Carina Duan

And you'd be surprised at the amount of people that don't actually look at these things.

We all, myself included, we paint this picture of how perfect we are and we keep on top of things.

But when we actually start again, go back to it, writing it down, that's when you can really identify, is my money going to the place?

that I wanted to go to and also when you're spending money it's do I want to be working for something I'm paying for it out of my time that I'm using to work so again back to the mortgage like if you could save 0.25% we'll say on a mortgage rate you could end up saying saving a thousand euros in the year for example okay significant

It's a big amount.

And when you think about that, the amount of work that you have to put into it, so you gross that up, we'll just say to 2,000 euros.

For some people, that could be two weeks of work.

And all, not saying it's a simple thing, but like it does take that call to your broker or to your bank.

to start that change happen.

But it's two weeks of work that you're saving.

Oh, 100%.

And if you go on to revenue in my account, it's actually revenue are great.

They're very efficient.

So they are.

And the system is actually really, it is quite easy to use.

So it is.

But you can go back for the past four years.

If you can claim that back again, there could be a few thousand euros.

Also, depending on where you're employed, you might be able to get allowances for like uniforms, stuff like that, your medical expenses.

And don't look at it as, oh, it might just be 20 euros or 30 euros or 40 euros.