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  • lowcostlifecover.ie
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    Original URL path: http://lowcostlifecover.ie/component/mailto/?tmpl=component&template=health1&link=12a1573cc950e8ad7e61f12363cb00764771ccc2 (2016-04-26)
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  • 30 Things You Can Do Right Away To Start Spending Less Money
    10 Bring your lunch to work You ll cut your lunch tab in half or more by making it yourself 11 Stop buying bottled water Use a glass or refill a bottle with tap water for free 12 Don t go out to drink Drinks with dinner can add 10 or more a person and a night at the bar can easily cost 40 13 Track your expenses for a month Simply keeping a running log will help you see how much of your income is spent frivolously 14 Set goals If you have a plan to save money for an emergency fund for example you ll think twice about spending on superfluous things 15 Buy quality items If you skimp on the important things you may spend more in the long run For instance spending 30 on shoes every six months costs more than spending 60 on a pair that lasts years 16 Think of your spending in hours instead of Euro s If you make 10 an hour then that 2 cup of coffee is 12 minutes of your life You may decide it s not worth it 17 Before you buy something ask yourself What impact is this purchase going to have on my life That can put an end to impulse spending 18 Change how often you spend on indulgences Rather than give them up entirely limit the frequency For example if you go to Starbucks daily try going weekly and if you go the movies weekly try once a month 19 Put half of your paycheck into savings It forces you to figure out how to live on less 20 Always pay off your credit card at the end of every month You avoid paying interest and get in the habit of living within your means 21 Set up standing orders for your bills so you re never late Late fees are a waste 22 Spend your money where you spend your time and cut the rest If you re a runner you need good shoes and if you spend a lot of time in the car you should invest there This kind of thinking helps you trim the superficial stuff that does not add value to your life 23 Wait at least two days before buying anything over 50 You may no longer want it or forget it altogether 24 Ask your Internet phone provider if it has any promotional rates You could see your rate drop by as much as 20 25 Cancel magazine and newspaper subscriptions you don t read Many people will let them stack up instead of picking up the phone to cancel 26 Compare rates of local electric gas oil companies You may no longer be getting the best deal available 27 Wear a jumper in the house and turn down the heat a couple of degrees Over time you ll save on electricity 28 Rethink your mobile phone plan Are you paying for more than you use Switching

    Original URL path: http://lowcostlifecover.ie/blog/item/35-30-things-you-can-do-right-away-to-start-spending-less-money?tmpl=component&print=1 (2016-04-26)
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  • lowcostlifecover.ie
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    Original URL path: http://lowcostlifecover.ie/component/mailto/?tmpl=component&template=health1&link=9f3332e61d9e897c23be26deca38a75c840ce53d (2016-04-26)
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  • 3 Tips For Raising Financially Savvy Kids
    ll learn that money is something they earn not something they automatically get 2 Teach your children to save Saving can be a hard concept for young children to grasp so it s important for parents to encourage them Wall St Cheat Sheet explains For example if your child wants a LEGO toy that costs 10 but only gets 2 a week you could explain that it will take them five weeks of not spending to have enough money to buy the toy You can also show them a cheaper toy and compare the required weeks of saving for each Another method of encouragement is to offer to match your child s savings for a good investment If you do this make sure to explain why the investment is a good one the article notes When they are older you can also encourage them to start putting some of their money in the bank or set a specific weekly or monthly requirement 3 Set a good example Most younger children enjoy emulating their parents so if they see you saving they will also want to save Wall St Cheat Sheet writes To do that you can talk about money in front of your kids or let them see you putting coins and euro s into your own piggy bank Other options include letting your kids compare items at a supermarket and explaining why it can be cheaper to buy items in bulk than individually Anthony Curran is an advocate for your financial future who takes a holistic approach to your needs and goals He will work collaboratively with you to define what success and financial independence mean to you and how best to achieve them Anthony is well qualified to provide long term support and guidance on a variety of

    Original URL path: http://lowcostlifecover.ie/blog/item/34-3-tips-for-raising-financially-savvy-kids?tmpl=component&print=1 (2016-04-26)
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  • lowcostlifecover.ie
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    Original URL path: http://lowcostlifecover.ie/component/mailto/?tmpl=component&template=health1&link=39ecce1b1b1de5b4691dddc57ef7bad4fa27cfbd (2016-04-26)
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  • Are You Prepared for a Financial Emergency?
    occurring simultaneously You can prepare for financial emergencies which will require access to cash by keeping an appropriate emergency fund Ideally this should be cash so that you could access the money quickly in the event of an emergency The money should be easy to get via cheque cashier or ATM machine and incur limited or no penalty for withdrawal While the determination of the amount of an emergency fund is dependent upon a number of factors specific to the family or individual e g job security whether both spouses are employed the ability to find a new job in one s field etc in general your emergency fund should cover six to nine months of your typical monthly expenses that are considered necessities mortgage and or rent insurance house car and health premiums transportation costs food tuition utilities Lastly here are just a couple of the things to keep in mind with regards to financial emergency preparedness Stay away from turning to your credit card as a source for cash during hardship Keep some cash at home to cover very short term emergencies in case the bank isn t open Anthony Curran is an advocate for your financial future who takes a holistic approach to your needs and goals He will work collaboratively with you to define what success and financial independence mean to you and how best to achieve them Anthony is well qualified to provide long term support and guidance on a variety of financial challenges and will help you focus on what you can control Defining your own financial freedom will help you be more comfortable about retirement and the possibilities of creating the life you want Whether you are single married or raising a family your approach to financial well being now will shape your

    Original URL path: http://lowcostlifecover.ie/blog/item/33-are-you-prepared-for-a-financial-emergency?tmpl=component&print=1 (2016-04-26)
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  • lowcostlifecover.ie
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    Original URL path: http://lowcostlifecover.ie/component/mailto/?tmpl=component&template=health1&link=2f4c529fb27ef96d070490eddda38208bcb25dbc (2016-04-26)
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  • Don't let financial rip-offs burn a big hole in your pocket
    Solution You don t have to go with the most expensive creche to get the best childcare save yourself several grand by shopping around Ask a working mum for a recommendation PHONE INSURANCE Most of us feel like we ve lost our left arm if we find ourselves out and about without our mobile phone But that s no reason to sign up to useless insurance Mobile phone insurance could set you back as much as 144 a year Furthermore the excess the first part of a claim that you must pay yourself could work out more than the cost of repairing or replacing your phone The excess could be as high as 50 and if you make more than one claim a year the excess could be 125 You could also find that the small print in your mobile phone policy means you ve no hope of making a successful claim For example if your mobile phone is damaged or lost after you left it unattended in a public place you re unlikely to be covered Neither will you be covered if your phone is stolen from an unlocked car Solution Don t buy mobile phone insurance simply make sure not to lose or damage your phone Avoid buying expensive handsets you ll be able to afford a replacement should your phone be stolen CREDIT CARDS If you use credit cards to fund your lifestyle you ll pay a fortune in interest and spend years clearing the debt You could pay as much as 22 7 per cent interest on your credit card more than 90 times the main European Central Bank rate and more than 20 times the interest that some homeowners are paying on their tracker mortgage If the interest rate on your credit card is 22 7 per cent and you ve run up a bill of 2 000 you could be six and a half years repaying that 2 000 assuming you can only afford to repay 50 a month off your bill Solution Don t use your credit card to borrow money If you have a credit card repay the bill in full each month CHARMING HANDYMEN I got my gutters cleaned recently and needed a loose bracket repaired at the same time I arranged for some handymen to quote me for the job One tradesman quoted about 800 an expense he justified because he said scaffolding would need to be hired A local tradesman quoted 80 and used a ladder If you re renovating your home or have a few odd jobs that need doing you ll be fleeced if you re not careful about the handyman you hire Solution Shop around Choose a tradesman who is registered with a reputable association or ask your local community hall to recommend someone TAX If you have any 2006 pay slips hanging around check what your take home pay was back then Chances are your take home pay was a lot higher in 2006 even

    Original URL path: http://lowcostlifecover.ie/blog/item/32-don-t-let-financial-rip-offs-burn-a-big-hole-in-your-pocket?tmpl=component&print=1 (2016-04-26)
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