Personal Finance

Thursday 31 July 2014

Make me richer

Garden shredder

John Mulligan

Published 06/04/2014|02:30

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MULCH AND MORE: If you don’t do those jobs out in the garden now, you’ll regret it later

The weekend weather has us dreaming of summer. Everyone has their fingers crossed that we're in for another season of sun and barbeques. Time to get the garden into shape. How much for a Bosch Rapid Garden Shredder AXT 2200?

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Best: €209.99 Hardware Ireland

Avoid: €294.95 Handy Hardware

Saving: €84.96

www.hardwareireland.ie

PRE-NCT TEST

Putting your car through the NCT is a strangely unsettling experience – sort of like the feeling you get when you walk through the blue instead of the red channel at airport customs when you're arriving home from holidays with one too many bottles of cheap booze. You just feel like you're going to get caught out. At any rate, no-one wants to have to do the NCT twice because of something that could have been easily fixed beforehand. How much for a pre-NCT test in Waterford City?

Best: €35 Self Service Auto

Avoid: €99 Advance Pit Stop

Saving: €64

www.selfserviceauto.ie

HOME INSURANCE

You've never bothered to check how much your home insurance might cost if you decided to ditch the provider you've had for the past decade. But you should. It could save you enough for a few nights out on the town. How much to insure a four-bedroom detached farmhouse built in 1930 in Bailieborough, Co Cavan, with no alarm? Buildings cover of €300,000, contents cover of €50,000 and six-years no claims bonus.

Best: €384.09 Aviva, via Chill Insurance

Avoid: €600.67 Axa Broker via Chill Insurance

Saving: €216.58

www.chill.ie

MOTOR INSURANCE

Nothing like pottering about the wilds of Wexford, but make sure you keep your motoring costs as low as possible. How much for fully comprehensive car insurance for a 60-year-old housewife living in Wexford and driving a 1-litre VW Polo valued at €6,000, with zero penalty points and three years no-claims bonus?

Best: €387.01 Aviva via Chill Insurance

Avoid: €861.04 RSA via Chill Insurance

Saving: €474.03

www.chill.ie

MORTGAGE

Who would have thought there'd be a scramble to buy property again, especially in the capital, just a few years after it all collapsed? You've finally seen the house you want and it's time to trade up. What's the monthly cost of servicing a three-year fixed-rate €300,000 mortgage borrowed over 20 years on a property valued at €450,000?

Best: €1,928.85 BoI at 4.69 per cent

Avoid: €1,978.21 ICS at 4.99 per cent

Saving: €592.32 over the first year.

www.bonkers.ie

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