We are bombarded with warnings that if the Household Charge of €100 isn’t paid by 31 March 31 the penalties will kick in – but what are the penalties? Delay until 30 June and it’s 10%, that’s €10; delay until 31 December and it’s 20%, that’s €20; delay beyond that and it’s 30% and 1% per month. So, I ask: what’s the panic? If you pay now your money is gone; if you don’t want to pay and you aren’t yet certain about making a stand, why not hold off for a few months? Yes, you're risking €10 – it might turn out to be the best tenner you (n)ever spent.