i am looking at my spending habits i.e. mobile, tv, etc etc.
any other suggestions would be appreciated.
--laoisfan
Spending habits have been considered in detail on this site many times before, try the search facility. However you'll probably find that the usual targets for cutting spending goes something like this:
1. Do you have unnecessary insurance/ payment protection? Are you overinsured/ paying unnecessary premiums for cover you don't really need?
2.Do you shop around for things like home/ car insurance, telecom services, lower cost banking facilities, cheaper credit cards etc?
3. Do you really need your car, can you use public transport/ walk? Can you use a smaller car/ drive less often, car pool or avail of public travel subsidies from work?
4. Do you subscribe to premium TV cable services etc and do you need them?
5. Do you eat a lot of convenience foods/ takeaways or shop in the more expensive convenience stores?
6. Things like the daily newspaper, shop bought sandwiches, snacks, coffees and drinks each day can add up to a significant cost- before you even get to work.
7. Are you availing of all tax reliefs/ credits available to you?