How hard is it to monitor a house alarm? Do you really need the equivalent of Nasa Control to ring or text people when an alarm goes off?
Eircom Phonewatch monitoring is ridiculously expensive -- even with the current discount. It's €229.50 per year plus a €299 equipment installation charge. You're just paying for the brand. Don't be a sucker.
Best: Securigard €180
Avoid: Eircom Phonewatch €528.50 (including installation)
Saving: €348.50 in year one
'L' plate insurance
Grip the dashboard, close your eyes and pray. It's 'L' driver time. Cover for a 50-year-old woman from Rosslare with no points or claims, driving a €22k-valued 2007 Mondeo 2.0 with a spotty 18-year-old boy as named driver.
Best: Quinn Direct €1,556 per year
Avoid: Hibernian €2,785
Saving: €1,229 per year
Be the only person in the country with an 09 car (apart from the politicians). Borrowing €30,000 over three years to buy a spanking new VW Golf.
Best: AIB €929.10 per month
Avoid: Halifax €937.57
Saving: €304.92 over term of loan
Flogas, the only rival to Bord Gais for home business, has slashed prices. There are some good savings for those who switch over, especially for a householder using a fairly average 30,000 Kwh thingiminies per year.
Best: Flogas Natural Gas €1,297.29 per year
Avoid: Bord Gais €1,523.40
There's a word to describe the nation's bankers. It may rhyme, but I just can't think of it. At least you can save a big wodge by switching your mortgage. You'd need to still have a bit of equity left in your house, though. For a €200,000 loan over 20 years on a house worth €600,000. With quotes from Simply Mortgages.
Best: ICS €1,084.33 per month
Avoid: Permo TSB €1,180
Saving: €1,148.04 per year
Best: AIB €1,197.26 per month
Avoid: NIB €1,348 per month
Saving: €1,808.88 per year
Best: AIB €1,035.62 per month
Avoid: Halifax €1,236
Saving: €2,404.56 per year