The PM figures for pet insurance, broadband and TV seem high - are you sure they are correct?
Car tax seems mad - do you need to drive whatever you are driving?
My car taxk is actually more than the OPs !!
Mine is €177 per quarter, thats €708 per year if I pay quarterly, which I usually do.
I drive a 2litre car, like many folk in this country. But I do ask myself whether I need a sports car quite often !!
Direct debit with An Post : (€13.33 X 11) + (€13.37 x 1) = €160.00... €13.33 PM for a licence doesn't make sense - there has to be a mistake there. How much is a TV licence? ...
To be honest you seem to be managing fine and are in a healthy financial position. You don't have any silly loans or credit card bills to pay back. There isn't much you can cut back on apart from maybe Sky (replace with Free to air) and the pet insurance. Is it really necessary?
As for nearly €20 per month for pet insurance, I have always thought this is madness. If your pet gets ill, tough. Its an animal. Potential savings there imho.
you clearly dont have pets - people who have pets do not see them as just animals. They become a member of the family, and just as you insure yourself you insure your family. Vets bills are quite high, even for standard injections and worming. If you care enough for your pet you insure them. I for one certainly wouldnt be without mine. Heaven forbid one of my dogs gets runover and i'm left footing a 5k bill
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