Many better off than in boom years but high earners hit
Many workers will be better off financially next year than they would have been at the height of the Celtic Tiger in 2006 - as long as their pay packet is no more than €70,000.
Many workers will be better off financially next year than they would have been at the height of the Celtic Tiger in 2006 - as long as their pay packet is no more than €70,000.
Homeowners could save as much as €133,000 on their mortgage by switching to a cheaper lender, an analysis by mortgage brokers Dowling Financial and the Sunday Independent has found.
Families could knock as much as €4,000 a year off their private health insurance bill by switching to cheaper - yet similar - cover and insuring their children on less expensive plans to the adults,...
Commuters could knock thousands of euro a year off the cost of their travel to work by leaving their car at home and taking up tax breaks and other deals available on public transport. With traffic...
Lining up property to provide for your retirement might seem like a clever idea - particularly given the recent recovery in the market and the steep rent being pocketed by many of today's landlords. For many people, a bricks-and-mortar investment is easier to understand than the vagaries of the stock market and this can sometimes increase the appeal of property as an investment.
With only a week to go before schools around the country start to reopen after the summer break, many parents are facing bills of almost €2,000 to put one child through school for the year. A new survey by mummypages.ie has found that parents can expect to pay €1,834 to put a child through secondary school. That bill includes the cost of uniform, sports gear and footwear; school books and classroom resources; the voluntary contribution; technology support; school trips; and fundraising. The typical bill for parents of primary school children came to €716.
Jobs in accountancy, retail management, computer programming, law and science are amongst some of the best paid in the country - and so amongst the careers which should be seriously considered by the Leaving Cert students who receive their results this Wednesday. Although these 56,000 students must wait until August 21 to find out if they have enough points to secure entry to various courses, the results received this week should give them a good idea of the career choices open to them.
Owning an Irish holiday home can seem tempting this time of year - as many of us escape to our rural retreats. Yet a holiday home in the country (or elsewhere) can turn into a major financial headache - even if it seems like a cheap buy. No matter how great the sea view or how warm your childhood memories are of a place, don't ignore these rules of thumb if buying a holiday home.
The cost of buying Irish shares could be as little as the price of a take-out cup of coffee - or as much as a few hundred euro if you're a small investor, depending on how and where you buy them.
A student grant can be worth as much as €12,000 to some students, and first-time applicants now have only three days left to apply for the grant. Having a late application in could delay your grant - meaning it could be well into the college year by the time you (or your child) receives it, if they get it at all.
Nine years ago, Tipperary woman Ailbhe Gerrard was working on Dublin building sites as a project manager. Little did she know that she would soon be far from the concrete and cranes of Dublin and instead running her own farm in her native county - where she would become an expert on bees and organic farming.
It's day four of my children's school summer break and while I'm not pulling my hair out just yet, give it time. Yes I am privileged to have three...
Trading in AIB shares will go unconditional on the Dublin and London stock markets this Tuesday in one of Europe's biggest bank flotations since the 2008 financial crisis. The flotation follows the...
The price of holidays to European hotspots has shot up so much that it can now cost almost as much to visit Spain or Portugal this summer as it does to travel to some far-flung destinations, such as Thailand and the Caribbean. Recent terror attacks have pushed Egypt and Tunisia off the holiday brochures and demand for holidays in the Canary Islands and Algarve has shot up as a result - along with their prices.
Looming college bills will be very much on the minds of the parents of students starting their Leaving Cert this Wednesday.
Families can be torn apart by wills. Ill-thought out, poorly communicated, and indeed absent wills can trigger major family rifts - particularly where property or land is involved, as is often the case with Irish families.
Summer is often the time that many of us adopt a more easygoing attitude to our finances - however, doing so could see you lose out on thousands, or even tens of thousands, of euro. There are a number of summertime trends and nuances which are important to be aware of before making any major financial decision in the coming months. Here are some of the main ones.
Tax breaks and grants can be worth tens of thousands of euro to house buyers - particularly those buying property which needs work. So such State digouts should be at the forefront of your thoughts if buying either a home or an investment property - because they could considerably ease the financial burden of such a big purchase.
Many parents of children making their First Holy Communion this month will find themselves under pressure to allow their child to use any money raised on the day to buy a smartphone, iPad, helicopter drone or hoverboard. These are some of the items that are high on the wish list of children making their Communion this year, according to research by the parenting website mummypages.ie.
When Clodagh Davis started making cordials for her six-year-old son to sell from his lemonade stall at the bottom of their driveway, little did she know that this little stall would eventually lead to her own business.
Sticking to any good habits acquired while abstaining during Lent could save you tens of thousands of euro in insurance - and make it less likely for you to get turned away by an insurer.
Homeowners on variable mortgages could save as much as €17,000 on their mortgage over the next five years by locking into a cheap fixed rate, an analysis by the Sunday Independent and the mortgage brokers, Dowling Financial has found.
Schools around the country start to finish up for Easter this Friday - and parents are facing bills running into the hundreds to keep their children entertained over the two-week break. For those families which are heading to the sun, the bill for a week abroad could run into the thousands.
Marcus Connaughton, a veteran of the Irish record industry, has been an RTE radio producer for over 20 years. Connaughton, who presents and produces RTE Radio 1's maritime programme, Seascapes, lives in the Blackwater Valley in Waterford - not far from Fermoy.
Many rural dwellers are running out of places to manage their money safely - if they haven't done so already.
The actress Mairin de Buitleir plays the role of the barrister Dee in Ros na Run. The 24-year-old, from Caiseal na gCorr - a small town near Dunlewey in Co Donegal, started her acting career as a teenager in Teenage Cics, a television series which tells the story of children going to Irish college in the Gaeltacht.
It could take another 15 years for Irish women to get paid the same as Irish men for the same job - because of gender inequality in the workplace, according to a recent report by PricewaterhouseCoopers (PwC). It found, on average, Irish women earn 15pc less than men each year. So, with women in the workplace - or those just starting out in their careers - facing such a wait before the gender pay gap is bridged, what can they do to get fairer pay in the meantime? Here are five ways you can help close the gap:
Marek Pokorny remembers the birth of his youngest daughter for an unusual reason. Pokorny, who runs his own snail farm in Co Kildare, imported his first 10,000 breeding snails from France in December 2015. He put these snails into hibernation for a couple of months - until February 2016 when he placed them into the breeding unit on his snail farm.
Author Jess Kidd won the Costa Short Story Award for her story Dirty Little Fishes last month. Kidd, whose family is originally from Mayo, was brought up in London. She is living in London with her daughter but hopes to move to the west of Ireland in the next few years.
When the British Prime Minister Theresa May triggers Article 50 this month, she will start the clock ticking on Brexit - and fuel further uncertainty on stock markets.
David Harte is captain of the men's Irish hockey team. Last summer, in Rio, they became the first Irish hockey side to play in an Olympic Games since 1908. As Harte plays professionally with the Dutch hockey club, SV Kampong, he spends most of the year in the Netherlands. He also plays professionally for Dabang Mumbai in India.
Irish couples could spend thousands of euro more on fertility treatment than they need to should they opt for expensive, yet unnecessary, additional tests and treatments, leading fertility experts are warning.
When my son was two, I discovered he was hearing things as if he was underwater. This was because he had fluid rather than air in his middle ears - a condition known as glue ear. His speech was not coming on as it should have for a child of his age as a result - and he had suffered more than a dozen painful ear infections. I had two options: wait and see if it would clear up naturally - or the surgical insertion of grommets.
Comedian Neil Delamere, from Edenderry in Co Offaly, is a computer applications graduate of Dublin City University. His career in comedy kicked off in 2004 at the Edinburgh Festival. Along with his stand-up tours, he appears regularly on RTE and BBC. He has also written and presented a number of award-winning comedy documentaries, including The Only Viking in the Village and There's...
The water buffalo is an animal that most of us would expect to spot in the swamps and muddy waters of Asia and India - rather than the green fields of west Cork. Yet should you be strolling around the Gaeltacht in west Cork, you might well come across the herd of buffalo which Johnny Lynch has on his farm.
Writer Brian Conaghan won the prestigious Costa Children's Book award earlier this year for his third book, The Bombs That Brought Us Together, which tells the story of two friends growing up in a war zone. The Scotsman has been living in Dublin, where his wife Orla is from, for 10 years.
My car insurance renewal quote came through the door a few weeks ago - and, like so many other drivers, I was facing a double-digit price increase. I paid €389 for my car insurance last year. This year, I was quoted €489 - 26pc more.
Actor Seamus Moran played bistro owner Mike Gleeson in Fair City for 12 years and recently portrayed a philandering, irresponsible bookie in TG4's Rásaí na Gaillimhe. He is presenting a new series of Hollywood in Éirinn on TG4.
The colourful hotelier and TV personality Francis Brennan runs the five-star Park Hotel Kenmare in Kerry with his brother, John. Francis is well-known for presenting the RTE 1 series 'At Your Service' as well as 'Francis Brennan's Grand Tour', where he takes holidaymakers on a two-week vacation to a mystery destination. Dubliner Brennan now lives in Tahilla, Co Kerry.
Many young people will find it harder to get their feet onto the property ladder and have been forced to rethink their plans to inherit the family home after the Government clamped down on a popular tax relief over Christmas, tax experts are warning.
Ciara Mageean became only the third Irish woman to win a medal at the European Athletics Championships when she took bronze in the 1500m last July. The 24-year-old athlete, from Co Down, made her Olympic debut at the Rio Games last August.
First-time buyers are set to return to the property market in force this year - and fears that house prices are about to escalate are high. The recent change to the Central Bank's lending rules, which means first-time buyers no longer require a deposit larger than 10pc if borrowing more than €220,000, is encouraging many to get off the fence to buy property.
Switching health insurance can be a costly mistake if you choose the wrong plan. You could lose cover for medical treatment which you need. Should this happen, any savings made by your move could easily be wiped out by the cost of paying for care which your previous insurer or plan had foot the bill for.
The 400,000 people renewing their private health insurance this month could be paying as much as €3,000 a year more for their private health insurance than they need to, Sunday Independent analysis has found. Most at risk of overpaying are those who have been on the same plan for three or more years - and those who automatically renew their cover without shopping around.
Car insurance fraud is costing insurers hundreds of millions of euro a year - and pushing up the cost of motor insurance for drivers. With car insurance premiums already soaring in recent years, such fraud is an extra financial headache which motorists could do without. Fraud has already pushed up the cost of a typical car insurance policy by about €50, according to estimates from the insurance industry - and it may be driving up the cost of a policy by even more than that, according to Robert Smyth, fraud manager with Aviva.
The Cork actress Eileen Walsh is well-known for her role in The Magdalene Sisters, the award-winning film about three teenage girls who were sent to the Magdalene Laundries. Walsh also starred as the lonely housewife in Eden - a role for which she won the best actress award at New York's Tribeca Film Festival in 2008.
Mary O'Rourke, who turns 80 this year, has a long political career behind her. A former TD and deputy leader of Fianna Fail, O'Rourke has served as Minister for Education, Minister for Public Enterprise, and Minister for Health.
Car buyers could pay as much as €10,500 more for their car if they borrow the money for it from a bank instead of a car dealer, a survey by the Sunday Independent has found.
Rising rents, double-digit price increases in health insurance, and the closure of work pension schemes will be some of the biggest financial challenges facing many people in 2017. Make it your resolution to tackle those challenges this year. Here's how to.
Mark Ganly was so moved by the experience of a rugby player who was forced to give up his sport because of concussion that he decided to set up a company dedicated to reducing the incidence of such head injuries in rugby.
The award-winning author Liz Nugent is busy writing her third novel, Skin Deep, which she hopes to publish early this year.
This time two years ago, I was stuck at the end of a check-in queue in a tiny airport in Lapland - praying that my then four-year-old daughter and I would make the flight home.
Donegal actor Niall Mac Eachmharcaigh plays the part of John Joe Daly in TG4's Irish-language drama, Ros na Rún. Mac Eachmharcaigh, who is from the Irish-speaking village of Rann na Feirste, has been acting with Ros na Rún for 15 years.
The Cork actor Ciaran Bermingham is possibly best known for playing the role of 'Mord' in the hit TV series, Game of Thrones. He also starred in the recent Irish box office hit, The Young Offenders - a movie shot in Cork. Bermingham has a long theatre career behind him too. He is currently starring as the loveable Granny in the Red Riding Hood panto in the Everyman Theatre in Cork (www.everymancork.com) until January 8.
Christmas is the last thing you'd expect parents to have on their minds as their children head back to school in September. However, within an hour of the tickets for this year's Rathwood Santa train going up for sale, 22,500 had been sold, according to James Keogh, managing director of Rathwood. They went up for sale on September 1. By late October, Rathwood's Santa train was already sold out for the weekends and nights before Christmas.
With less than two shopping weeks to Christmas, those leaving it late are in danger of being ripped off in the dash to buy gifts.
Homeowners in the west of Ireland are being charged as much as three times more for home insurance than their Dublin counterparts - because of the damage inflicted by the powerful storms of recent years. Meanwhile, those homeowners living in a burglary blackspot could see the cost of their home insurance soar by hundreds of euro a year because some insurers charge them up to twice the price for cover.
Adi Roche is the chief executive of the Irish-based Chernobyl Children International (CCI) charity. Born in Clonmel, Co Tipperary, Adi started working in the immediate aftermath of the Chernobyl disaster in 1986 to provide support to children living in the affected areas. She founded CCI in 1991.
Years of stock market mayhem could be around the corner if the rise of populism in the US and Britain spreads to Europe. Such a development could see a return to 2011 when the European debt crisis was at its peak, experts fear.
Irish investors in their early 60s who have yet to retire could be among the most vulnerable to Brexit and any uncertainty in financial markets triggered by the election of Donald Trump.
With inflation expected to tick up under Brexit and the reign of the new US president Donald Trump on the horizon, leaving a wad of money in a deposit account is not a runner. Inflation will eat into the value of that money over time, particularly if deposit interest rates are low - as they have been for some time.
The woeful interest rates that are being offered to savers with deposit accounts have prompted many investors to eye up other investment products in the hope of making better returns. So too has the changing investment climate.
Stock markets in the US could hit new records under Donald Trump's presidency and its economy could be in for one of its best runs yet - these are some of the predictions from Deutsche Bank experts, less than two weeks after Trump's victory.
Investors could lose more than half of the money made on an investment to tax - so it pays to keep the Revenue Commissioners in mind before deciding where to invest your cash.
As a child Sabine Hobbel never liked the bread that her brother ate. Her brother had a severe egg and wheat allergy at the time. "So my mum was always buying unusual products from health food stores and I remember thinking that my brother's bread was just such awful, crumbly stuff," says Hobbel.
The 3,300 homeowners who are exempt from property tax, because they bought a house or apartment in a ghost estate, will continue to escape the tax for the next three years - even if the estate has since been finished. This is in stark contrast to the lack of property tax relief available to those whose homes were badly damaged in the floods of late 2015. Such homeowners cannot get an exemption from or reduction of property tax.
A Donald Trump honeymoon could be on the cards for many investors over the coming months - despite the shock waves sent through stock markets last week when it emerged he had been elected president of the United States. This honeymoon could last for as long as two years, according to some experts.
The offbeat TV and radio presenter Hector Ó hEochagáin is from Navan in Co Meath. He first became known to Irish viewers in the early Noughties with his TG4 travel series Amu. He then went on to present a number of primetime TV series including Hanging with Hector and Only Fools Buy Horses.
Another energy price war could be about to erupt, after Flogas became the latest supplier to announce a price cut. Flogas will reduce its gas prices for all customers by 3pc from the start of December. This comes after a series of price cuts from most of the big energy players.
You could be losing out on tens of thousands - perhaps hundreds of thousands - of euro by forgetting about or failing to track down a pension taken out in your youth. Many Irish people are losing out on pensions taken out in their early career - particularly if they have worked overseas or have moved jobs a number of times. It is well worth chasing up any pension pots from previous jobs, however, according to James Skehan, head of pensions with New Ireland.
There are two types of State pension - contributory and non-contributory. As the contributory pension is not means-tested, it is probably the easier one to get.
Choosing the wrong pension for your retirement could see you lose out on several thousand euro - or more - in your golden years. This is because annuities - a pension which can be bought with the money in your pension pot when you retire - can offer very poor value for money. Many people are shocked at the tiny annual pension they can buy, should they opt for an annuity. An annuity might only pay you a pension of a thousand euro a year - or less, depending on the size of your pension pot.
Many self-employed people will be in a precarious financial position come retirement - because they have not set up their own pension.
Katherine Zappone's new childcare plan was arguably the centrepiece of this month's Budget. However the scheme, which offers childcare subsidies to help parents with the crippling cost of childcare, has attracted as much criticism as it has confusion. Stay-at-home parents, as well as those who rely on childminders, feel let down by the scheme. So too do the squeezed middle as many of these earn too much to really benefit from it.
Many women won't be able to afford the cost of a weekly grocery shop for one on the private pension they get when they retire. This is because the average Irish woman is only saving enough to get a payout of €40 a week from their private pension, according to research conducted by Standard Life last June. Most of us would struggle to cover the cost of the weekly groceries - or a meal out - with that money. That €40 a week adds up to about €2,000 a year. Including the full State pension of €12,392 a year (the rate that applies from next March) would bring a typical working woman's...
Louise Lennox is the well-known pastry chef from the hit TV show The Restaurant. A broadcaster and children's food expert, she has worked on numerous RTE children's television cookery shows including Grubz Up, Elev8 and The Afternoon Show. She is the co-founder of Foodoppi, an online food network for children.
It's just over eight years since the €440bn bank bailout - and while the Irish banks are now back making money, many people are still worse off than they were in the year of the bank guarantee. Indeed most of us will still be hundreds (if not, thousands) of euros worse off under Budget 2017 than we were in 2008 - the year that Irish taxpayers guaranteed all loans and deposits in the country's banks and building societies - an analysis by The Sunday Independent has found. The Irish banks, on the other hand, are back in profit.
Almost half a million people are busy preparing their tax return ahead of this year's tax deadline. Should you be one of these individuals, you have between three weeks and one month to file your return now, depending on whether you're filing a return on paper or online.
PaidI O Lionaird is a television presenter for TG4 and a news editor with Nuacht, the Irish language television news services broadcast by RTE and TG4.
Cash-poor first-time buyers (FTBs) are paying as much as €50,000 more for mortgages than their wealthier peers, an analysis by the Sunday Independent has found. This is because house hunters who can save no more than the minimum deposit required to buy their first home are being offered much more expensive mortgages than those who have a larger deposit - or a handsome dig-out from their parents - to hand.
Colin Mochrie is a Canadian actor and comedian who is best known for his appearances on the TV impersonation show, Whose Line Is It Anyway. He has also starred in the American sitcom The Drew Carey Show.
As A young boy, Stephen Rooke projected the movies for the cinema club which took place every Sunday evening in his boarding school in Cork.
Investors in British property funds have been the worst hit since Brexit while investors in Chinese shares - which were ironically taking a battering this time last year - have done well.
The Cork singer-songwriter John Spillane has written about 200 songs - as well as an opera. His songs have been covered by the likes of Christy Moore, Sharon Shannon and Mary Black.
Dutch woman Astrid van Gelder-Fitzpatrick cycled the 20km return journey to school for most of the year when growing up in Holland. She has been living in Ireland for more than 14 years now, and she still cycles 20km to work - a bike shop which she runs with her Irish husband, Frank.
Many Irish savers are in danger of losing a good chunk - if not all - of their money after pouring hundreds of millions of euro into complicated products that are promising better returns than ordinary deposit accounts.
Scott Evans recently returned home from the Olympic Games in Rio - where he became the first Irish man to win an Olympic badminton match. The athlete, who is known to whip off his top when celebrating a win, finished ninth place in badminton in the Olympics last month.
Many of the students starting college this year will find it more expensive to borrow money because two of the country's top banks have rowed back on cheap student loan offers.
Fine Gael MEP Brian Hayes was elected to the European Parliament more than two years ago. A former secondary school teacher, Hayes has held a number of senior positions on the Fine Gael front bench. He was also a TD for Dublin south-west until May 2014.
The inheritance tax take has almost doubled in the last five years - and with moves afoot to tighten up the rules around this death tax, more people could get caught for it in the coming years.
Andrea Hayes is a well -known face from the small screen, being presenter of TV3's Ireland's Animal A&E and Dublin Airport: Life Stories. She has been working with the television station since 2005.
Parents are facing bills running into the thousands to see their child through the school year - even after kitting them out for their first day back at school this week.
Many of the 120,000 parents of students opening their Leaving Cert results this Wednesday are now facing a bill of €11,000 to put their child through their first year in college.
Derval O'Rourke, one of Ireland's most successful athletes, is a former world indoor champion sprint hurdler, European medallist and three-time Olympian. She lives in Cork with her husband Peter O'Leary and their baby daughter Dafne, who was born a year ago.
You can rent an apartment for around €230 a month and eat your fill for less than €5 when you retire - should you decide to see out your days in Cambodia.
The acclaimed master fiddler Frankie Gavin was born into a musical family in Galway about 60 years ago. He started playing the tin whistle at the age of four and has been delighting audiences with his fiddle playing since the age of ten.
The near loss of his father about two years ago gave Wicklow man Shane Byrne the idea for Responder - a ground-breaking product which is set to put his company on the international stage. Byrne is co-founder and CEO of Showoff, a Wicklow company which is behind a life-saving mobile phone app.
The summer sales are in full swing - and while this month is usually a good time to pick up cheap tellies and half-price bikinis, you could save hundreds, or even thousands, by leaving your bargain-hunting on big-ticket items until another time. The goods that are heavily discounted by retailers vary throughout the year - so timing your purchases well can save you money. Here's our month-by-month guide to the best time of the year to buy.
No stranger to big race success, Smullen landed his biggest winner when Harzand, trained by Weld, won the Epsom Derby early last month. The same horse gave Smullen his third success in the Irish Derby at the Curragh in late June.
Irish women are facing bills running into the hundreds of thousands for life-saving medical treatment. Even stints in hospital for the less serious health problems typically encountered by women could easily cost tens of thousands in this country. Furthermore, while private health insurance can be a big help if you want to be treated privately and quickly, even this is no guarantee that you won't be hit with a scary hospital bill. So what are the typical health problems that land Irish women in hospital - and what bills could they face should they have to pay their own way?
Darren O'Shaughnessy - the Limerick-born author who writes under the pen name Darren Shan, is a huge name in the teenage fantasy novel market.
Irish men are facing bills running into the tens of thousands of euro to get treatment for the typical health problems they are likely to run into over their lifetime. Life-saving surgery could cost more than the average industrial wage. Many men don't have this kind of money.
Wexford actor Gary Lydon has starred in successful Irish films such The Guard, Michael Collins and Calvary. He recently played the role of Brian Cowen in The Guarantee and has starred popular RTE TV dramas including Love/Hate and The Clinic.
Most children don't get picked up from school in a limousine today, never mind back in the Fifties and Sixties. So it's no surprise that one of the childhood memories which stands out most in Freddie Maguire's mind was getting picked up from school in a limousine. Maguire is now managing director of Massey Brothers Funeral Home, but back then, his father Patrick was running the business.
Actress and writer Carol Drinkwater is well-known for her portrayal of Helen Herriot in the British TV series All Creatures Great and Small. She has also starred in successful films such as A Clockwork Orange and Father.
Schools around the country started to close for the summer last Friday - and so the exodus of Irish families to sun getaways is under way. Even if you have already paid for your holiday, it could burn a bigger hole in your pocket than you expected if you're not careful. Here are six financial no-nos worth knowing before you head off.
The Rubberbandits are an anarchic comedy duo from Limerick city. The plastic bag-wearing pair - known as Blindboy Boat Club and Mr Chrome - shot to fame with their song Horse Outside over Christmas 2010.
Savers were dealt yet another blow earlier this month when the interest paid on State Savings was cut for the fifth time in four years. State Savings once gave cautious savers the chance to earn a reasonable return on their nest eggs. This is no longer the case.
Eleanor McEvoy, one of the two new Dragons on the latest series of RTE's Dragons Den, is founder and chief executive of Budget Energy - an electricity provider in Northern Ireland.
Schools around the country start to finish up for the summer holidays in a couple of weeks time - and I have been in a state of panic for the last few weeks.
Cassie Stokes is the newest presenter on TV3's entertainment show, Xpose. Stokes was previously Twitter correspondent on Tonight with Vincent Browne - as well as cyber reporter on 3e's FYI news programme.
It's known as the place where fairytales come to life - and it's also a multi-billion-euro industry. Get a slice of that pie - Disneyland that is - and your company is onto a good thing. One young Irish business which has managed to get its foot into Disneyland is Rye River Brewing Company, the Kildare brewery behind the well-known McGargles beer.
The cost of a trip to the Euro 2016 tournament will easily run into thousands of euro for the many Irish fans about to head to France to catch the action. For some, the bill could run into the tens of thousands. So with Euro 2016 about to kick off in five days time, here are eight must-knows to help you keep the cost of your trip to the football championship in check.