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BOB Weekly |
The downturn in the economy has resulted in many people encountering significant personal debt for the first time in their lives. Loss of employment or a sharp reduction in take home pay can quickly lead to an inability of households to meet their loan repayments or pay their monthly bills. 
PENSIONS are boring, right? Well, that depends. If you think free money is boring, then stop reading now. Because the beauty of a pension, particularly one you have as part of your job, is that there can be three people contributing to it – you, your employer and the taxman. 
As the Christmas season dies down, the financial aftermath has set in. Unfortunately, many of us fall into a spending trap during the festive period, adopting a lifestyle that is far from suited to our bank balance. We depend on plastic to fund the festivities but pay for the ease of expense long past December. 
2009 was a difficult year for many. Salaries were cut, jobs were lost and debts mounted. As we look forward to a fresh financial start in 2010, the SaveAFewBob team decided to look at ways you can save money throughout the year ahead. Our money saving tips are straight forward as we want you to make rather than break your financial resolutions. 
Last week’s Budget sounded the death knell for a number of key PRSI benefits including optical, dental and aural care. The newly downsized Treatment Benefit Scheme is another blow to Irish taxpayers. While workers must continue to pay PRSI, the associated benefits have all but been erased. 
Yesterday we learnt of our financial fate for the coming 12 months. The majority of cutbacks were reported in advance so there was surprisingly little gnashing of teeth. However, for public sector workers (a fifth of the country’s workforce) and welfare recipients, the Budget confirmed their worst financial fears. 
There a several good reasons why you should make a Will. Carney McCarthy Solicitors have outlined a number of reasons from a legal perspective... 
Dublin based solicitors, Carney McCarthy, invite you to have your Will professionally drafted and to make a donation to the 
Disposing of waste is an expensive necessity. While we can’t avoid waste management, we can avoid paying a considerable charge for a less than substantial service. In Ireland, local authorities have been challenged by an increasing number of private companies entering the waste management sector. 
Most consumers know that they could easily save more money if only they had the time. Unfortunately, hectic lifestyles have led more and more people to become cash-strapped and time-poor. For those of you who want to know the easiest ways to save yourself a small fortune 
Research undertaken by SaveAFewBob.ie has revealed that Irish consumers have significantly reduced personal spending in 2009. The Vices and Indulgences survey, conducted by RED C, identified the areas of expenditure, as well as the demographics, that have experienced the most radical change. 
Are you one of those “close your eyes and hope it goes away” people when it comes to credit cards? Do you keep the wolf from the door by paying off as little as you can possibly get away with every month? Firstly, you are not alone. Secondly, it’s time to get credit card savvy. It’s not going anywhere so get ready to make clearing your card debt a priority..... 
Each year millions of Euros accrue to the Irish Exchequer as a result of ordinary taxpayers overpaying tax.
When it comes to tax, many taxpayers are only interested in what their net take home pay will be and not concerned with how that figure is calculated. 
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