We all need to save. We have annual costs -- birthdays, Christmas, anniversaries -- which can play havoc with our finances.
After the Special Savings Investments Accounts ceased in May 2007, a new savings product was introduced. Regular saver accounts are now available with most deposit-takers. Save between €100 and €1,000 a month for between 12 and 24 months and earn up to 4pc. Best at present are EBS at 4pc and Permanent TSB at 3.75pc.