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Not sure where to start? Jump to everything you can claim for your circumstances:
Guides that put money
back in your pocket
Step-by-step walkthroughs for the grants, credits, rights and savings most people never claim — written for real people, free to read.
Rent Tax Credit €1,000/person · 10 minutes
Most renters have never claimed it. Here's the full walkthrough.
If you pay private rent in Ireland, Revenue owes you up to €1,000 a year — and you can backdate it four years. We show you every click.
The Money MOT — what are you leaving on the table?
A 2-minute money health check. Get your score, see how much you could be better off a year, and a personalised plan to claim and save it.
Money news that affects your pocket
New grants, rate rises, Budget changes and deadlines across Ireland and the UK — in plain English, with what each one means for you.
Social tariffs: half-price broadband & mobile
If you're on benefits you could pay half for broadband and mobile — yet 97% of eligible homes miss these 'social tariffs'.
Disability Allowance, explained
A weekly means-tested payment for people 16–66 with a long-term disability — and you can do some work and keep part of it.
Cut the cost of childcare
The National Childcare Scheme, Tax-Free Childcare and free hours — the help most parents never max out.
Free Travel & Household Benefits
Free public transport, an energy allowance and a free TV licence — two of the most valuable older-person supports.
The State Pension, explained
When you can get it, how much it pays, and how to check and boost your record before you retire.
Tenant rights you should know
Deposits, notice, rent increases, repairs and protection from illegal eviction — the rights landlords hope you don't know.
Cashback: free money on everyday spending
Cashback sites, bank switch bonuses and 'stacking' — get paid for spending you'd do anyway (without overspending).
How to spot a scam
The red flags every scam shares, what to never share, and exactly what to do if you've been caught out.
Housing Assistance Payment (HAP)
Get most of your rent paid directly to your landlord — and keep it when you work.
One-Parent Family Payment
A weekly payment for parents raising a child alone — and you can work and keep part of it.
Additional Needs Payment
One-off help with an essential cost — rent deposit, fuel, white goods. Even if you work.
Domiciliary Care Allowance
A monthly payment for a parent of a child with a severe disability. Not means-tested.
Disabled Drivers & Passengers Scheme
Thousands in VRT/VAT relief, a fuel grant and tax exemptions on an adapted car.
Marriage Allowance: save £252/yr
If one of you is a non-taxpayer, transfer allowance and save up to £252 — backdate 4 years.
Household Support Fund
Council money for food, energy and essentials — easy to miss because each council runs its own.
Healthy Start & Free School Meals
A prepaid card for milk, fruit and veg, plus free school meals — badly under-claimed.
Warm Home Discount & Cold Weather
£150 off your electricity and £25 per cold week — much of it paid automatically.
How to appeal a benefit decision
Refused? A lot of appeals succeed. The deadlines and steps for Ireland and the UK.
Section 75 & chargeback
Get your money back on faulty goods, non-delivery or a company that went bust.
How to claim a tax refund
Millions overpay tax every year. The reliefs people miss, the 4-year rule, and the exact steps through Revenue and HMRC — for free.
Help to Buy: up to €30,000
The first-time buyer scheme that gives you up to €30,000 back toward your deposit on a new home. Who qualifies and how to claim it.
Winter heating help: the 3 UK payments
Winter Fuel Payment, the £25 Cold Weather Payment and the £150 Warm Home Discount — who gets what, and the one move that unlocks the most.
Help with rent, explained
UK Housing Benefit and the Universal Credit housing element, plus Ireland's HAP and Rent Supplement — who qualifies and how to claim.
The Back to School Allowance
Help with the cost of school clothes and shoes — a set amount per child. Often paid automatically in July, who qualifies, and the deadline.
Universal Credit, explained simply
Who qualifies, how much you get, whether you can claim while working, and the savings limit — without the jargon. Billions go unclaimed.
PIP: the disability payment explained
Not means-tested, tax-free, and claimable while working. Who qualifies, the two parts, how the points work, and how to win your claim.
Carer's Allowance, explained
If you look after someone, you may be owed a weekly payment — in both Ireland and the UK. Who qualifies, the earnings limits, and the grant most carers miss.
The Medical Card, explained
Free GP care, subsidised meds and more. The income limits are more generous than you think — the HSE deducts your rent and childcare first.
Working Family Payment, explained
A weekly tax-free top-up for low-income working families — and from 2026 it unlocks the Fuel Allowance too. You can work full-time and still qualify.
Child Benefit, explained
How much you get in Ireland and the UK, who can claim, the UK high-income charge — and why even high earners should still claim it.
Money deadlines — claim before you lose it
Backdating windows close every January, the Fuel Allowance season opens and shuts, and some claims only backdate a few months. Don't leave it too late.
The shopping tricks costing you money
Fake multibuys, shrinkflation, dodgy "was" prices and online dark patterns — the everyday tricks draining your wallet, and the simple habits that beat them all.
Start saving & investing with €50 a month
No jargon, nothing being sold to you — the emergency fund, free pension money, ISAs & State Savings, and index funds explained simply, in the right order.
Free dental, glasses & hearing aids in Ireland
Your PRSI already pays for a free dental exam, eye test, money off glasses and up to €500 per hearing aid. Most people never claim it.
Attendance Allowance: £110 a week most over-66s miss
Not means-tested, tax-free, and over a million eligible people never claim it. Who qualifies and how to apply — plus the benefits it unlocks.
Fuel Allowance: €33 a week toward winter heating
Around €924 over the season toward your heating. The income limits that catch people out — and exactly how to apply through MyWelfare.
How to cut your Council Tax (most people can)
Reductions, the single-person discount, hidden disregards, and challenging a wrong 1991 band for a backdated refund — all four checks explained.
The 5 UK benefits you're probably missing
£19bn goes unclaimed every year. These are the five most-missed — who qualifies and exactly how to claim each one.
The SEAI grants playbook (up to €30k+)
How to stack home-energy grants, pick a registered contractor, and get the most toward insulation, heat pumps and solar.
Is your rent increase actually legal?
In a Rent Pressure Zone your landlord can only raise rent by so much. Here's how to check — and what to do if they've broken the rules.
Pension Credit: £3,900 most pensioners miss
It's massively underclaimed — and it unlocks a free TV licence, heating help and more. Who qualifies and how to apply.
Marriage Allowance in 10 minutes
Worth £252 a year and backdatable four years — over £1,000 for couples where one earns under the personal allowance.
7 bills you should never auto-renew
Energy, broadband, mobile and insurance quietly creep up every year. The switching habit that saves hundreds.
How to spot a fake supermarket deal
1 in 10 multi-buys cost more than buying singly. The unit-price trick that beats every pricing tactic they use on you.
Start investing with €50 a month
ISAs, index funds and pensions in plain English — how to begin without jargon and without being sold something.
Tenant rights most renters don't know
Deposits, notice periods, repairs and entry — the six rights your landlord hopes you've never read.
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