•  Are you claiming all of your tax benefits/social welfare entitlements? visit www.revenue.ie   www.citizensinformations.ie

Tip: When you have finished viewing these websites and wish to return to this Workout, click on the Backward Key at the top of both website's page

•  If you have older children living with you who are earning by way of a job or social welfare, could they be contributing towards household expenses? eg Rent, Food etc

•  Could you reduce your outgoings? eg. Make your own lunch? give up or smoke less? cut down on daily/weekly spending? 

•  Could you save by shopping around for better bargains? Where do you do your grocery shopping, its time to shop smartly look at store brands?  Always bring a list and stick to it to avoid impulse buying. Earn with loyalty cards, watch the ads for the latest offers.

•  Eliminate waste by watching what you bin and limit those items next time you shop.

•  Reduce your Telephone Bill, Could you continue to use your phone as usual but still save money by changing to a more appropriate package with better deals or call rate? visit www.callcosts.ie for tips on where to find value for money.

•  Could you save on Electricity? Looking at Energy Efficiency on www.seai.ie

•  Could you shop around for a better mortgage rate, cheaper insurance, lowest interest rates on credit etc?

• Next time your insurance premium is up for renewal, price around for the best value cover on Home/Motor/Health Insurance. If you do change insurance provider, double check that your new cover meets all your needs. Compare your old cover with your new one. 

•  Look around local filling stations to see who is the cheapest for petrol/diesel. Is it cheaper to buy your petrol/diesel at weekends?