Monday 11 December 2017

It's time to stop procrastinating and cash in

Yvonne Hogan
Yvonne Hogan

Yvonne Hogan

My name is Yvonne and I have a finance phobia. The very sight of a letter from the bank or a utilities bill coming in the door and I get a tight knot in my stomach. I don't want to know. I shut down. Any mention of pensions, bills, savings, mortgages, and I regress. I am no longer a 40-year-old responsible professional, loving, supportive wife and mother. I am a petulant teenager.

"We need to review our finances," my husband might say breezily of a Saturday. It's always a Saturday.

"There are some great deals if we switch ultilities/savings/mortgage."

"Back off," I will reply haughtily. "You are not the boss of me."

"Yvonne, come on," he will say reasonably as he walks towards me, his laptop out in front of him like a cocked weapon, with Excel spreadsheet loaded. "We are losing out on hundreds of euro for the sake of a few minutes research and a couple of phone calls. It could pay for a holiday."

"Why would I want to go on holiday with you?" I might reply belligerently. "So you can have more time to talk to me about mortgages, pensions and all that other boring stuff?"

And so on. I know he is right and that my response is immature, irresponsible, irrational. But I can't help it. Personal finances, mortgages and household bills freeze me with fear.

They make me feel insecure. They also bore me. I have the same current account I opened in college. I don't even put in claims on my health insurance. And I know I am not alone.

All over the country there are people hiding under the bed as their partner walks down the hall with a laptop and a handful of bills; people paying too much money because they are too scared to engage with money.

But fear no more. We, the Irish Independent, have put together this comprehensive guide to saving money. With step-by-step instructions by our experts, we have demystified the process of switching providers to enable you to cut thousands from your household bills. So there is no excuse. Let's grow up, face our fears and watch the money roll back into our accounts. Let's make today Switching Saturday.

Irish Independent

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