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- You include all the household bills you wish us to pay on your behalf.
- You make the agreed weekly or monthly payments into your account and when these bills fall due, we pay them for you.
- With regular monthly bills such as mortgages, loan repayments etc and utility bills, you don’t have to give us the bills; they are paid automatically by us for you.
- There are some bills we must receive such as car and house insurances but most bills are paid automatically by us.
- We automatically revise and update your account each time there is an increase in your bills and your payments are automatically updated.
- You can access your account on-line 24/7 to view all your transactions, view the bills included in your plan and instruct us of any changes you wish to make.
- We carry out a full account review and provide you with a detailed statement annually.
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| What exactly does Home Payments do? |
We provide a household budgeting and bill paying service. Firstly we provide you with your own personal household budget financial plan by listing and analysing your household bills. Your financial plan shows you exactly how much your bills cost you each year and where you stand with your present and future bills. We even out the cost of your bills into one equal weekly or monthly payment. You pay this equal amount into your account weekly or monthly and as your bills fall due, we pay them for you.
By analysing your bills we aim to save you money. We also save you time and hassle as you do not have to pay your bills yourself anymore. You make one payment to us and we do the rest. By having a plan we keep you on track, putting you in control of your finances and future planning. We constantly review your plan and as your bills increase or decrease we adjust your plan accordingly.
Why not enjoy Freedom from your Bills so you can spend your time doing whatever is more important to you ! |
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| How much does it cost me? |
Hopefully nothing - where possible we will help you save enough money on your bills to cover our fees. Our fees range from €5.75 to €6.65 per week depending on how you choose to pay into your account. Is the time you spend organising your finances and gathering information worth more than this?
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| How can you help me save money on my bills? |
| We have many ways to save you money on your bills such as :
- Savings on Health Insurance.
- Reviewing your utility providers.
- Savings on your insurances.
- Reducing interest charges on large bills paid monthly.
- Fewer banking transaction fees.
- Reduced telephone and broadband bills.
We will analyse all your bills for you and advise you where we see savings. Click here to see how we can save you money. |
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| Why should I plan? |
Here are twelve good reasons:
- A Plan lets you control your money instead of your money controlling you.
- A Plan will tell you if you're living within your means. Before the widespread use of credit cards, you could tell if you were living within your means because you had money left over after paying all your bills. The use of credit cards has made this much less obvious. Many people don't realise they're living far beyond their means until they're knee deep in debt.
- A Plan is a guide which keeps you on track. Can you imagine the government or a major corporation operating without a budget plan? No, and neither should you.
- A Plan can help you meet your savings goals. It includes a mechanism for setting aside money for savings and investments.
- Following a realistic Plan frees up spare cash so you can use your money on the things that really matter to you instead of frittering it away on things you don't even remember buying.
- A Plan helps your entire family focus on common goals.
- A Plan helps you prepare for emergencies or large or unanticipated expenses that might otherwise cause you financial difficulties.
- A Plan can improve your relationship. A good Plan is not just a spending plan; it's a communication tool. Done right, a Plan can bring the two of you closer together as you identify and work towards common goals and reduce arguments about money. That's got to be good for your sex life!
- A Plan reveals areas where you're spending too much money so you can refocus on your most important goals.
- A Plan can keep you out of debt or help you get out of debt.
- A Plan actually creates extra money for you to use on things that matter to you.
- A Plan helps you sleep better at night because you don't lie awake worrying about how you're going to make ends meet.
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| Who uses your service? |
We have clients from all walks of life including single people, couples, housewives, househusbands, trades people, professionals, newly weds, newly divorced, retirees, poor time managers, good time managers, poor money managers and good money managers.
Most of our clients have in common an understanding of how important good household budgeting/financial planning is and wish to plan for their current and future financial needs enabling them to make smart decisions about their money. Most have better things to do than spend their time dealing with their bills.
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| What bills can I include in my account? |
| You can include any repeat bills or expenses in your account including all the usual household bills such as Mortgage repayments, Loan repayments, Utility bills, Car, Life and General insurances, Cable TV, TV licence, regular Credit Card payments, School fees, Membership fees etc. You can even include savings and holiday costs, back to school costs and any other costs so you can provide for money at the times you want it most.
In fact most bills, whether household or otherwise, may be included. We have a fixed fee irrespective of how many bills are included in your account or the total value of those bills.
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| When do you pay my bills? |
| As your bills fall due, we pay the relevant company directly, on your behalf. Companies are paid electronically where they have the facility; otherwise we pay each company by cheque.
We pay regular monthly bills such as mortgages, car loans, life insurances etc. automatically at the end of each month. For annual bills such as car tax, car and home insurances we pay these bills in the week that we receive the bill from you.
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| How do I pay you? |
We have five easy ways for you to pay into your Home Payments account.
- Direct Debit - Sign our direct debit mandate and we set up your agreed weekly or monthly payment into your Home Payments account. If your bills increase or decrease you do not have to do anything as your direct debit payment will be adjusted automatically.
- Laser Card - Phone or drop into our office with your laser card details and we can debit your bank account and credit your Home Payments account with your payment.
- By post - You can post in your payment to our office by cheque, bank draft or postal order weekly or monthly.
- Call to our office - Just call in person to our office weekly or monthly with your payment.
- Collected at your door - Our representative can call to collect your payment weekly or monthly, where we have a representative in your area.
Call us today on 1890 92 92 55 to book your free, confidential, no obligation consultation and find out how you can enjoy Freedom from your Bills. Or simply fill in the short application form on this page and one of our financial consultants will be in touch with you.
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| But I already pay all my bills by direct debit, why do I need Home Payments? |
Most people have pretty much the same income every month. Wouldn’t life be easier if you had the same outgoings every month? With Home Payments it is. One, agreed, fixed, equal weekly or monthly payment is debited from your bank account to cover all your bills. You then know exactly how much you can spend on other expenses such as shopping, leisure, savings and investments with the peace of mind that your bills are provided for.
You can avoid overdraft interest which can occur when large bills are debited to your bank account or a number of bills are debited at the same time. Reconciling is very easy, with our on-line transaction statement, a job that most people dislike and tend not to do at all.
You have only one payment to track, the payment to Home Payments. Our financial plan puts you in control as you know exactly where you stand with your bills and always have the money as they fall due. You can make informed financial decisions on spending, saving or investing with up to date, accurate information.
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| But I have enough money to pay my bills, why do I need Home Payments? |
| Every business plans their finances and knows what their annual costs are. No matter how much money they have, they still need to manage their cash flow. Personal finances are no different. Do you have all the information you need about your personal finances to make informed decisions on major purchases, savings and investments at your fingertips? Is the time you spend gathering all this information more valuable than our €5.75 per week fee? |
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| How do I plan for my Credit Card payments? |
| Many people find that controlling their credit card bill is the most difficult part of their household finances as this bill varies so much. With our Income & Expenditure financial planner in our Client Login section, we provide you with a personal, private and confidential planner for all your other living expenses such as shopping, holidays, dining out etc. This assists you detail all your living costs and to realistically assess how much you spend annually on your credit card(s).
When you have your estimated annual credit card figure, you can choose to include it as a regular monthly bill in your Home Payments account. We can credit the monthly amount automatically to your bank or credit card account to cover your average credit card bill. Simply contact us and we will assist you with credit card management. |
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| What bills do I need to give to you? |
The bills you must give to us for payment are mainly annual bills such as car and house insurance, car tax, refuse collection, services charges etc. Giving us these bills could not be easier. Just go on-line, fax, email or post them.
Regular monthly bills such as mortgages, car loans etc. and utility bills, i.e. electricity, telephone and gas, are paid automatically. Where we can make payments automatically, we will. For loans we just ask you to advise us of any change in amount of payment or when the loans are finished.
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| How do I work out my weekly or monthly payments? |
You don’t have to, we do it for you. Firstly, at your request, we will arrange for a consultant to contact you and arrange a convenient time to discuss your personal household financial budget plan. This can be done on the phone, on-line, in our office or in your own home, depending on where you live.
Our consultant will analyse all your bills to calculate your annual out-goings and will break these down into an equal weekly or monthly payment. Then the decision is yours. And remember, you are under no obligation whatsoever, so you have nothing to lose and everything to gain.
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| What about the bills I may wish to pay personally? |
No problem! For bills you wish to pay yourself, simply give us a call and we will transfer the money into your bank account or send you a cheque payable to you or any other nominated payee.
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| How can I be sure my bills will be paid on time? |
Our reputation is built on paying bills on time. Our computerised payment system was designed especially for us. We work closely with many companies and ensure that bills are paid on time and automate payments where possible. Monthly bills are paid automatically towards the end of each month. Electricity, gas and telephone bills are paid by direct debit through our bank account, ensuring payments are made when due. Annual bills are paid as we receive them from you.
Simply go on-line 24/7 and check your account to see when each bill has been paid.
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| How do I add, change or remove a bill on my account? |
Just go on-line or contact our office by phone, fax or email with your instructions and we will do the rest.
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| How do I get started? |
Getting started is very easy. Simply complete our Enquiry form or contact our office and we will do the rest. It’s just 8 easy steps to Freedom from your Bills.
Step 1 Your consultation with one of our friendly consultants.
Step 2 Your Household Financial Budget Plan is verified and approved by our office.
Step 3 Your approval letter is issued to you together with a written copy of your Household Financial Budget Plan.
Step 4 We will call you to discuss your Plan, answer any further questions you may have and agree a start date.
Step 5 You return the completed Client Authorisation Form together with a copy of your identification and an original utility bill.
Step 6 You return the completed Direct Debit mandate form to our office, if you have chosen this method of payment.
Step 7 You cancel any direct debits and standing orders using our printed forms for bills we will be paying on your behalf, prior to us making the first payments.
Step 8 Upon receipt of your first payment into your account, we will issue you with your account number and payment receipt book.
Call us today on 1890 92 92 55 to book your free, confidential, no obligation consultation and find out how you can enjoy Freedom from your Bills. Or simply fill in the short application form on this page and one of our financial consultants will be in touch with you. |
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