What to do with spare money in Europe, and in what order
Where an employer or the State tops up what you pay into a pension, the free money can be worth years of overdraft interest. Collect it before clearing expensive debt only if you keep up every minimum payment, your income looks steady, and that debt will be gone within its time limit, counted in months and shorter on a card than on an overdraft. Under Ireland's auto-enrolment, a drop in pay lowers your contribution by itself, so that alone is no reason to pause.
