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How to Save 5000: This Year - and Every Year!

How to Save 5000: This Year - and Every Year!
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Our Price:  €9.00(VAT Free)
Format:  

ISBNs:  9781781190432 Pb / 0449 ePub
Year Published:  2012
Author:  James O'Donovan
Paperback:  9.00
ePub ebook:  9.83

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HOW TO SAVE 5000 will teach you and your family ways to spend your money smarter.

Whether on your food or heating bills, household spending, transport or credit cards, James O'Donovan shows you how to save money. Regardless of your current situation, whether working or unemployed, house-owner or renting, you can save money simply and easily. Over time, savings will build up and you will find yourself returning to this book again and again to look for new ways of saving money.

In the past three years, James has proven that these techniques work. He has saved over €5,000 a year as a result (€6,591 to be precise), with cumulative savings of over €15,000. Where else would he have got an extra €15,000 in after-tax income over the past three years?

If you want to save €5,000 a year, buy this book and follow James' advice.

Contents

1 Introduction

 Saving is Simple

 The Cumulative Effect of Savings

 Change Your Habits

 What I Did

 Your Next Steps

2 Housing

 Buying a House

 Mortgage

 Rent

3 Utilities

 Electricity

 Water

 Gas

 Telephones / Broadband

 Heating Oil

 Cable / Satellite TV

 Refuse Collection

4 Food

 Groceries

 Food at Work / Snacks

5 Children

 Rechargeable Batteries

 Baby Food

 Nursery Items

6 Banking & Personal Finance

 Fees & Interest

 Credit Cards

 Loans

7 Insurance

 Car

 House

 Life

 Mortgage Protection

 Travel

8 Personal & Household

 Sell Off Old Items

 Furniture

 Kitchen / Electronic Appliances

 Barber shop / Hairdressers

 Fitness

 Toiletries

 Books & Magazines

 Feed the Birds

9 Transport

 Cars

 Flights

 Public Transport

10 Entertainment

 Vacations

 Restaurants

11 Principles & Practice

 What I Did

 About the Author

 

O’Donovan has a background in information technology and has worked in that area for major pharmaceutical companies in Ireland. He clearly has an obsession with not wasting money and over the years has devised his own system for spending wisely and saving where possible. In these difficult times many people will find the prospect of saving €5,000 (or dollars or pounds, the title lets you guess) a year very attractive. The book is available as an ebook and on Kindle and there is an online course on O’Donovan’s system. It is divided thematically under headings Housing, Utilities, Food and so on. Under each heading there are simple instructions on how to save money backed up by examples from the author’s own life.

Books Ireland

 

This is definitely a strategy I plan to follow. This practical book full of common sense about saving money by cutting your costs and putting money away, is a must for this year. Four years ago the author faced with his first pay cut, realised that it might not be the last so he decided that he wasn’t going to let austerity grind him and his family down. So here’s how you can do the same.

Prudence Magazine

 

This is a book that will teach you how to keep more of the money you earn, without making any cutbacks, just changing some spending habits.

It IS possible to maintain your current lifestyle, within reason, and spend less money at the same time. This book will teach you ways to spend smarter. By following the techniques, you will change your spending habits and save thousands each year. Better still, each year’s savings carries forward into the next year, so you could save not just €5,000 but tens of thousands of euro over time!

North Clare Local

 

James O’Donovan, 42 decided that household spending would have to be reduced after the budget in December 2009 introduced more than €4bn of cutbacks, including a pay cut for his wife, Rosaleen, a teacher.

“We were used to a certain lifestyle – holidays, wine, nights out – and I wanted to see if we could maintain it while spending less,” said O’Donovan, who has one son, Daniel.

The family has pruned €6,741 a year from its budget. O’Donovan who works in IT, has shared his experiences in a book, HOW TO SAVE 5000: THIS YEAR - AND EVERY YEAR.

“At the start I didn’t know the price of everyday basics,” he said. “On just three items – milk, oranges and tinned tomatoes – we’re saving €451 a year by switching to discount supermarkets and retailers’ own brands. There’s no difference in quality and our milk still comes from Ireland.”

The biggest savings, more than €1,000 a year, came from moving to a tracker mortgage, although this is no longer an option for those who do not have these low-cost home loans.

Regular switching has reduced the cost of mortgage protection insurance by more than €400 a year. “My bank was charging €680 but I got cover from a broker who rebates most of the commission. I moved again the next year when the discounts ran out.”

O’Donovan, who lives in Cork, is constantly on the lookout for savings. “You can switch insurance companies only when the policy expires each year but you can immediately change energy suppliers or where you shop,” he said. “We’ve been with all of the main electricity and gas providers, getting discounts of 10%-14% off their standard tariffs every time we switch.”

Niall Brady, The Sunday Times

 

I have saved upwards of €10,000 and more through looking at my own business spends and personal / home life outgoings. Great and simple book to read that I would recommend to anyone to read ... it really does work ... it just takes discipline and follow-through.

Ger Colleran, Galway

 


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