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15-05-2020, 15:00   #1231
GreeBo
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Originally Posted by Augeo View Post
True, however...........
I have 2 current accounts and 2 private credit cards. I use the credit cards for most of my spends and clear them 100% each month.

So my AIB account does recognise and categorise my AIB credit card spends per retailer category but it's far from great to be honest......

Not wonderful IMO.

If folk rely on their banks to provide detail on their spends then as I said.........
Not wonderful, but I'd argue its more than enough for someone without a clue to get on top of things.
At the very least you would wonder why your shopping bill was too high and/or your petrol bill too low.

Zero barrier to entry also.
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15-05-2020, 15:41   #1232
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July 2017 here, it's eye opening. I'm saving more per month than back then and still feel like I've more disposable money once you see how much you spend on ****e you don't need/want
Why do it for so long though? I understand doing it for a few months to get an idea of where the money is going but surely once you've done that it's just repeating itself over and over. Like I done it and went pretty granular with it But after a few months of doing it I can't see much benefit.

Also is it possible to make an AVC to your pension with last years left over tax relief not used and if so how would I go about doing this?

Last edited by Blacktie.; 15-05-2020 at 15:48.
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15-05-2020, 16:41   #1233
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Also is it possible to make an AVC to your pension with last years left over tax relief not used and if so how would I go about doing this?
Contact your pension provider (or your employer)
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15-05-2020, 16:47   #1234
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Contact your pension provider (or your employer)
I did they sent me a document that basically says to contact revenue. Thought I'd find a quick answer here of what's involved.
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15-05-2020, 16:52   #1235
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I did they sent me a document that basically says to contact revenue. Thought I'd find a quick answer here of what's involved.
Assuming you don't manage your own, I don't know why revenue would need to be involved tbh
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15-05-2020, 17:19   #1236
cefh17
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Why do it for so long though? I understand doing it for a few months to get an idea of where the money is going but surely once you've done that it's just repeating itself over and over. Like I done it and went pretty granular with it But after a few months of doing it I can't see much benefit.

Also is it possible to make an AVC to your pension with last years left over tax relief not used and if so how would I go about doing this?
I can see where you're coming from, it's more a habit at this stage, you're right that I don't really get the same benefit as the first few months gave. Nice to plan ahead and make sure I've enough put away for insurance by the time it's due
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