Smart savings tips to boost your budget

Saving money doesn’t have to mean giving up the things you love. With a few smart habits and the right financial tools, you can stretch your budget further. As a new branch of Bankinter, Avant Money and Bankinter are now offering you a way to grow your savings. Discover the fixed term deposit account from Bankinter to learn more. Here are some easy money saving tips to make your money go a little further:

1. Make the most of rewards

Every euro you spend is an opportunity to earn something back. Look for loyalty deals that give back for regular spending. If you're shopping often, consider using a credit card that offers benefits such as the Avant Money Everyday+ Credit Card which offers:

• 5% cashback on grocery spend for the first 12 months*
• 0% interest on Credit Card Balance Transfers for 6 months***
• 0.1% cashback on other retail purchases*

That means your weekly spend could be quietly building up a nice cashback bonus each month. If you’re unsure where to spend the extra cash, check out some of the top picks from the Avant Money team.

2. Check up on your subscriptions

From streaming services to gaming passes, subscriptions can sneak into your budget and quietly drain it, even when you’re not using them. Take a few minutes to review your statements and cancel anything that’s no longer useful. It’s a quick win that can free up cash for more important spending.

3. Buy in bulk (where possible)

Buying in bulk can lead to big savings, but only if you’re buying items you’ll actually use. Focus on non-perishables, household essentials, and products with long shelf lives which have time sensitive offers. Pair bulk buying with cashback rewards to double down on savings, pocketing even more in the long run.

4. Avoid unnecessary fees

Small fees like service charges can add up quickly. These fees are often easy to avoid if you’re willing to put in a little effort. One such fee you can skip is the €30 government stamp duty which is usually charged on all credit cards within the Irish market. Avant Money covers this cost for Everyday+ cardholders**, putting €30 back in your pocket, simply by choosing the right card.

Ready to start spending smarter?

The Avant Money Everyday+ credit card is designed to help you stretch every euro further. With cashback on both groceries and other everyday spending, and no government stamp duty to worry about. It’s a simple way to make your money work harder without any added effort. Apply today and turn your spending into savings. Unsure where to start with your application? Check out our guide to getting your first credit card today.

Variable interest rate 20.8%. Typical APR 22.9% (Annual Percentage Rate).

Representative example: Assuming a credit limit of €1,500 drawn down in one transaction and repaid over 12 months in equal monthly instalments, total amount payable is €1669.00. The cost of credit is €169.00.

*Cashback applied at selected grocery retailers. Exclusions apply, see Everyday+ FAQs. Max cashback is €25 per month 5% cashback valid for first 12 months; 1% thereafter.

**Government stamp duty of €30 will be charged to the account and refunded on the same day.

***You will need to complete a Balance Transfer within the first 90 days of opening your account to avail of the promotional rates. Variable interest rate of 20.8% will apply once the Balance Transfer promotional period ends. You’ll need to pay your minimum monthly repayment on time each month and stay within your credit limit to keep your promotional rate.

Lending criteria, terms and conditions apply. Avant Money Credit Cards are only available to customers over the age of 18 and resident of the Republic of Ireland. Rates correct as of 10th March 2026 and are subject to change.

Bankinter S.A., trading as Avant Money, is authorised by the Banco de España in Spain and is regulated by the Central Bank of Ireland for consumer protection rules.