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Sundayindependent

MAKE ME RICHER! with ROISIN BURKE


Gas bills
SAVE ENOUGH FOR A PAIR OF MENS' HI-TEC SNOW BOOTS

Brrr. . . that man in New Zealand who predicts the weather using the moon says we're in for a severe cold snap. Crank up that temperature dial without sending your heating bill into orbit by switching provider. For a family paying around €125 a month with Bord Gais by direct debit.

Best: Flogas €654.86 a year

Avoid: Bord Gais €750 a year

Saving: €95.14

contact: bonkers.ie


Insurance for your phone
SAVE ENOUGH FOR A SHINY NEW AZATOM WIRELESS IPHONE SPEAKER DOCK

One minute you're sauntering along yakking with your mate about Nidge's latest cuddly antics on Love/Hate, the next you're caught up in your own personal crime drama when some ne'er-do-well swipes your phone right out of your hand. Monthly insurance cover for an iPhone5S accidental damage, theft and loss varies widely in price – don't get robbed twice.

Best: Gadget Insurance €6.79

Avoid: Meteor €12.99

Saving: €74.40 a year

contact: gadgetinsurance.com

 

Credit card rates
SAVE ENOUGH FOR A REISS KITTY LACE COCKTAIL DRESS

A credit card and Christmas: a recipe for a joyous season's spending – but also a terrifyingly debt-filled New Year. Limit damage for January now by getting the cheapest plastic. On a balance of €1,000 over six months.

Best: Tesco Clubcard Visa 0 per cent for six months

Avoid: AIB be card 22.7 per cent

Saving: About €227

contact: Tesco.ie


Home loans for trader-uppers
SAVE ENOUGH FOR A BIALETTI ESPRESSO COFFEE POT

For house-hunting Dubs it's a bloodbath out there. Tales of scuffles and headlocks at auctions for desirable south county locales abound. If you're trading up needing €50,000 with a home worth €200,000 with less than 50 per cent loan-to-value, it'll cost you.

Best: Permanent TSB €262.54 a month at 3.95 per cent variable

Avoid: EBS €265.30 a month at 4.05 per cent variable

Saving: Around €33 in 12 months

contact: ebs.ie

 

Ski Cover
SAVE ENOUGH FOR A PAIR OF BOLLE SKI GOGGLES

Hitting the slopes at this time of year is great fun but comes with the risk of hot buttered rum overdoses and ski tumble ouches. Not that the two are necessarily related. Get insured before you go on the piste.

Best: Multitrip essential cover: €57.99

Avoid: Insure & Go €95.96

Saving: €37.97

contact: multitrip.com

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