To put it in perspective, it's 12 times the entire health budget. The interest payments alone are €5.2bn, and rising. It's like maxing out your credit card, only making the minimum payment and every few months rolling it all on to a new card. Nobody would organise their family finances the way the Government handles ours. Nevertheless, with many in debt, I'm looking at better ways of handling money problems. Good debt v bad debt Not all debt is bad. Lots of things have to be financed by loans; a mortgage the biggest one. Borrowing over a long time with affordable repayments is normal. If you need a car, than borrowing over as short a period as possible is also OK. Bad debt is when you use credit to pay for day-to-day spending. Putting your groceries or electricity bill on a credit card, for instance, or buying a holiday with an overdraft. This builds up debt fast, as it becomes a habit. The top-down method List all your debts in order of the interest, highest first. That's … [Read more...] about Your Money: How to sidestep costly debt traps
Make money make sense
YOU ALREADY KNOW YOU ARE WHAT YOU EAT. BUT EXPERTS SAY YOU ALSO ARE WHERE YOU LIVE. IN A SPECIAL REPORT, THE IRISH TIMES SHOWS HOW 10 IRISH MAIN STREETS INFLUENCE THE HEALTH OF THOSE WHO LIVE THERE Most of us accept the wisdom that you are what you eat. But it’s also true to say that you are where you live. The spaces where we live, work and socialise shape our choices about our consumption and behavioural habits. These are automatic and unthinking, triggered by cues in the environment around us. Living in a vibrant town with access to health advice, a choice of shops, accessible places to exercise and welcoming spaces to congregate makes it easier to opt for healthy lifestyle choices. On the other hand, if you live in a place surrounded by clusters of takeaway outlets, bookmakers and pubs, those healthy choices require a more conscious effort. The architect and former president of the Royal Institute of Architects in Ireland, Paul Keogh, cites the term “obesogenic … [Read more...] about Does your neighbourhood make you sicker or healthier?
Friday's Royal Blue podcast focused on the players heading out of Goodison Park this summer. But the latest edition of our flagship show concentrates on the men who be could making permanent moves to Everton during the summer transfer window - starting with Jonas Lössl. The Huddersfield Town goalkeeper has been tipped to join the Blues on a free transfer. But what do our panel, Dave Prentice, Adam Jones and Gavin Buckland, make of that? One of our trio is 'underwhelmed' but his colleagues believe it represents sound transfer business with money needed for other areas of the pitch. But what, host Phil Kirkbride asks, does it mean for the highly-rated Joao Virginia? Whoever plays in goal, will they be lining up behind Kurt Zouma next season? Prenno, Adam and Gav are asked about Everton's chances of landing the Chelsea defender and if the deciding factor will be player power. The pursuit of Andre Gomes is also discussed with opinions split on where the midfielder sits in the … [Read more...] about Why Lössl makes sense & chances of signing both Gomes and Zouma
Katy Balls 27 April 2019 9:00 AM 27 April 2019 9:00 AM Share Twitter Facebook LinkedIn Email Whatsapp Almost nobody in Westminster admits to wanting to be prime minister. Rory Stewart is a cheerful exception. Most leadership hopefuls prefer to plot in dark corners and woo supporters in candlelit bars. The Prisons Minister is happy to sit in the sun in Hyde Park and talk openly about his ambition. It’s a tricky time for this country, he says. ‘In a normal situation I probably wouldn’t want to run.’ One of his friends thinks he’s mad: what’s the matter with just being MP for Penrith and the Borders? Why seek No. 10 now? Isn’t it a completely thankless task? ‘But I’m the opposite way around,’ he says, as we sit by the Serpentine lido. A voice for the pragmatic middle ground will be needed when Theresa May departs Downing Street. He’s offering his. It’s a job Stewart believes he could be … [Read more...] about Rory Stewart: Why I’d make a good prime minister
KATIE Price has admitted daughter Princess doesn't like her picking her up from school because of her "teenager" dress sense. The reality TV star, 40 - who can fit into a kids' size 14 - revealed her 11-year-old is "embarrassed" by her style. Speaking about her new children's clothing line, Katie admitted her daughter likes her designs - just not the clothes she actually wears. She told new magazine: "I always ask Princess if she likes them. But then she's embarrassed by me!" Princess then chimed: "Because you wear clothes that teenagers wear. They're not for your age." Katie enthused: "She's right. I can fit into aged 14 clothes. Sometimes I can go to kids' shops and squeeze into teenage sizes. "She hates it. She doesn't even like me picking her up from school." Princess mocked: "But mum you wear these short tops and pink slippers!" According to the Mirror Online, Katie is selling some of the products in the range for almost triple what she paid for them. DIVA BEHAVIOUR … [Read more...] about Katie Price reveals daughter Princess is so embarrassed about her dress sense she’s banned from picking her up from school