Spending

Understand your spending and make every euro count.

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Mindful spending

When practicing mindful spending, keep these aspects in mind:


Intentionality

Make every spending decision deliberately.  Avoid impulsive or habitual choices.

Awareness

Understand why you’re spending money and how it impacts your financial health.

Money talk

Open up about the spending woes or savings worries to your friends and family.

Alignment with goals

Make sure your spending supports your broader life goals and values.

Differentiate wants and needs

Exercise self-discipline by knowing the difference between things you need and what you want.

Reflection

Regularly think about your spending patterns and adjust them as needed.



Track your spending, use our app.

To help you with mindful spending, we have created a tool that lets you look at your daily, monthly, and yearly spending in greater detail. It’s called Mi365 and you can find it in your Bank of Ireland mobile app. It’s important to note you must have a Bank of Ireland current account to use this feature1.

 Mi365 highlights spending patterns, such as rent or groceries versus clothes shopping or nights out, making it easier to manage your money.
 It also helps you track your accounts, bills, and subscriptions, so you always know where you stand.



Learn more about our mobile app

Money Insights 365 (Mi365) is a tool that can help you take control of your money now and into the future.

Learn more about Mi365


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The information prepared above by Bank of Ireland “BOI” is for information purposes only and does not constitute financial or tax advice. You should seek assistance from a professional if you require financial or tax advice. No liability is accepted by BOI for any errors or for any loss to any person in reliance on this information. BOI believes any information to be correct at 26/06/2025 the time of publishing and the information is subject to change without notice. BOI does not make any representations or warranties in respect of the accuracy of this information and is not responsible for the content of external sites. Please refer to our Terms & Conditions for the use of the Bank of Ireland Group Website for further details. Bank of Ireland is regulated by the Central Bank of Ireland.

Contact us

Log in to 365 online, select Services and Send us a message.

Call us on 0818 365 365, 9am to 6pm Monday to Friday. Saturday 10am-2pm.

Tweet us @talktoBOI 8am–8pm. Response within 15 minutes.

1 Requires Bank of Ireland current account and online banking. Monthly maintenance charges may apply.