Clare Byrne

So there is choice is what you're saying?

When it comes to accessing some public services, though, you don't have a choice.

Like new mothers, when they want to claim the children's allowance, are told that they must have the public services card in order to do that.

Just on that point about storing the data, about the state storing the data, TJ, in a responsible and safe manner, is that what you're concerned about?

But the bank then has that information.

That's all they can use it for.

All right, we'll leave that one there.

Malcolm Byrne and T.J.

McIntyre, thank you both.

The Clare Byrne Show on Newstalk.

With Aviva Insurance.

Now, we heard this morning that homeowners can't afford to move house.

So around a quarter of a million homes, homeowners are spending money on home improvements.

But are people doing it right?

Are there simple ways to improve the space in your home?

And can you keep the costs down?

I'm joined by Pete Finn, who's in the studio with me.

Pete, the builder.

Hiya, Pete.

People, I suppose what they're doing is compromising.