BEST BUYS

ENERGY Dual Fuel: Energia Cheapest Dual Fuel ValueSaver (direct debit and online billing) Year 1 cost: €1,718.84 (less €30 direct switching bonus) Electricity: Energia Cheapest Electricity (33% discount) Year 1 cost: €909.68 Gas: Electric Ireland Standard Domestic Gas (direct debit and online billing)

Year 1 cost: €678.88 (after €175 online switching bonus) TV/BROADBAND/PHONE Virgin Mix TV and Anytime Mobile plan €49 for the first 12 months and €85 thereafter, 12-month contract.

Year 1 saving: €432. 50 TV channels and unlimited 240Mb broadband minutes to Irish mobiles and landlines. See Switcher.ie. MORTGAGES Variable KBC 3.1% ULSTER 3.1%

AIB 3.3% DEMAND DEPOSITS Leeds Building Society 0.65%; PTSB Booster Bonus a/c 0.55% CREDIT CARDS

AIB CLICK 13.8% For more comparison details of financial products see consumerhelp.ie