advice & support

Hi all Myself and my partner have saved over €45k for a deposit. Mortgage approved. But with all the bidding wars going on and the current crisis, we are debating leaving and coming back in a few years. OR try buy and rent it out. Any thoughts on this are very welcome and appreciated

Hi all. Just wondering if someone could shed some light on something. I’m strongly considering starting a very small business from home selling clothing products. I have a supplier sourced and I know that the type of clothing will be popular with the right audience, in which I’m heavily...

I worked at Burger King for 6 months during my 6th year, but my mom insisted I wait until after my first semester of college to continue working. I attend Trinity College and prefer a job in town or within a bus ride from there. Despite not spending much, I mainly use my money for lunch. While I...

About to start my last year of college in September and I am contemplating whether to work part time or not through the college year. For context I am fortunate enough that I will not need to work to survive getting by (food, accom etc), but more so for personal enjoyment like going here and...

Just curious what people's thought are. Right now their interest rates are worse than they were (3.6 when we fixed) and there is word that ECB will reduce rates soon but everything is so uncertain, who knows what will happen in 6 months let alone 3 years. Also there are better alternatives out...

So I’m a 37YO solo first time buyer. Have been on the island for over a decade and built my life from scratch with no generational wealth or support on my back. I’ve now got two approvals so far, one from BoI for Mortgage amount: €383,500 Cashback: Monthly repayment: €1,822.86 Property...

Myself and my wife received a belated wedding gift of 5k from a relative recently. We are both renting, v little in savings, approx 4k atm, have 10k loan left to pay. Both in good jobs (combined income approx 120k gross) My inclination is to split the gift, 1/2 in emergency fund, 1/2 off loan...

Hello guys, Found out last week I’m gonna become a dad. I’m thrilled and super happy, but after a week of positivity, I need to take care of some things. I’m 25 my wife to be is 24. My take home is €2600 a month (this is base pay, I’m a Sales Manager, and I do get good commission, but some...

I’m looking to make an AVC lump sum to my pension for 2022 to maximise tax relief. However, I received a salary increase in April 2022. In order to calculate my max contribution (20% threshold), do I calculate it as: A) (Jan - Mar Salary x 20%) + (Apr-Dec Salary x 20%) B) Or am I entitled to...

Hi everyone, Basically as the title says, I am a 23 year old and I am not sure what to do in order to make the most out of my money. I have followed the stickied flow chart and have gotten to the end of it. I have paid off of all my debts and am starting to invest a little bit. These are my...

Morning Hope you are all well and warm? Im looking for advice/suggestions on a few things. Backstory Wife,son and I recently moved from South Africa --> Ireland. To do so we sold up everything and burned every shred of savings we had ( may not present as the smartest move but we had to...

Hi everyone, Hoping to send around €40k from Ireland to my US bank account. Current going rates at banks like AIB or BOI are $40-41k meaning they’re cutting about 1-2k in commission which is a bit mad IMHO. Any good and reliable service where I can send this money to my US bank account? I’ve...

I’m making €400 per week and taking a gap year. Will be starting college in September. The bus service in my area is beyond unreliable and the parents are sick of driving me into work each day. The road is too dangerous to cycle on even though it’s a 50km/h , many fly down going well over...

Hi all, Apologies for the formatting I am on mobile. I hope someone will be able to give me some advice. I’m 27(f), hoping to go back to medical school under the GEM programme in the near future. I’m working on it from a entry standpoint (entry tests etc) but my biggest hurdle is the...

Hey all, Looking for advice here and understanding. Sorry if the message comes across as anything other than genuine. So, say all in with PAYE and locked in bonus, pension contributions and EPSS have a salary of €120,000 ish. Weekly work hours of 37 honestly more like 34 with breaks factored...

I am currently making an excel for the mortgage rates listed on CCPC.ie A Product BOI 4 Year Green HVM Fixed LTV >80% B Term 20 C Initial 4 D Follow On 16 E Initial Interest 2.9 F Follow On Interest 4.5 G Mortgage 384300 I matched the initial interest monthly repayments...

I’m 23, in my first year of a PhD. My stipend is €18,000 per year. I count myself very fortunate that my expenses are just less than half of my stipend. I have ~€20,000 in a current account. About another €1,000 in stocks and crypto and that’s it. Looking for advice about what I should be...

I finished up my Business degree from an IT college last Friday. I'm expecting a 2.2, hopeful of a 2.1 - I also have the option to repeat 2 modules in August (repeats) if I want to, I passed but had Covid at the time so I get a 'do-over'. I don't know where to go next - I've applied for...

Ordered a sky glass off them in January. Paid €120 upfront for the tv and one package. Got it. Realised it was too small and we wanted the bigger 55’ one. We literally turned it on twice. Spoke to them and they cancelled the order and they told me to reorder. And they’d have to issue me a...

You can look for redundancy after 4 weeks after going on a 3 day week. then the company can counter act that within 7 days , if your still on short time after 10 weeks they have to give you your redundancy? Is that right? Can they just put u back on one week 5 days and then back to 3 days and...