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Back to school savings

Back to school savings tips Uniforms and stationary When it comes to uniforms it is possible now to shop around for better value, in the past perhaps only one supplier worked with a school and therefore you were obliged to go there even if it was more expensive.  Lately many schools encourage parents to buy a general uniform in the correct colour and sew or iron on the school crest. This can be a huge money saver as you cut out the cost of the supplier doing this work for you. A good tip is not to wait until the last minute, give yourself plenty of time and do your research, check second hand shops and community based Facebook groups. Ask friends and family if they would be willing to donate the uniform of an older child who has left school or outgrown the uniform. If you can pay to have an alterations person take down a hem, or repair a rip then do, it will work out more cost effective for you than to replace with a brand new uniform. There are many discount shops around that sell great stationary now, there is no need to go to a specific school supplies centre unless you need something specific, shops like Dealz or the Euro store have great offers. You can also buy online BOOKS Use the power of social media groups, family and friend networks and this will really save you money. You should take your time and really talk to people, reach out on Facebook, publish your child’s booklist and ask who has copies. As long as the book meets the purpose and it is not damaged then it will be fine. Encourage your child to take good care of their books and cover them together. There are many online sources that offer discounts earlier in the year that can be up to 30% at times. They also may offer free covering and delivery. It is a good idea to start to plan ahead and put a little money aside for next year’s back to school costs. Keep a note of what you spent this year, so you’ll know exactly how much you will need and factor in exam years being more expensive Saving even a small amount regularly can make a big difference. For example, saving €10 each week will add up to €560  for back to school costs next year.   You can talk to us about savings plans and all other financial matters just give us a call on 053 9420 899 or email philip@sefs.ie From Zurich see sample below , ‘ the final step in giving your child the best start is lie is by taking action now, The earlier

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How can I protect my family if I get sick?

How would I protect my family if I was in an accident? No one likes to think about suffering an accident or a serious illness, or what would happen financially and the negative impact it  could have on your whole life.  You could never suffer an accident, you might be lucky enough to never miss

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Retirement stats worth noting

Some interesting findings from a recent report from Telda, show that those in retirement with a higher income experience a higher quality of life. Three in ten with low income say that a shortage of money prevents them from doing what they want to do, in comparison to one in ten with a high income.

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Five must do before you view

Buying a house is one of the biggest decisions you will ever make in your life and not one to enter into lightly. This five must do’s you will find helpful before you view a house.  The information was sourced from www.havenmortgages.ie  Use Google Maps to check the house out online before you visit, it

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How do I pay for college in Ireland?

My child is staring college in a few years and I am worried about the costs. How much do I need and what are my options? College costs are rising, so start saving now The cost of putting a child through college is increasing. If you have young children, you need to take action now

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How good am I with my money?

We are all different when it comes to money, we ask ourselves how can we be better with our finances, how can we afford to live the way we want to but save a little too?  we worry at times, should we be investing in the future or is it something to think about later

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Deposits

Deposits. We can place your Deposit with many providers. This gives you both choice and diversification. Please contact us for more information.

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Lump Sum Investments

Lump Sum Investments Hopefully there will be times in your life when you come into a relatively substantial sum of money. This may come in the form of an inheritance, profit from the sale of a property or business, or a bonus. It makes to sense to place some of this sum into a bank

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Regular Saving

Regular Savings Everyone has financial goals of one sort or another.  From saving for a deposit on a first house, to saving for your children’s education, saving for a rainy day or simply for extra financial security in retirement, a regular savings plan can help you reach these goals and more. A regular savings plan

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Investments & Savings

Savings & Investments How do I plan for a rainy day? It’s easy; if you start saving now you can build up a cash fund. We now more than ever before that we need to take responsibility for our own futures. Practical questions, such as: What will School/Collage Education costs be? Will I be able

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