Chris Harrison and his partner Nyree Watson are entering a financially fraught period in their lives.
They are in the process of buying a home, one of the biggest financial commitment most of us make.
There are four children in the family - Ciara (11), Niamh (6), Christopher (5) and Nathan (1).
Currently living in Portarlington in Co Laois, they plan to move to buy in Monasterevin, Co Kildare.
Then they figure they may need to borrow more money in future to replace the car.
Mr Harrison works as an inspector/facilitator for adults with intellectual disabilities, and Ms Watson is a line manager, also in the care services.
Mr Harrison says that with four children in the family and two adults, it is important to them to seek out good-value deals.
A credit union loan was recently paid down, helping to reduce the monthly outgoings.
The family recently reconfigured the health insurance policy that is with GloHealth.
"It was the third time to renew and GloHealth was very good about helping us save money," Mr Harrison says.
He says the family was anxious to reduce the cost of the policy, which it managed to do.
Health insurance is regarded as important to have by the family.
- CHARLIE WESTON