FabSwingers.com forum: Money saving tips

By *astello OP Woman
1 week ago

Far far away

Want to share your top money saving tips.

Cavan people don't need to post.

1. Nightmare electric

2. Spare coffee cup in car, saves going in, take it to go.

3. Electric clothes horse . Great indoor drying

4. Grow your own plants from seeds

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By *og-ManMan
7 days ago

somewhere

Best ones I could give anyone

Change your electricity/ Gas / car insurance/ phone package every single year

Phone....go sim only on 30 day contract ...its much cheaper that paying for your phone package every month

Everything else....don't pay standard package for anything

It's so much cheaper to get the max discount by checking a website like Bonkers to do the comparison

You can save over a thousand a year

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By *outhDublinMan86Man
7 days ago

shankill

1. Pay yourself first. Second you get paid money goes into savings.

2. Batch cook

3. Save condiments/hotel toiletries for home use.

4. Use a “free” bank to save on fees

5. Change your utilities every year without fail. New customers get all the discounts. You’re considered a new customer after 18 months so you can go back to a previous supplier.

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By *r_Insatiable666Man
7 days ago

Cork

Local Co-ops can sometimes do good prices on fuel. Avoid takeaway when you can, a pizza is maybe 6 euro depending on your taste, a takeaway pizza could be double.

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By *og-ManMan
7 days ago

somewhere

A really simple way of saving money if you lose your phone

Make sure you have a find your phone app switched on so you can log onto a friends phone to find it

Make sure you have the emergency number on your phone on the lock screen

If it's lost and found whoever finds it can ring the emergency number to help find you

Can save you having to replace your phone and credit cards

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By *adyKarmennTVTV/TS
7 days ago

Dublin

"Want to share your top money saving tips.

Cavan people don't need to post.

1. Nightmare electric

2. Spare coffee cup in car, saves going in, take it to go.

3. Electric clothes horse . Great indoor drying

4. Grow your own plants from seeds "

Cavan people hahahahaha!!!!!!! Surely they have all the tips

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By *lue eyesMan
7 days ago

cavan

We're learning here from the kerriii people.

Sure you can't bate a cute kerry hure 🤣🤣

I drive a good bit for work so a diesel card is a must.

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By *ornywife20Couple
7 days ago

North Cork

Avoid getting married and having kids,

You will be a,millionaire in a few,years.

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By *ofistimacatedMan
7 days ago

cavan town

1 use your neighbours WiFi.

2 use your neighbours lawnmower

3 visit your neighbours regularly, specifically around lunchtime and dinnertime

I'm originally a nordy. Just a blow in. so I, of course, would never do these things 🤣

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By *astello OP Woman
7 days ago

Far far away

Great tips. Cavan people only lurking for more ideas....

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By *outhDublinMan86Man
7 days ago

shankill

"Great tips. Cavan people only lurking for more ideas....

"
poor Cavan but they bring it on themselves

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By *0kc00Man
7 days ago

cork

Save money on sex toys.

A smarties tube filled with angry wasps can be an inexpensive vibrator.

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By *lue eyesMan
7 days ago

cavan

Actually in a recent survey results showed that cavan people know how to enjoy life and spend more on socialising than anyone else's .

It was in the paper so it has to be true 😝😝

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By *oo32Man
7 days ago

tipperary

Sim only deals

Shop around for insurance

Stop the garage coffees

Batch cook

Eat less

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By *INTMan
7 days ago

Minutes from Somewhere Else

No particular order, just what came to mind.

1. Make a budget. Stick to it. Review it regularly & update as necessary.

2. 50/30/20 rule.

3. Limit luxuries but don't go entirely without - you'll lose heart.

4. Shop at Lidl/Aldi. Great quality, variety & less expensive.

5. Favour quality when possible ("boot economics").

6. Limit going out. Pints are bloody expensive!

7. "Game-ify" your savings - set targets & hit them.

8. Shop around for better deals. Switch providers when you do find a better deal.

9. Make use of coupons/discounts/vouchers.

10. Limit meat intake & increase fruit/veg intake. Start with "Meat Free Monday".

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By *traight funMan
7 days ago

kells

Keep your dinner in a draw.

Peel a orange in your pocket.

Hang used teabags on the clothes line.

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By *electableicecreamMan
7 days ago

The West

If you have more than one child you can alternate the days you need them on

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By *iscuits8Man
7 days ago

Meath / Dublin / Birmingham

"50/30/20 rule."

Oh yeah I live by the 50/30.20 rule

50 pints

30 breakfast rolls

20 chippers

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By *ildfire MiaWoman
7 days ago

Dublin

Drink your morning coffee at home.

Don't go grocery shopping when you're hungry.

Make a shopping list (make sure you take it with you, don't buy anything off the list).

Don't take children shopping.

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By *ildfire MiaWoman
7 days ago

Dublin

000000000

Smile because a large sum of money is coming to you just after 5 days, 18 minutes and 33 seconds if you save this post now

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By *exyScientistsCouple
7 days ago

Castlebar

"Actually in a recent survey results showed that cavan people know how to enjoy life and spend more on socialising than anyone else's .

It was in the paper so it has to be true 😝😝"

Did you buy the paper? Or just read it in the shop and put it back on the shelf???? 🤣

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By *asual777Man
7 days ago

i travel all over

Consider if the insurance you are taking out is really needed

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By *ortfadda_ladMan
7 days ago

carrick on shannon

Hide under the bed & never come out...

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By *asual777Man
7 days ago

i travel all over

Coffee machine at work and home

Packed lunches with good ingredients

Don’t overpay for cars . Most of the extra cost is about your ego and they don’t keep their value unlike houses in the long term

Consider what’s an asset and what is a liability

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By *he boy next door300Man
7 days ago

MAGHERAFELT

Join your local library and use it. An hour in it means you not doing something else!!

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By *lue eyesMan
7 days ago

cavan

"Actually in a recent survey results showed that cavan people know how to enjoy life and spend more on socialising than anyone else's .

It was in the paper so it has to be true 😝😝

Did you buy the paper? Or just read it in the shop and put it back on the shelf???? 🤣"

☺️☺️

Your on fire this morning 🤣🤣

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By *ionycusMan
7 days ago

Babylon

Buy whole chickens not breasts

Fill your tank when the price drops

Don't go to the supermarket whilst hungry

Avoid two for one deals if you weren't planning on buying them

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By *onnachakeaneMan
7 days ago

Dundrum

I’ve switched my mortgage x3 times and availed of the free 3% tax cash back x3 times with each move…. Negotiate a better rate and while doing a mortgage is not fun when switching you’re not under a deadline and if you get a decent broker they will do the work for you…….. Avant also launched a new Tracker mortgage and Revolut. About to enter Irish mortgage market too… watch this space but substantial savings potentially to be made over lifetime……

Also over pay mortgage if you can… eg €250 extra pm goes off capital and if you find an over payment calculator online this extra payment can result in tens of thousands of savings over term (due to interest compounding)

review your protection needs you may be over covered or under covered companies like Royal London now price match via Brokers…. Do a review and potentially get more cover for less…..

Finally set up a good investment account… get any spare cash savings out of Bank/Credit Union… pay in even €100 pm and invest in stock market funds…. Get a financial advisor to help you… grows tax free and again growth and compounding over eg 10-15 year period builds up a substantial fund compared to savings accounts….. set a goal, kids college, pay off mortgage early etc….. if you get a pay rise in work use at minimum 50% to pay either into your pension (tax efficient) or use the net amount to increase savings or mortgage over payment……

Your future self will thank you x

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By *onnachakeaneMan
7 days ago

Dundrum

On a lighter note I think Circle K coffee machines do single espresso shots…

I used to select Americano and while water being filled hold it aside and leave room for additional espresso shot…. Sneak the shot in and pay for the loaded Americano

What a rush 😆🤣😆🤣😂

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By *educing_EmCouple
7 days ago

Tipperary

Always do a search for discount codes before buying something online.

No spend week every couple months.

Eat from your freezer and presses, only buy essentials.

As said above, change providers every year or ring your current ones and ask for a better deal as you're thinking of switching to someone else.

I cut up old clothes and use as rags for cleaning rather than buying more cloths and kitchen paper. Fire them into the wash and go again.

Sim only plans or pay as you go depending on your needs.

If you're with Vodafone, download the app, they give loads of discount codes for different sites , days out cinema etc.

Plan your meals and make a list. Check for deals on meat and veg beforehand.

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By *ofistimacatedMan
7 days ago

cavan town

"On a lighter note I think Circle K coffee machines do single espresso shots…

I used to select Americano and while water being filled hold it aside and leave room for additional espresso shot…. Sneak the shot in and pay for the loaded Americano

What a rush 😆🤣😆🤣😂"

Stealing? Classy

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By *electableicecreamMan
7 days ago

The West

You can fit two flat whites into a large coffee cup in most garages.

#stayclassy

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By *onnachakeaneMan
7 days ago

Dundrum

Where do you find discount codes? Is there a website you use?

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By *onnachakeaneMan
7 days ago

Dundrum

Haha another small win over the giant Corporations 😆

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By *educing_EmCouple
7 days ago

Tipperary

"Where do you find discount codes? Is there a website you use?"

Not particularly, I just put the name of the site I'm wanting to buy from them discount code, the month and the year.

For example lovehoney discount code March 2025.

You'd be surprised how often you'll find codes

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By *ardyboy54321Man
7 days ago

Fermanagh

Keep it under the mattress

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By *educing_EmCouple
7 days ago

Tipperary

"Keep it under the mattress

Said like a true Cavan farmer 🫰

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By *og-ManMan
7 days ago

somewhere

"You can fit two flat whites into a large coffee cup in most garages.

#stayclassy"

Some garages now have camera's over the machines and others sent a code to the till

You can fit 3 into a large cup in some places

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By *omcatLynxminxCouple
7 days ago

Kilkenny / Midlands Eire

Use a dehumidifier for drying clothes instead of a tumble dryer.

Consider a smart meter time of use plan if you can use dishwasher and washing machine at night time rates (11pm to 8am)

Buy heating oil in summer when normally a lower price

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By *antra MassageMan
7 days ago

Dublin and midlands

Shower with a friend..or two. Saves on hot water.

Use t bags twice.

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By *ewcouplesdCouple
7 days ago

Dublin

Stop going to events!!

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By *onnachakeaneMan
7 days ago

Dundrum

Cool thanks..

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By *ipstick KissesWoman
7 days ago

Newry

Make sure your children get a full time job when they leave school instead of going to university, especially one in England.

If they MUST go, make sure it's within walking distance of home.

If they MUST go to the GB mainland, once they leave, block them from contacting you on all platforms.

Obviously I jest. Kinda

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By *og-ManMan
7 days ago

somewhere

When staying overnight at socials don't book a hotel room

There's always someone with a spare bed

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By *0kc00Man
7 days ago

cork

"Make sure your children get a full time job when they leave school instead of going to university, especially one in England.

If they MUST go, make sure it's within walking distance of home.

If they MUST go to the GB mainland, once they leave, block them from contacting you on all platforms.

Obviously I jest. Kinda

Yes, definitely block them from contacting you on fabswingers...

....awkward

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By *exyScientistsCouple
7 days ago

Castlebar

"When staying overnight at socials don't book a hotel room

There's always someone with a spare bed

You offering 🤔🤣

Sounds like you've a post party party on your hands.

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By *oxic1998Woman
7 days ago

Belfast

Don't buy/wear knickers.....buying half the set is cost effective plus less washing

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By *man1044Man
7 days ago

North Galway

Hang out tea bags and condoms use them again..

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By *electableicecreamMan
7 days ago

The West

"You can fit two flat whites into a large coffee cup in most garages.

#stayclassy

Some garages now have camera's over the machines and others sent a code to the till

You can fit 3 into a large cup in some places

This man coffee's

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By *r_Insatiable666Man
7 days ago

Cork

Don't buy Dolmio or branded sauces. You can make your own for way cheaper. Cooked meats are overpriced shite. Make baking at home if you really crave baked goods. Add more vegetables to make your dinners more filling.

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By *ardyboy54321Man
7 days ago

Fermanagh

"Keep it under the mattress

Said like a true Cavan farmer 🫰"
lol im on the border so I'm not quite as bad as downtown cavan lol I do buy the odd coffee like

might even stretch to an aul scone

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By *ooking2099Man
7 days ago

cork

Air tight containers, great for storage of thing like soda bread, helps keep them fresh longer. Always make a shopping list and as been said before, dont shop hungry

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By *ursecretmischiefCouple
7 days ago

The West

"You can fit two flat whites into a large coffee cup in most garages.

#stayclassy

Some garages now have camera's over the machines and others sent a code to the till

You can fit 3 into a large cup in some places

This man coffee's "

Jeez, and here's ne thinking putting a large Americano into the regular cup was pushing it!!😂

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By *og-ManMan
7 days ago

somewhere

"You can fit two flat whites into a large coffee cup in most garages.

#stayclassy

Some garages now have camera's over the machines and others sent a code to the till

You can fit 3 into a large cup in some places

This man coffee's

Jeez, and here's ne thinking putting a large Americano into the regular cup was pushing it!!😂"

Sometimes they mess about with the machines and a large coffee will fit into a medium cup

I usually pour it out of the large cup and into a medium and only pay for a medium ...

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By *herest KhanMan
7 days ago

The Jungle

"You can fit two flat whites into a large coffee cup in most garages.

#stayclassy

Some garages now have camera's over the machines and others sent a code to the till

You can fit 3 into a large cup in some places

This man coffee's

Jeez, and here's ne thinking putting a large Americano into the regular cup was pushing it!!😂

Sometimes they mess about with the machines and a large coffee will fit into a medium cup

I usually pour it out of the large cup and into a medium and only pay for a medium ..."

This drives me mad. Was in hospital for a while and the large only filled the medium. And then 1 day it randomly went back to actually being a large.

Couldn't do your trick though because the machine was right beside the till.

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By *ipstick KissesWoman
7 days ago

Newry

"You can fit two flat whites into a large coffee cup in most garages.

#stayclassy

Some garages now have camera's over the machines and others sent a code to the till

You can fit 3 into a large cup in some places

This man coffee's

Jeez, and here's ne thinking putting a large Americano into the regular cup was pushing it!!😂

Sometimes they mess about with the machines and a large coffee will fit into a medium cup

I usually pour it out of the large cup and into a medium and only pay for a medium ..."

We'd give you another one for free if your cup was short-filled

#notallheroeswearcapes

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By *og-ManMan
7 days ago

somewhere

"You can fit two flat whites into a large coffee cup in most garages.

#stayclassy

Some garages now have camera's over the machines and others sent a code to the till

You can fit 3 into a large cup in some places

This man coffee's

Jeez, and here's ne thinking putting a large Americano into the regular cup was pushing it!!😂

Sometimes they mess about with the machines and a large coffee will fit into a medium cup

I usually pour it out of the large cup and into a medium and only pay for a medium ...

We'd give you another one for free if your cup was short-filled

#notallheroeswearcapes"

The next time I'm driving down from Belfast I'll call in

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By *ueen_MeadhbhWoman
7 days ago

sligo

Csncel all streaming services.

Sign up for one and pay for the month, cancel the subscription you still get the service for a month. Watch all on one service. Than alternate the services.

If you have revolut, set up a vault to save money in. You can divert a % of what you spend it adds up quick enough.

I moved all my banking to my credit union, set up a budget account , a certain amount comes out of my salary at source and into the budget account covers all my bills

What goes into my main account is my spending money. Best move I've made.

I do a food plan on a Sunday and make dinners Sunday evening batch cook and freeze the extras.

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By *ex coupleCouple
7 days ago

wexford

"Avoid getting married and having kids,

You will be a,millionaire in a few,years.

Stop imagine all the extra dosh you’d have

Yad be stinking rich

Constant handouts

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By *astello OP Woman
6 days ago

Far far away

Wow... excellent tips there except for the reuse tea bags and condoms.

Loving the coffee trick. I'm a flat white fan and it's costing me a mortgage now for my caffeine intake.

Certa do cheap fuel. Tesco

Buy a subscription for a newspaper online. Much cheaper, less waste.

Shop around for mobile network, insurance deals.

Cavan people are really lovely.. coffee date was a flask n ham sandwiches in tinfoil...really....🤣🤣

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By *ezoMan
6 days ago

The Kingdom

Carpool and have passengers chip in for fuel.

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By *dfabMan
6 days ago

Dunboyne

Buy a DeLonghi bean to cup coffee machine for home and Lavazza Cream e Aroma beans in 5 X 1Kg bags for free delivery from best prices you can get.

The 300e machine has lasted me 10yrs and the Bodum Travel mug means it stays hot for 2hrs+

Saves you a fortune and keeps you drinking great coffee

Bodum 11068-01 Vacuum Travel Mug, 0.35 L - Small, Black, S (Pack of 1) https://amzn.eu/d/4fpwBrJ

https://www.currys.ie/products/delonghi-magnifica-s-ecam250.33.tb-bean-to-cup-coffee-machine-titanium-black-10237053.html

https://cafedujour.ie/lavazza-expert-crema-aroma-coffee-beans-1kg

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By *e MasseurMan
6 days ago

Buy your food in bulk when on sale and store it. You save money, beat inflation and have some supplies in case of a food shortage.

Leave your card at home and carry cash.

Many stores give away pallets, that's free firewood.

Take food with you when going to the beach, park, etc.. It will avoid you from buying it.

Make your own wine/mead, it's delicious, cheap and you know exactly what you're drinking. You can also infuse it with anything you like.

Heat 2 litres of milk until 80°C (or until it's hot to the touch), don't boil it! Put it in a bowl, let it cool for about 5 min, add one tbsp of natural yogurt, cover it and let it rest overnight inside your oven. You'll have a great yogurt next morning. Keep repeating the process.

Masturbate, don't pay for it

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By *dfabMan
6 days ago

Dunboyne

Make your own beer.

Mangrove Jacks is so simple to make.

Kit can be got for 30-50e and then the MJ pouches for about 30e.

Works out about 1e a pint for the first 3mths, then 80c a pint after that, as kit has paid for itself

Warning! You'll become a bit of a beer snob and be unable to drink a lot of what's served in average Irish pubs. You've been warned

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By *dfabMan
6 days ago

Dunboyne

"Make your own beer.

Mangrove Jacks is so simple to make.

Kit can be got for 30-50e and then the MJ pouches for about 30e.

Works out about 1e a pint for the first 3mths, then 80c a pint after that, as kit has paid for itself

Warning! You'll become a bit of a beer snob and be unable to drink a lot of what's served in average Irish pubs. You've been warned

Just to save you time, these are some of the best imho:

https://www.geterbrewed.com/mangrove-jacks-craft-series-hazy-ipa/

https://www.geterbrewed.com/mangrove-jacks-craft-series-mango-pale-ale/

https://www.geterbrewed.com/mangrove-jacks-juicy-session-ipa/

And the minimal kit

https://www.geterbrewed.com/brew-kit-essentials/

Happy brewing

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By *lack FridayMan
6 days ago

Galway

"We're learning here from the kerriii people.

Sure you can't bate a cute kerry hure 🤣🤣

I drive a good bit for work so a diesel card is a must. "

Shop around with the diesel cards - some are better value than others and update prices more often

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By *lack FridayMan
6 days ago

Galway

I drive quite a bit, but always stop after 90 mins to stretch etc. I have cut out two coffees a day and often a scone or bar of chocolate.

Instant savings of nearly 100/week which I am putting to one side every week.

Make you own yoghurt - Lidl/Aldi sell the makers from time to time. One litre of milk makes one litre of yoghurt.

If you have good quality shoes, find a good old fashioned cobbler and get them re-soled, fixed etc

Challenge the car insurance renewal annually - a simple phone call can knock a substantial amount off the quote.

If you drive a lot for yourself, buy an older quality reliable diesel car and keep it serviced. Only use quality oil in engine, gearbox and differential.

Use a diesel card but shop around for best deals.

The saving in depreciation having an older car far exceeds the higher road tax etc. My 3k car now has 500k km. Depreciation on new or fresh cars is like having a mortgage and is a silent killer.

Staying on cars. My car tyre size is the same as many van tyre sizes. I use van tyres only now. Much longer lasting, higher weight load rating hence more plies and are almost 50% cheaper than the equivalent car version.

I don't and never will use low profile tyres, they wreck your suspension. Higher sidewall tyres are so much more comfortable and cheaper.

I only ever turn the heating on when actually in the house (live alone).

I dry all my laundry on a clothes horse - normally drawer dry within 24 hrs.

Shop around for broadband and phone bundles. I have two mobiles (work and private) plus broadband at home for less than what I was paying three years ago for just one phone.

Both phones are sim only.

I was looking to buy a new Apple tablet -new price was over 2k.

Happened to spot a one year old for sale locally for 1k. Got it checked out - perfect - and it came with a case and some extra software.

It is often the small weekly things that add up.

By reducing my coffee and nibbles intake, I am saving 1k/annum in after tax income and health wise, hopefully the better for it.

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By *lack FridayMan
6 days ago

Galway

Should read 5k coffee savings etc

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By *rbubbleMan
6 days ago

wild west sligo mayo roscommon

Tip

LIVE YOUR LIFE you don’t know what tomorrow brings can’t take your money with you

Get that cup of coffee

Book that holiday

Go on that night out

Just enjoy the ride of living life

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By *ursecretmischiefCouple
6 days ago

The West

The same people that spread the notion of avoiding coffee, nights out with friends and enjoying nice things are the same fuckers that will try and tell you trickle down economics works.

They're the same ones lobbying for tax breaks while telling young people to stop eating avocado on toast if they want to buy a house.

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By *rbubbleMan
6 days ago

wild west sligo mayo roscommon

"The same people that spread the notion of avoiding coffee, nights out with friends and enjoying nice things are the same fuckers that will try and tell you trickle down economics works.

They're the same ones lobbying for tax breaks while telling young people to stop eating avocado on toast if they want to buy a house. "

👏👏👏 couldn’t say it better myself

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By *hunkyRedPandaMan
6 days ago

City

I'd love to batch cook, but in my housing situation, I've no room in the communal fridge.

There's this article from the beeb(can't say bbc or people get the giggles *sniggers*)

https://www.bbc.com/reel/video/p0g6q7wd/kakeibo-the-japanese-art-of-saving-money

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By *ilthyNightsCouple
6 days ago

East / North, Cork

Go food shopping with meals planned out

Don't go shopping hungry

Turn your thermostat down

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By *ildatlanticMan
6 days ago

maspalomas

I’m from Cavan but I charge a consultant fee.

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By *eekyNerdMan
6 days ago

Port

If getting a hotel room, arrange it with two other people (not a couple).

Cost is split 3 ways and.......

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By *lack FridayMan
6 days ago

Galway

"I’m from Cavan but I charge a consultant fee. "

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By *lovesx43Man
6 days ago

Tralee

Don't pay car insurance

Don't pay car tax

Download Waze

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By *dfabMan
5 days ago

Dunboyne

"Don't pay car insurance

Don't pay car tax

Download Waze "

I think the fines and possible prison outweigh the savings here

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By *ornywife20Couple
5 days ago

North Cork

Saving money is good but christ there are some mean miserable bastards on here .

The biggest surprise is they aren't all from Cavan either.

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By *astello OP Woman
5 days ago

Far far away

I definitely learned a few new things here.

Never knew l could get a diesel card

Yoghurt DIY

Cavan people are very special.

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By *outhDublinMan86Man
5 days ago

shankill

"I definitely learned a few new things here.

Never knew l could get a diesel card

Yoghurt DIY

Cavan people are very special.

I’d love to know how the Cavan people are right story originated from? Probably Tommy Tiernan sketch or similar.

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By *reetogoodhomeMan
5 days ago

Hereandthere

"Avoid getting married and having kids,

You will be a,millionaire in a few,years.

Nawww, kids change your life , absolutely , your life is never your own when they arrive l know that ..but money or Kids ??... Kids everytime, you could reach a certain age & win the lottery but at that age you may never be able to have kids...money is the root of all evil.

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By *ursecretmischiefCouple
5 days ago

The West

"I definitely learned a few new things here.

Never knew l could get a diesel card

Yoghurt DIY

Cavan people are very special.

I’d love to know how the Cavan people are right story originated from? Probably Tommy Tiernan sketch or similar. "

It's much older than that.

Niall Toibin used it regularly 60-70 yrs ago!

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By *lack FridayMan
4 days ago

Galway

"I definitely learned a few new things here.

Never knew l could get a diesel card

Yoghurt DIY

Cavan people are very special.

With most of the better diesel cards you need to be doing a decent mileage. But any of them will give you a saving over the pump price.

However I have noticed the odd time that the local guy, who has always been competitive, beats the card price.

If you are in business, even for yourself, and VAT registered you can reclaim the Vat which at 23% is a big saving.

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By *ORDERMANMan
4 days ago

wrexham

To raise cash..

End of day put one of each coin in your pocket into a a jar..

You've still got change for tomorrow..

You'll be surprised how quick jar fills..

Endd of the week I sort out the more valuable coins into another jar..

Over 100 by end of month..

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By *ildatlanticMan
4 days ago

maspalomas

If she’s not tight, she’s not right!!! Up Cavan and up riding!!!!

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By *otownkid1967Man
4 days ago

Portlaoise

I put all my change in a jar every night. Usually end up with €120 to €150 a month. This pays my electricity, heating oil , turf and firewood for the year and still money left over.

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By *ildAtlanticSecretCouple
2 days ago

around Clare, Galway, Limerick

Stick to the principal if you can't buy it twice you can't buy once,

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By *artyHardMan
2 days ago

North Coast

Biggest saving hack I have come across is overpaying your mortgage. No matter how little each month any amount you overpay comes off your capital so you can take years off your mortgage term. Granted you have to be able to afford doing so. Stop paying for showy things like flash cars and put the money into over you g your mortgage. You’ll see a massive difference in a few years

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By *inkywife1981Couple
2 days ago

A town near you

"Local Co-ops can sometimes do good prices on fuel. Avoid takeaway when you can, a pizza is maybe 6 euro depending on your taste, a takeaway pizza could be double. "

Price of groceries is mental. Our kids will only eat the goodfella or Chicago town frozen pizza which coat around 6 euro whereas out local chipper does a 12 inch margarita for 8 euro

I use chill for all my insurances as they tend to get the cheapest quotes and do a discount for multi policies

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By *inkywife1981Couple
2 days ago

A town near you

"No particular order, just what came to mind.

1. Make a budget. Stick to it. Review it regularly & update as necessary.

2. 50/30/20 rule.

3. Limit luxuries but don't go entirely without - you'll lose heart.

4. Shop at Lidl/Aldi. Great quality, variety & less expensive.

5. Favour quality when possible ("boot economics").

6. Limit going out. Pints are bloody expensive!

7. "Game-ify" your savings - set targets & hit them.

8. Shop around for better deals. Switch providers when you do find a better deal.

9. Make use of coupons/discounts/vouchers.

10. Limit meat intake & increase fruit/veg intake. Start with "Meat Free Monday".

No.4 : we actually find Dunnes stores cheaper now for shopping esp with the vouchers you get for every 50 you spend

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By *inkywife1981Couple
2 days ago

A town near you

"I’ve switched my mortgage x3 times and availed of the free 3% tax cash back x3 times with each move…. Negotiate a better rate and while doing a mortgage is not fun when switching you’re not under a deadline and if you get a decent broker they will do the work for you…….. Avant also launched a new Tracker mortgage and Revolut. About to enter Irish mortgage market too… watch this space but substantial savings potentially to be made over lifetime……

review your protection needs you may be over covered or under covered companies like Royal London now price match via Brokers…. Do a review and potentially get more cover for less…..

Your future self will thank you x "

Have considered switching mortgage provider but thought we would incur legal fees?

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By *otownkid1967Man
2 days ago

Portlaoise

"No particular order, just what came to mind.

1. Make a budget. Stick to it. Review it regularly & update as necessary.

2. 50/30/20 rule.

3. Limit luxuries but don't go entirely without - you'll lose heart.

4. Shop at Lidl/Aldi. Great quality, variety & less expensive.

5. Favour quality when possible ("boot economics").

6. Limit going out. Pints are bloody expensive!

7. "Game-ify" your savings - set targets & hit them.

8. Shop around for better deals. Switch providers when you do find a better deal.

9. Make use of coupons/discounts/vouchers.

10. Limit meat intake & increase fruit/veg intake. Start with "Meat Free Monday".

No.4 : we actually find Dunnes stores cheaper now for shopping esp with the vouchers you get for every 50 you spend"

Have to agree with you. As a single person it works out better for me to shop in Dunnes. Also find shelf life of foods is better than other shops.

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By *onnachakeaneMan
2 days ago

Dundrum

I wouldn’t let that stop you. Cash back, lower rate… you should still be significantly on the plus territory.

Some banks cover fees but worth a calculation and solicitors sometimes charged less fee on a switcher. The property is already registered

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By *r_Insatiable666Man
2 days ago

Cork

Don't buy Dubai chocolate

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By *otownkid1967Man
2 days ago

Portlaoise

"Don't buy Dubai chocolate

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By *ild WomanWoman
2 days ago

Dublin

Grocery shopping have budget in cash and that generally never spend it all. All coffee shops have loyalty card so if broke can grab coffee. Use revolute to save and use during the week and only put certain amount on it once a week.

Pay bills before do anything and still get a holiday each year. Stopped buying magazines and clothes.

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By *rystalsswingCouple
2 days ago

Galway / Midlands / West

Delete Shein app 😳🤪

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By *outhguy31Man
2 days ago

Louth

"I wouldn’t let that stop you. Cash back, lower rate… you should still be significantly on the plus territory.

Some banks cover fees but worth a calculation and solicitors sometimes charged less fee on a switcher. The property is already registered "

Also just to add to this if you have had any insulation work or energy upgrades done on the house it may he worth getting a ber done. There is green mortgages available which tend to have a slightly lower interest rate

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By *traight sligoguy67Man
2 days ago

sligo

Bring a lunch to work and cook for yourself two simple ones

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