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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

Don't have kids

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By (user no longer on site)
over a year ago

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 *ealitybitesMan
over a year ago

Belfast

Delete your site supporting fab account

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By *j47Man
over a year ago

limerick

Marry your right hand

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By (user no longer on site)
over a year ago

You've got 3 days left to bail out before valentines days save a fortune

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By (user no longer on site)
over a year ago

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 (user no longer on site)
over a year ago

Teach your children the value of always bumming a lift from their friends' parents instead of wasting your diesel.

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By *mooth Operator 07Man
over a year ago

in the deep mist of the valleys

Go on Martin Lewis website, brilliant way to reduce your outgoing cost.

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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

Go vegan and claim the moral high ground as a bonus

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By *og-Man OP   Man
over a year ago

somewhere


"Delete your site supporting fab account"

I was going to suggest using the silver one only RB

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By *og-Man OP   Man
over a year ago

somewhere


"Go vegan and claim the moral high ground as a bonus"

But only if you tell everyone

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By *ealitybitesMan
over a year ago

Belfast


"Delete your site supporting fab account

I was going to suggest using the silver one only RB"

I've never used anything else

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By (user no longer on site)
over a year ago


"Go vegan and claim the moral high ground as a bonus

But only if you tell everyone "

Well, natch

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By *ealitybitesMan
over a year ago

Belfast

BOGOF

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By *ealthy_and_HungMan
over a year ago

Princes Risborough, Luasanne, Alderney

avoid paying LPT by turning your spare room into a starbucks

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By *og-Man OP   Man
over a year ago

somewhere


"BOGOF "

Banned now as far as I know

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By (user no longer on site)
over a year ago

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

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 (user no longer on site)
over a year ago

Turn down the thermostat, cancel the gym membership, run and chop firewood instead.

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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 *iscuits8Man
over a year ago

Meath / Dublin / Birmingham

+1 for the meal plan mentioned above too. For a while I was throwing out silly amounts of food waste and spending needless money on it.

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By *layfullsamMan
over a year ago

Solihull

Glue carpet to the bottom of a pair of slippers to save having to carpet the whole house

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By (user no longer on site)
over a year ago


"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 *usietranslutTV/TS
over a year ago

carlow

Turn off the immersion!!

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By *og-Man OP   Man
over a year ago

somewhere


"Glue carpet to the bottom of a pair of slippers to save having to carpet the whole house"

Genius

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By *oo32Man
over a year ago

tipperary

Eat someone else's lunch,thumb everywhere,only use one lightbulb in the whole house

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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 *og-Man OP   Man
over a year ago

somewhere


"Turn off the immersion!!"

Still shout that at my kids

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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 *eralt80Man
over a year ago

cork


"Turn off the immersion!!

Still shout that at my kids "

Immersions turn themselves off once the cylinder is up to temperature.

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By *eralt80Man
over a year ago

cork

Stop buying your lunches at deli counters and the like, prepare it at home and bring it with you. Cheaper and tastes better

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By *kblueeyesCouple
over a year ago

kilkenny

Don't download amazon

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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 *og-Man OP   Man
over a year ago

somewhere


"Don't download amazon "

Is that not meant to save you money....or do you just go mad buying stuff

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By (user no longer on site)
over a year ago


"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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By *eralt80Man
over a year ago

cork


"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


"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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By *eralt80Man
over a year ago

cork


"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

Take the batteries out of the clocks before leaving for work . Change time and reinsert batteries when you get back .

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By *og-Man OP   Man
over a year ago

somewhere


"Take the batteries out of the clocks before leaving for work . Change time and reinsert batteries when you get back . "

They'd last forever in fairness

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By (user no longer on site)
over a year ago

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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By *rmrs1234Couple
over a year ago

Waterford

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 *oghunter33Woman
over a year ago

on the hill NordWest of

Get your mum to send you food parcels packed with continental specialities.

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By *ardyboy54321Man
over a year ago

Fermanagh

Keep your hands in your pockets

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By (user no longer on site)
over a year ago

Talk to someone from Cavan!! (**joke ** sorry to cavan people, you know we love you!)

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By *ildAtlanticSecretCouple
over a year ago

around Clare, Galway, Limerick

If you can't afford to buy it twice you can't have it ,stick with that and you are golden

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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

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

Don't eat,problems solved...

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By (user no longer on site)
over a year ago


"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

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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By *layfullsamMan
over a year ago

Solihull

Turn an empty crisp packet inside out and you've got a flavoured condom and had a tasty snack

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By *og-Man OP   Man
over a year ago

somewhere


"Turn an empty crisp packet inside out and you've got a flavoured condom and had a tasty snack "

Ready salted

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By *OHN AND ALEXCouple (MM)
over a year ago

kildare


"Don't have kids"

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By *layfullsamMan
over a year ago

Solihull

Alternate wearing the left shoe one day and the right one the next, it doubles the life of each pair

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