Your questions answered by Ivan Ahern
Whether you are in full time employment or a student, there are some simple ways to make your money go further this autumn.
Build your budget
Devising a clever budget and sticking to it will ensure you keep money-related anxiety at bay. Visit the National Consumer Agency’s website, www.nca.ie, for an online budget planner to help get you started.
Update your taxes
If you haven’t filed your tax return for 2013, don’t put it on the long finger:
Save on phone bills
If you rely on your digital TV service’s ‘on demand’ facility, or still rent DVDs, this can quickly add up in cost. Netflix is a fast and frugal alternative way to source movies, box-sets and documentaries in abundance. For €7.99 a month it’s an option to consider as it allows you to watch unlimited films and shows on demand. It also gets to know your interests, by tracking the items you’ve watched, and makes some handy suggestions for future viewing. See www.netflix.com for more information.
Save up to 70% shopping online
The website www.mydealpage.ie canvases the internet and sources offers from numerous websites with up to 70% off everything from spa breaks, hotels, meals and much more. So if you are shopping for a gift for someone in your life, planning a weekend away or a special dinner celebration, this site is worth a look. Monthly discount codes are updated on www.moneyguideireland.com, with discounts for retailers, entertainment providers, restaurants, etc.
Top tips for students
Be savvy with your weekly shop
If you are renting, check with your landlord if he/she has contents insurance. It’s unlikely that their house insurance will cover your gadgets. If you have a tablet or smartphone that’s worth a bit of money then you should look into gadget cover. You can insure your smartphone, iPad or tablet through Cornmarket.2 Cover options include:
For more information on products and services offered by Cornmarket visit: www.cornmarket.ie
Ivan Ahern is a director of Cornmarket Group Financial Services Ltd.
This information is intended only as a general guide and has no legal standing. Money saving tips are correct on August 19, 2014. Please be advised that Cornmarket cannot be held responsible for the content contained on the websites listed in this article. Members who have specific questions relating to their personal finances, Superannuation entitlements, etc. are advised to seek professional advice and can contact Cornmarket at Tel: 01 4084000
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