Savings: Move themThere’s no doubt too many of us have too much of our savings on demand deposit, earning a pitiful return. Yes, returns may not be that amazing elsewhere – interest rates are still relatively low at a European level – but a better rate will still mean a better return. Health insurance: Make one phone callHealth insurance has been subject to a raft of increases this year from all providers. Are you prepared to stomach some level of excess for significant savings, for example, or cover for a hospital you may never use? If married, you’ll need to think about pension savings in conjunction with your partners’ fund; if one partner is maxing out tax relief, for example, could savings be redirected to the other?

Source: The Irish Times December 23, 2025 15:30 UTC