Kel Galavan
speaker
186 appearances
2 recordings
1 series
first heard Aug 2026
last heard 26 Aug
Kel Galavan’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 2 in all, peaking in Aug 2026 with 2.
Appearances
It's just the sheer dread of it.
And then if there is, I said, you know what, whether there's a deficit or not, it doesn't matter.
There's other things you can also do to pull money back.
And it could be something as simple as like, look at your utility bills.
I know that mightn't be, oh, come back from holiday, look at your utility bills.
But we're going to hit winter in five weeks.
Don't worry, Ciara, we're good for a few weeks.
But that's when our heating bills really shoot up.
And we have like the most expensive electricity bill.
in the EU and broader than that again for a million different reasons.
But that's an even more of a reason to get a hang on that because only about 20% of people in this country change their electricity suppliers every year.
It actually depends.
It actually depends because like, okay, if you don't have kids, potentially there's a bit more of an ease up in September, but you'll still have like getting back to work, your winter wardrobe, all those different things, back commuting again, like you mightn't have been doing so much during the summer.
But there are things like if you do have kids, yes, back to school costs.
But I know, and I see it so much in my own household, like the memberships, the sports, the gear, I find that is actually as much of an expense as anything else.
Because if your kids are into sport...
that really clocks up as well.
So just kind of have a think about that and how much that's going to cost.
definitely any of the membership pieces get in contact with the clubs and go look is there a payment plan is there a way we can leave it off for a couple of weeks if we have more than one child in this sport is there a discount and it's worth the phone call it's absolutely worth the phone call and then like secondhand gear it's not everybody's cup of tea but my goodness the amount of children as I'm thinking of my own who have tried something once or twice and then the stuff is left in the corner just go and try and get secondhand and
That gives the child a chance, particularly if they're new to a sport, to see if they even want to do it.
Showing 161–180 of 186 · page 9 of 10
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