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Sundayindependent

MAKE ME RICHER with SIMON MOYNIHAN

SAVE ENOUGH FOR A FIVE DAY SEATED TICKET TO THE DUBLIN HORSE SHOW

Current Accounts

AIB and Bank of Ireland are hoping you’ve a very nice holiday away planned for the next month... so you don’t notice the raft of new current account fees they’ve got lined up for August. Our two nationalised banks will be replacing their fees with a set of shiny new ones which will see the cost of just about everything from writing a cheque, to visiting a branch and even using an ATM go up. Bank of Ireland customers can expect current account fees to double to around €92 per year and AIB customers can expect fees to go up by around €20 to €110.

Permanent TSB, on the other hand, has just made their current account free if you can lodge €1,500 per month. It’ll cost you €48* per year if you can’t.

Best: Permanent TSB Current Account €0*
Avoid: AIB Personal Bank Account €110 per year
Saving: €110

 

SAVE ENOUGH FOR A VISIT TO THE GUINNESS STOREHOUSE AND A PINT AFTERWARDS

Prepay Money Cards

It used to be that whenever you passed a bank someone in a tight suit and pointy shoes would fire 0% interest credit cards at you. Now just wanting a credit card seems to be grounds enough for the bank to stamp DENIED on your application. But fear not, there is an alternative. The Prepay Money Card has filled the gap where the credit card used to be. And they can be much more sensible too. No more holiday spending binges with someone else’s money. That’s because the prepay card is loaded with your money only, and you can only max the thing out with as much of your own money as you pop onto the thing. Great for budgeting, handy for holiday spending and even better for online shopping.

Most prepay card issuers make money when you top up, so you want to keep those fees down. Five topups of €100 from your current account will cost you:

Best: Netteller Prepaid MasterCard €0
Avoid: O2 Money Prepay Visa Card €18.49
Saving: €18.49

 

SAVE ENOUGH FOR A LATTE AND A SAMBO AT INSOMNIA

Sunscreen

The heatwave has shown us that we’re just not designed for long periods of sunshine. We don’t tan well at all, and there are parts of our bodies that should only be introduced to the sun very slowly indeed. Still though, loads of us are throwing caution to the wind and heading off to find even more sun next month. And that’s where a good family sized lash of 30 block comes in very handy indeed, unless of course you like that all over lobster look. It’s can be very pricey stuff though. At around €20 a bottle for 200mls you’ll need to keep your eyes peeled for the sales. Tesco has the stuff for half price right now, but it’s still cheaper at buyersclub.ie.

Best: buyersclub.ie Nivea Sun SPF30 Invisible X 2  - €15
Avoid: Tesco.ie Nivea Sun SPF30 Invisible X 2 - €19.98
Saving: €4.98

Contact BuyersClub.ie 01 887 0247

 

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Travel Insurance

The world is coming down with stuff. There’s too much of it everywhere. And until Michael O’Leary came along, we used to haul tons of it with us on our holidays every year only to leave most of it unworn and still packed in our suitcases. Now that the expandable Samsonites are in the attic, we have to carefully measure our little carry-ons beside the bathroom scales to make sure Mr O’Leary doesn’t hit us with a €105 charge for having bags that are too big or too heavy. But just in case you decide to bring along your Marc Jacobs jeans in your Louis Vuitton carry-on – you might want to splash on a little travel insurance.

Best: Mulititrip.com Essential Cover - €26.95
Avoid: VHI MultiTrip Travel Insurance - €49
Saving: €22.05

Contact www.multitrip.com/ie 0818 44 44 44

 

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Gadget Insurance

David Cameron reckons that our smartphones are being knocked off faster than we can tweet our thoughts on #RoyalBaby’s name. The epidemic is so bad in the UK that he wants manufacturers to make their smartphones less nickable. He’s right too. Thieves are making off with some 300 iPhones, Samsungs and HTCs ever day in London alone. And with hoards of us going over there at this time of year, we’re probably better off getting some gadget insurance than waiting for Apple to invent an app that’ll get your iPhone back. At least that way, if a sticky fingered cockney trousers your iPhone 5, you can call home on your friend’s Samsung and get a shiny new one.

Best: gadgetinsurance.com iPhone 5 cover - € 63.69 per year
Avoid: protectyourbubble.com iphone 5 cover - €95.88
Saving: €32.19

Contact: www.gadgetinsurance.com or 0818 286 456

 

Simon Moynihan is co-founder and communications director at price comparison and switching service bonkers.ie

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