch sports only every now and again, the likes of NowTV do day/monthly passes for Sky Sports/BT. Broadband - check your typical monthly usage and see do you really need what you have, you could well be paying for usage and speeds you don't really need and could bring that bill down from a €60/70 package to a €35/40 package.
Well that's all I can think of for now!"
Solid advice right here  |
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By *og-Man OP Man
over a year ago
somewhere |
The problem with any service provider in Ireland is that the more money you have the less things cost you
Car tax... pay in one lump sum is cheaper than 4 separate tax discs
Electricity and Gas
Pay by direct debit,paperless bills and get 30 % off the unit price
Pay via smart meter and it's more expensive
Car insurance ...you negotiate a great discounted price that goes back up if you dont pay in one go |
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By *scouple07Couple
over a year ago
louth, Ireland |
I'm terrible with saving if I had money in my hand, we now use Revolut and I can budget my spending each week and it also has a savings (vault) where you can set your change from purchases to go, managed to save a fair bit in so far, just an idea
Mr Gs |
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By *og-Man OP Man
over a year ago
somewhere |
"Turn off the immersion!!
Still shout that at my kids
Immersions turn themselves off once the cylinder is up to temperature. "
In my house the kids might turn it on to wash the dog in the summer
40 mins later when it sounds like a volcano I usually shout it
Do the old cylinders from the 80's switch themselves off |
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By (user no longer on site)
over a year ago
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"Stop buying your lunches at deli counters and the like, prepare it at home and bring it with you. Cheaper and tastes better"
No, no, call to visit friends at lunchtime |
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"Stop buying your lunches at deli counters and the like, prepare it at home and bring it with you. Cheaper and tastes better
No, no, call to visit friends at lunchtime "
Get the kettle on in that case I should be there around lunchtime |
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By (user no longer on site)
over a year ago
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"Stop buying your lunches at deli counters and the like, prepare it at home and bring it with you. Cheaper and tastes better
No, no, call to visit friends at lunchtime
Get the kettle on in that case I should be there around lunchtime"
Sorry, at work today  |
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"Stop buying your lunches at deli counters and the like, prepare it at home and bring it with you. Cheaper and tastes better
No, no, call to visit friends at lunchtime
Get the kettle on in that case I should be there around lunchtime
Sorry, at work today "
Noooo the disappointment :’( |
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By (user no longer on site)
over a year ago
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If you have good internet speeds get rid of your sky/air subscriptions and get yourself a firestick. So easy to use and lots of great deals for getting the same subscription channels for alot less! |
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vinegar and bi carb soda are actually better than any flash or the like.
If you like febreeze get the the tesco smelly pebble things that you put in the washing machine and put a small scoop in a spray bottle with hot water and leave to dissolve and voila febreeze smell without the price tag |
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By *sexyoneWoman
over a year ago
Northside |
Starve yourself you save on food
Dont shower u save on water
Live in dark you save on electricity
Just dont have a life and live miserble
When u die your money dont go to the grave with you
So enjoy life now and spend as much money on you as u can life to short  |
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By (user no longer on site)
over a year ago
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First step is to find exactly where your wasted money is going.
Set up Revolut and use only Revolute for every purchase for a month.
Then look at your monthly stats to see exactly where your money is going.
In general, most people have no idea where money is being wasted.
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By (user no longer on site)
over a year ago
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"First step is to find exactly where your wasted money is going.
Set up Revolut and use only Revolute for every purchase for a month.
Then look at your monthly stats to see exactly where your money is going.
In general, most people have no idea where money is being wasted.
"
Agree with you.
We had a talk a few times with friends and some did not realise how much money they have spent for the things they don't really need.
I think some banks also have the extra feature re income and expenses to monitor them.
I use Excel and do the shopping list for next week every Friday
Its lockdown, so I dont need n - pair of shoes, or a new dress. Many people became addicted from online shopping.
We need savings for the future event as we do not know what may happen tomorrow. Today we have well paid job, healthy and next week person may lose everything in the fire, car accident, etc
My granny used to say better to be prepared on every occasion than cry.
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By (user no longer on site)
over a year ago
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Mr BogM a few great tips have been given.
I can only add that managing finances now can save people lives with less drama. Of course we wouldnt bring all the money with us to grave so yes living the life as we want has to be applied there but with the dose of responsibility of thinking about future.
I have noticed lots of people live hedonistic live and when accident happens they blame everyone except themselves 
There must be a balance |
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