Less time and money, but more to do and more bills to pay?

It’s a familiar story and one that many of us are facing every day. If you’re one of those people and you’d like to get 2013 off to a more efficient start, then we just might be able to help.

We’ll be bringing you weekly tips on how to make the time and money you have work best for you. You’ll be earning the Ms. Efficient title in no time!

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Do all of your banking online

How many times have you given up your lunch break just to queue in the bank for an hour? We’ve all been there. Why not avoid the crowds (and some sneaky extra bank fees) by setting up an online banking account?

Online banking is fantastic because it means that all of your banking information is just a click away. You can pay bills, check your account balance and transfer money between accounts all from the comfort of your own sofa. It’s fantastic.

If you haven’t jumped on the online banking bandwagon yet, make 2013 the year you embrace technology and make the migration to banking online.

Buy a diary

Yes, we know it sounds very retro of us to suggest this but never underestimate the power of a good day planner. Treat yourself to a stylish new diary/Filofax for 2013 and make a promise that you’ll actually use it.

In this day and age, most us rely on our phones or our computers to give us daily reminders of all those things that need to get done, however, as we all know, technology can be unreliable sometimes. Get into the habit of writing down all those important appointments and those to-do lists that simply must get done.

Not only will keeping a diary help you to stay on top of everything that’s going on in your life, they’re also super-reliable. You’ll never get an internet connection error on a piece of stationary, that’s all we’re saying…

Say No

January can be a hard month to deal with. Chances are most of us have ended up spending a fortune over Christmas and during January, we’re all a bit broke. So what do you do when people keep asking you to go out or attend things that require you to spend money?

Now, we’re not saying that you should become a total recluse for the rest of the month or that you shouldn’t spend your money and enjoy yourself. But why not consider saying no to the events that you’re not particularly interested in attending (and the ones that you KNOW will cause you to spend money that you don’t really have)?s

Remember: your time is precious so it’s important for you to spend it in ways that make you happy. If someone is making demands on your time that you’re not comfortable with or if you know that you can’t afford to spend the money on a night out, simply say no. The world won’t end as a result, we promise.

With thanks to our friends at PINERGY - No Bills. No Fuss. Just Top Up! Check out PINERGY.ie