HOMEOWNERS are paying over €100 less for gas and electricity than they were a year ago, and prices are set to plunge further.

USERS have been warned to be aware of hidden fees when it comes to choosing a credit card –described by a consumer expert as “public enemy number one”.

SPENDING on luxury items is down 40% as consumers cut back on eating out, visits to the hairdresser and shopping for clothes.

IRISH consumers are wasting up to €35 million worth of energy annually by leaving appliances on standby when not in use.