Things that you should never spend money on

I don’t get betting on horses... but that's just me... people whom I know say put 20 euros a week 5 times ... if you don’t win you are down 100 quid... 1 horse wins say 5/1 you break even... you need 2 winners to profit,

Seconded, they're great.

Telecom Eireann shares.

Your Health

I mean you should be taxed for it to go towards a national health service, but you shouldn't have to pay money for it.

It's a **** embarrassing disgrace that Ireland has no proper national health system & that hospitals are still be given to religious orders to run. Bullshit!

Look at items 5, 10 and 13 on the bill.

Item 5 is a single piece of steak!

As the saying goes, a fool and their money are easily parted.

Borrowing tools isn't great advise tbh

It's just getting someone else to spend money on tools

My advise is not to lend anything to anyone that you want to get back

Also I do all my own maintenance on vehicles, house, tractor etc because I've had an interest in those things since I was young and qualified as a mechanical engineer.

But I wouldn't suggest my father or someone with no mechanical interest or experience does their own basic bike or car maintenance. Its not going to be successful or cheap unless you enjoy it and know what's going on.

I agree with all the rest of your points though!!!

But if I had a tool that somebody else didn't have and needed to use, what harm in lending it? Rather than having to buy a tool and only use it once or sparingly? Obviously I only lend to people I can trust, and there are tools that shouldn't be lent on a whim e.g. chainsaw, jigsaw if they aren't experienced, and also due to the litigation nature in this country.

The concept of a tool/toy/things/etc. library works well. There's a toy library in Carrickmacross, Cork City and other ones. If it was as much as a deposit for the return of the items then it would be feasible for it to work.

You sound very knowledgeable! Ofc I was suggesting diy maintenance only if you know how to do it, should've elaborated on that. I would be inclined to go to a car mechanic for any issues. For a bicycle I would be a little more knowledgeable, I only have some basic tools, but if I needed to say true a wheel then I would go to my local workshop for access to a truing stand to work on that.

Which magazine completed a survey a few years back on all brands of suncream and their effectiveness. They found that one of the top performers was Aldi brand. I have been buying that ever since at 2-3 euros a bottle. No issues

you're not quite right about the 2% difference. SPF 15 blocks 93% of UV radiation. SPF30 blocks 97%. SPF50 blocks 98%. or to put it another way SPF15 allows 7% of the radiation to get through to your skin. SPF30 allows 3% through. SPF50 only 2% through. So SPF15 allows through twice the amount UV radiation compared to SPF30.

I only pay for music streaming when they send me an email with a reasonable offer, like 99c for 3 months. I tried them all out on their introductory offers, and Tidal was so bad as to be worthless.

that covers everything