Helpful Hints and Ideas

12 STEPS TO GOOD MONEY MANAGEMENT

1. Pay bills on time to avoid late fees.
2. Pay more than the minimum on your credit cards.
3. Read your bank statement regularly.
4. Build an emergency fund of at least three months’ living expenses.
5. Prepare a will.
6. Shop around for the best insurance rates and coverage.
7. Look around for and switch to credit cards with lower rates.
8. Follow a monthly budget. (see our budgeting section for advice)
9. Examine your tax entitlements to ensure that you have claimed back what you can and are not giving the government too much.
10. Check your credit report annually for accuracy. (Irish Credit Bureau)
11. Contribute to a retirement account, or pension plan.
12. Comparison shop for the best deal on your mortgage or refinancing.