Ten steps to save yourself at least €5,000 in 2022

From switching credit card provider to making your own sandwich in the morning, there are many ways you can keep more cash in your pocket for the things you want to do

Switch your credit card balance to a more competitive rate if you’re not going to pay your balance every month. Picture: Getty

The average amount spent every Christmas by adults in Ireland is a striking €965.80.

Although our spending was muted during lockdown in 2020, Ireland still trumps other European countries when it comes to spending on presents, food and socialising during the festive season.

As a result, January can leave your credit card feeling particularly vulnerable, and for those who only pay the minimum balance off their debt — that’s half of us — it would ...