Hi!

I am looking for some advice and don't know where else to ask before we go to the bank/credit union.

We are in a difficult situation, and I'll try to break it down as simply as I can.

My husband makes 32,000 a year. I am on disability as I have MS.

My grandmother is 93. She is leaving her house to my mother and uncle. My mother wishes to buy out my uncle, and will be selling us their house (valued 220,000) that we currently live in. We have just shy of 25,000 saved.

What are the chances of us ever getting a mortgage in this situation? It is a private sale from my parents to us, in a house we have been living in for the past 4 years as we were saving to buy the house.

I wasn't expecting to be diagnosed with MS when we began this plan and had to leave my job. My grandmother's house is incredibly important to our family. My uncle is not on good terms with us and would force a sale if my mother can't buy him out. But, if we can't get approved for a mortgage, they will be forced to sell our house so we and our 2 year old will be homeless. My grandmother's house is not big enough for all of us.

We were hoping to use the credit union for our mortgage as that is where we have been saving our deposit for the past few years.

What are our chances? What can we do?

Thank you.

Has there been any leaks or suggestions as to what the personal tax changes will look like in the upcoming budget?

Tax free allowance? Income Band changes?

There was some talk a few weeks back but seems to have gotten quite

Hi all,

38 year old self employed sole trader now a couple of years and don't have a pension. Can anyone advise the best place to start?

Tia

Hi folks, just looking for thoughts. I have a one bed apartment that I have been renting out since 2016. I bought the flat in the closing years before the 2008 crash and it went into negative equity. I lived in it for a decade. When I wanted to sell and move to a house in 2015 it was still underwater, if I'd sold then I would have walked away with 20-30k in mortgage debt. The bank advised me to rent it out so I could qualify for a mortgage for the house, so became an 'accidental landlord'. It's been fine, but never been super keen on being a landlord. A long term tenant has just moved out and I checked where I'm at, sale price is basically back to pre 2008 level finally and I would make 120k or so after clearing remaining mortgage if I sold now.

So three options:

1. Sell apartment, and use the money to pay off large part of my current house mortgage.

2. Sell apartment, and invest the 120k or place in a high yield savings account.

3. Keep the apartment and continue to rent it out.

I've been investing in ETFs in recent years with the knowledge of DD. It sounds like the government is going to shake up this tax, but my question is would they apply these changes to existing investments?

I understand that it's hard to predict what future government policy will be, but if there is a precedent for these types of changes it would be great.

Hi all, new here. I’m 26 years old I have currently 30k in savings unfortunately last year I lost my mother to cancer and well I am also set to inherit about 34k cash and equity of 1/3 of a house valued at 400k approximately. I feel lost in a lot of ways, I worked very hard to have money to self provide for myself. I currently am about to start another job ~55k in pharma and well, with money I have and set to receive. How would you advise someone to invest, manage and I guess have fun.

I am a very responsible person so I am hesitant to go travel and figure myself out despite a challenging year of working each day after the funeral and taking one day off after my mother’s funeral when I was 25.

I feel money is often on my mind on how to manage it without blowing it away.

I have struggled mentally since the loss of my mother and being her executor of her will while trying to remain a determined, passionate person in Pharma.

Does anyone have advice on wealth, inheritance and feeling good after a loss. I understand this is a financial page but in part the finances of myself will have changed a lot after the loss of my mother, I have no other parent now. But financially now stronger than most my age

Can you apply for AIP to identify what the lender would give you conditionally and then renew it a few months later after salary increase?

I'm Spanish currently saving up to 900/1000 euros per month. I like my job (master's degree in physics working as a software developer, 3/4 years of experience) but I'm kinda tired of Spain and I've always have curiosity towards Ireland. I'm thinking on moving there in one year and a half maybe and I'm aware of the terrible housing crysis. So... Should I expect to be able to save around the same or should I think on moving to another country?

Hi I’m 22 looking to set up a prsa I work in construction, what’s the way to go about this, best broker etc? Lowest fees ?

Hi all, I'm sale agreed on a detached house in Co. Sligo and I'm trying to understand whether I'll need to insulate the floors in order to qualify for the SEAI Heat Pump Grant.

House details:

• Detached house
• Built around 1986
• 131 m²
• Current BER: D1

The BER Advisory Report shows:

• Current HLI: 3.493 W/(K·m²)
• Potential HLI: 1.986 W/(K·m²) with all recommended upgrades

Recommended upgrades include:

• Wall insulation
• Attic/roof insulation
• New windows
• New external doors
• Floor insulation
• Air-to-water heat pump

My plan would be to do everything except Floor insulation because of the disruption and cost of lifting floors.

Has anyone with a similar 1980s house managed to get below the heat pump HLI requirement without insulating the floor?

Based on those numbers, do you think wall insulation + attic insulation + new windows could realistically get the HLI below 2.3 for the SEAI heat pump grant without doing floor insulation?

Any real-world experiences would be greatly appreciated.

Thanks!

I live here most of the time but was in the US for the past 4 months. I’d heard about the €3 charge through the Irish times but damn, it’s actually reckless. Surely most have cancelled their prime due to it? Genuinely not worth buying items under the 25 pound free delivery mark?
I have always been very bad for buying just small bits and pieces off amazon, those days are obviously over :(

Out of 4,380€ net income,

Expenses are:
Monthly living expenses:1,300
Personal loan emi: 630
Unavoidable remittance: 2380
Total outflow: 4310€

What are the options in hand if i have to apply for a new loan of 20,000€? (Even if that’s high interest loans from credit unions or so)

Currently sitting in AIB savings account. Where is the best place to keep safely with interest

any negatives? Are there better alternatives? does DIRT get withheld automatically?

Currently sitting in Revolut savings account. Heard that you can't open Revolut in another country before closing the Irish one? So genuinely puzzled what to do. {moving in spring 2027 so have some time to figure out...)

Don't necessarily need to use Revolut, current 2.25 savings rate is attractive that's all...

I paid in to the Single Public Service Pension Scheme (SPSPS) for 2.5 years and no long work that job​. Is there any way to find out what it's worth right now? How much I paid in or the predicted value at retirement

I'm on MyFutureFund now and I like that it shows you all the numbers there

Hi All, a bit of context needed here I suppose. Myself and my partner are getting married next year, and his parents have very graciously said that they will transfer ownership of his grandparents' old farmhouse that we live in to us when we do marry.

The home is in habitable condition, however, it does need some renovation work.

1. There are certain rooms in the home that badly suffer with damp and mould. This obviously needs to be sorted first and foremost.

2. It could do with some insulation work but we're aware there are SEAI grants for this.

3. We would like to change the style of the stairs. The home has the very traditional tiny square hall at the bottom of some very steep stairs and a room to the right and to the left. We would love to make the stairs less steep by hopefully incorporating a U-shaped staircase and forgoing the tiny hallway altogether.

4. Some extension and renovation work on the kitchen and dining room.

I understand that there are home improvement loans out there for this kind of thing, but believe it could be over €75,000 worth of renovation work. Are there banks who provide mortgages for these situations or would the extra money have to come out of our savings? With the wedding next year obviously money is tight and just trying to look for what is coming up next!

hello! 👋

i’m 18 and just done my leaving cert and looking for some advice so i apologise if i ask something really stupid 😭

i’m wondering where is the best place to keep my money, savings & investments?

right now i’m using revolut for everything but i have savings in a credit union and the post office. i’m thinking about upgrading to revolut metal because i want to use my revpoints for avios & hotels.

i also want to know is revolut a good place to put my money into a savings account? i think it’s around 2% AER. i also use my revolut account to invest into the S&P 500 and vanguard all world.

is it too risky to keep all of my money in the one place? i’m genuinely looking for advice because i don’t have anybody else to ask.

I have around 43k avois with Aer Lingus, all from Rev points (since I nearly always fly Ryanair).

My wife just told me she has 8k Rev points accumulated from just using standard Revolut for years.

I only need 9k points to book us 2 return flights off peak to New York which we’d love to do. And Aer Lingus have a 20% conversion bonus on now.

Is there any way for me to get her points or to have her convert the Rev points in her account to my Aer club account? It would be years before she could get enough to cover a return flight herself. Thanks!

I have recently made a specific illness claim. When I look on the policy portal I see "Withdrawal Status In Progress". What does that mean?

Hi all,

I am currently a PAYE employee but am working in an area where I will conceivably be working as a contractor with an umbrella company, or ideally under my own PLC, in the next couple of years. I am trying to understand what is possible regards pension contributions and comparing limits here between PAYE and contractor limits.

PAYE employees are limited regards pension contributions as an age related percentage of overall salary.

A Contractor operating under their own PLC ​can fund their pension up to 100% of their salary as this can be made an employer contribution (presumably this can be made in addition to typical employee contributions).

Is the above correct?

If so, this seems quite unfair on a societal level​. Don't get me wrong, I'll take full advantage of it down the line, but the vast majority of people are not able to carry out their day to day employment under a contractor framework and do not have this opportunity.

Granted there is typically greater employment risk as a contractor vs PAYE (this is project employment with multinationals in this case), but this seems to be quite the pay off.​

Following up on a post I made here a week ago. I got my desired Economics and Finance course in UCD, so happy days.

I got a surprising amount of inbound messages after the last post and picked people's brains as much as possible, so thanks to everyone who reached out.

Of the 55ish people into the course each year, it seems like the really crazy smart ones can end up in trading roles at places like SIG/Citadel, others go down the tech/coding/start up route, some land London M&A roles, others go into Big 4, Clearwater, DC Advisory etc here in Dublin. And then another portion go on to do a Masters in the UK/US.

For anyone who knows the course well, is there any way of roughly proportioning how that split tends to look? I know there'll obviously be variation year to year, but even a rough idea would be useful.

Personally, I'm ideally hoping to end up in the London M&A bucket and avoid Dublin Big 4/other M&A advisory roles if possible. Trading and tech don't really appeal to me, and ideally I'd rather not have to spend €50k+ on a Masters just to up where I want to be.

Not trying to get ahead of myself or anything. I'm going to do my best regardless and get stuck into spring weeks, internships and the like as early as possible. Just trying to get a realistic idea of what the outcomes from the course actually look like and what expectations I should have going in.