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
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
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
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
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