Budgeting mentor Santis O’Garro explains how to deal with rising costs


Presented by Conor Pope, Irish weather consumer correspondent, and Instagram budgeting mentor Santis O’Garro, The price of everything is a brand new six-part series on RTÉ One that will look at the rising cost of living in Ireland in 2022.

Ahead of tonight’s episode, we caught up with budget guru Santis to chat about the show, his top tips for cutting expenses, and the joy of a cashless day.

“I feel like I’ve manifested that,” Santis laughs, talking about his role on the timely show. “I love Conor Pope, I love him and his articles, and I always listen to him on the radio, and now I’m sitting next to him and talking about things I really want to talk about.”

With multiple television and radio appearances behind her – including a superb interview on Tommy Tiernan show – O’Garro has amassed an impressive 23.9k followers on Instagram (you’ll find her as The Caribbean Dub).

Breaking her silence on the taboo subject of money, the single mother went public with her story of settling her debts and has since made a career out of helping others do the same.

Sharing everything from budget advice to advice on food waste, the money mentor says she’s witnessed growing panic surrounding rising costs in Ireland in recent months. And while some may be feeling the pinch of their paycheck for the first time, others are coming at the end of their tether.

“Some people live in the middle of the country and they’re completely disconnected if they don’t have a car, but now they’re struggling to maintain the cost of their car. There are hard choices people can’t make, that’s the feedback I get.”

“If you live somewhere where you can pay your rent but not your car, and you can’t pay rent anywhere else, what are you supposed to do?”

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These are the questions that Irish weather consumer correspondent Conor Pope will pose with those in power. From food to transport, from housing to education, from energy to the cost of insuring our health and how the costs of these basic necessities are rising beyond all of our expectations, Pope will explore what is next. blame and how we can stem the tide.

Meanwhile, Santis will check in with some of the people struggling to cope with the cost of living in Ireland in 2022.

“People make decisions they shouldn’t have to make even if they’re doing everything right,” she explains. “That’s what kills me. We’re not talking about a penny increase in fuel, that’s a big change. Those extra euros are a lot for those on a tight budget, and that’s what I’m talking about.”

In tonight’s episode, Santis meets single mother Sally who has to cut back on various aspects of her life to make sure she can feed her three children. This is not an easy task given that the price of the most basic items such as bread and pasta has risen.

“She’s already on such a tight budget,” Santis says, “I think that’s what’s going to shock people. Nobody can live like that long term, you’re going to burn yourself out.”

For those who want to budget smarter or start planning big expenses like summer vacation or school uniforms in advance, Santis suggests a financial calendar.

“I call it an NCT budget,” she laughs. “You’re going to be going through your payslip more than ever. Go back six months and start looking at what’s actually coming out.”

Whether it’s unsubscribing from apps you forgot to download or learning how to say no to a party, O’Garra says seeing your money in black and white can help you prioritize things. that you actually want to spend your hard-earned money on. .

“What is a desire? What is a need? Then look ahead and see what’s coming. When you write down what goes into your account and what goes out, you put it on the calendar so you know visually when your rent is due. . This awareness goes a long way. “

Speculating on consumer culture, Santis says the instant gratification we get from spending on an unplanned purchase is depressingly short-lived. These days, since getting out of debt of her own, the single mom says money can’t buy the contentment she feels on a day without spending.

“You think hanging out with friends or having a drink is going to make you happy, but that’s not the case if you don’t have the money. It’s not relaxing if you can’t pay your mortgage or whether to borrow money and go into debt.”

“The days I spend money, I plan the days I don’t,” she adds. “If I get paid on a Friday, I fill up the car and run errands, but then Saturday and Sunday we go picnic; we go hiking; we go downtown to the gallery. art; we’re going to visit family and bake a cake; ride a bike – whatever.”

“I don’t want instant gratification from spending, I want joy from not spending,” she concludes. “I had 230 days without expenses in a year and paid €15,000, and I didn’t leave feeling like I missed out on anything. There’s something about that.”

look The price of everything Thursdays at 7:00 p.m. on RTÉ One.


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