You may have seen that we brought you the '365 Money Challenge' earlier in the week which is a genius way to save a shitload of money without even noticing.
Most of January is spent tightening the belt after an extravagant Christmas period so any help or tips about holding on to your well-earned money are always going to be extremely welcome.
Well, this Irish financial expert has proved - for the second year running - that he can save people a lot of money for the year ahead.
Last year, he managed to save a "fictious couple" €2750 in 90 minutes and this year he's back trying to help out Mr and Mrs "Jones" once again.
Eoin McGee was speaking to Ciara Kelly on Newstalk on Thursday and explained how he had again managed to save a "fictitious couple" over 2k in less than an hour.
His secret? Searching for the best and cheapest quotes on a whole host of things at the turn of the new year.
We did it again, tried to save €1000 on your finances in 60 minutes. Did it work this year? Find out on @lunchtiment with @ciarakellydoc about 1340. Blog below (but it will ruin the surprise if you read it ????) https://t.co/hhwwJB8oi9
— Eoin McGee CFP© (@EoinMcGee) January 4, 2018
In his blog, he made up a 42-year-old couple who were living in Naas with a lot of assets and "a personal loan they got from their bank to buy a car and a credit card with a Christmas hangover of €1500 on it."
Not the nicest treat you want after Christmas.
By spending time searching the cheapest; Home Insurance (€76), Car Insurance (€196), Life Insurance (€109), Mortgage Rates (€1,536) and Credit Cards Rates (€136), Eoin managed to save the couple €2,050 in total.
It's obvious to see that the big hitter is the mortgage rate switch and Eoin explains why searching around is vital when it comes to this:
"For this couple, the most expensive variable rate on the market is 4.2% and the cheapest is 2.95%
"Again, serious savings to be had if they move from the most expensive to the cheapest, in their case they would save €1536 in the first year or just under €31,000 during their 20 year term. Yes they will have to pay legals etc but the bank in question would write them a cheque for €2000 which should cover that."
Of course, this particular situation doesn't relate to everyone but if Eoin was to change the characters to a young male/female in their mid-20s, you can be assured he would make some significant savings also.
The moral of the story is to have a scout about this month to try and spot some sneaky saving points in your life for the year ahead.