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THE DUST HAS settled on Christmas and for a lot of us, that means some time spent analysing bank statements and where exactly we lost the plot over the Christmas period.
Unconscious spending is the killer for many of us – those “little but often” outgoings that we don’t notice at the time but that seriously add up. Think of a morning latte, your few pints after work, or that taxi you didn’t really need to take.
Imagine if you were saving as little and as consistently as you are spending on takeaways. It would add up – and that’s what saving is: an everyday thing with realistic goals, nothing massive or scary.
So let’s put your fiscal fitness to the test with our Financial Bleep Test – and no cheating now. Answer honestly, and see if what you think your outgoings cost actually add up in reality.
Ready… set… go.
1. If you were to order a takeaway for two every Saturday night for one year, how much would it cost you in total?
You're pretty much able for as many reps as necessary when it comes to crunching numbers. You're very aware of your outgoings and you're fit as a fiddle when it comes to saving. Well done.
Congrats - you're on top of things. But there's always a little room for improvement, right? Figure out where you could be strengthening the pennies, and they could start turning into serious pounds.
Hmm... Looking a bit out of shape there. You need a few sessions - not in the gym, but with a budgeting app. All isn't lost, but you could be making some serious gains if you get serious about this.
8. Based on average bus journey of €2.80 four times a week, by 52
No matter how financially fit you are right now, you can always whip your finances into shape with a little help and know-how. Head over to RaboDirect now to find out how to start saving smarter and get 2016 off to a great start. Reach your savings goals this year with the savings specialists.
Coöperatieve Rabobank U.A., trading as RaboDirect, is licensed by the Dutch Central Bank in the Netherlands and is regulated by the Central Bank of Ireland for conduct of business rules. Terms and conditions apply. RaboDirect is part of the Rabobank Group.
Seeds are not illegal here be a use they don’t actually contain thc.. seedlings contain practically no thc but it is illegal to germinate seeds here.. based on thc levels though, they shouldn’t estimate this at 200k. It’s like saying a house has full value when only the foundation is built and stops there.
Either way, it’s a ridiculous waste of time and resources
@Chimo Spinola: got caught with stolen bricks + few bags of cement? ,
I’m afraid we’re going to charge you for stealing a 4 bed semi detached with a pool house + tennis court
Can The Journal question the validity of An Garda Siocanna’s estimation in order to get some balance? These estimations are used by the guards as a show of success in relation to budgets. An Garda Siocanna need to be scrutinized as much as any government department. This estimation does not appear to be realistic.
Ah would at look at the lickle babies? I really don’t get why this plant is illegal in this day and age, knowing what we now know about it. Remove the criminality first and foremost. It’s about time.
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