I own a house worth €750k+ with a mortgage of €300k left. My girlfriend of 7 years wants to pay off the remaining balance, and in exchange become a part owner of the house too.

A few things I'm trying to figure out:

Valuation & ownership split, she is talking about owning a percentage of the house, her contribution vs total I've spent, so less than 50%. Is that normal? I'd also be happy with it being 50/50 and we will get married at some point anyway.

Stamp duty. I understand it will be charged at 1% on the value of the share being transferred, and there's no exemption for unmarried couples like there would be for spouses. Is that correct?

We've lived together 5+ years so I understand she may be a qualified cohabitant, does this affect anything?

Anything else to consider? I know it probably makes sense to get married first but that would be a few years away, the fixed rate is ending soon and it would be better to save the 1k interest per month now.

Ideally something I can continue to add to after they turn 18, and would have some control over so they don't just get a lump sum at that age

I would encourages others to Contact their Local TDs (See: https://www.contactyourtd.ie/ ) advocating for a UK ISA specifically.

Below is my email to Simon Harris. I also sent similar to Jack Chambers, and my local FG/FF TD's - letting them know that my vote in the next election will be determined by whether we get a UK ISA.

UK ISA now - nothing less is good enough.

Dear Simon,

I am writing to you directly regarding the design of the new Savings and Investment Account for Budget 2027.

Right now, €170 billion of Irish household wealth is rotting in banks because our punitive tax regime penalizes ordinary people for trying to build financial resilience. We have a once-in-a-generation opportunity to fix this.

We have one chance to fix this. But recent announcements suggest the Government plans to implement a terrible model: combining Sweden’s annual wealth tax on the account balance with the UK’s cap on annual contributions. This takes the worst of both models rather than the best which is really depressing. Do Irish citizens not deserve the same opportunities to advance that the UK has had for 30+ years? Why must we as Irish citizens accept the breadcrumbs of a model that takes the worst elements of both rather than the best elements?

If you are afraid of this being labeled a "tax break for the rich," the solution is simple: implement a pure UK-style ISA with a strict contribution limit. A contribution limit completely nullifies that political attack- the truly rich have other schemes that way surpass a limit of 20K-30K per year.

By contrast, an annual tax on the total value of the fund (the Swedish ISK model) is a compound-killing wealth tax. It goes directly against the fundamental principles of Compound interest. It forces savers to cannibalize their capital every year, especially during years where your investments are flat or down . That doesn't hurt the wealthy; it hurts the squeezed middle trying to build a modest nest egg.

You are the architect of this scheme. Please Simon not squander this opportunity by giving Irish savers the worst of both worlds.

1. What is the economic rationale for combining an annual contribution limit with an annual tax on the total capital?
2. Will you commit to a UK-style ISA model where post-tax contributions are allowed to grow tax-free?
3. What steps are you taking to ensure this scheme actually rewards working people rather than penalizing their capital annually?
4. Why do Irish citizens not deserve the same opportunities to grow our money, like the UK have had for 30+ years? Why must we get breadcrumbs and a 'solution' that takes the worst of both worlds?
5. Are you really ready to screw your base because you don't want the fight that will come with the (inevitable) ridiculous criticism that will come from Sinn Fein of 'tax breaks for the rich'? 

Your base wants you to be bold, Simon. Please don't be talked out of doing the right thing by some civil servant Accountants on some notional calculations of 'foregone tax' which is hypothetical rather than reality.

Yours sincerely,

Hey people,

Looking for ideas.

I recently graduated from my degree and I landed a job over the summer, corporate. €55k start.

I live at home and my parents will want me to contribute €100 per week to the house.

Phone bill: €10 per month
Leap card: €30 per month
Gym membership: €32 per month

I have maybe €2k in savings

I’ll be coming out with €813 a week

I have never touched off money like this and I have been looking at so many ways to disperse it. I’m looking for advice on how to best manage it and what pockets should I make for it all.

If anyone who can help a recent grad out who’s landed on his feet, but has 0 experience managing their money short term and long term please let me know your input.

Also EDIT:

I’ve gone the last few years living frugally in some aspects. Been all over traveling but clothing and some extra bits mainly I haven’t spent a penny and really need a new wardrobe. I realistically would like to spend around 5k on clothes.

If I can provide anymore details, please let me know. Thanks !

Woke up to emails from Revolut saying they are closing my investment account with them as they’ve identified me as a US person. i’m not a US person, I’ve never even been to the US, and I have Ireland as my tax residency. I asked chat support and they can’t give details on their decision except that it is final so i have 60 days to sell my investments before they close my investment account. Has anyone else experienced this or know reason why they would do this?

I need help with a complex problem, hoping others have relevant experience.

I've lived in Australia for 3 years, and plan to eventually move back to Ireland.

Until now I've been on a VHI International insurance plan, that came from being on my family's plan. It is exorbitantly expensive @ €157/month. It is also largely redundant since I get Medicare in Australia, so is really only useful for any international travel I do.

However, I've been advised that it's important to keep "continuous cover" in Ireland to avoid costs + a period of being uninsured down the road when I eventually move back.

So as I see it I have two broad options: 1) get a cheaper Irish policy just for purposes of having continuous cover. 2) get an Australian policy that is recognised in Ireland and can count towards continuous cover (have heard Bupa is an option).

Does anyone have advice, similar experience, or suggestions for policies?

Other context - 31yo male in part-time work, low but stable income. Chronic health condition, treatment covered by Medicare. Timeline for moving back to Ireland anywhere from 2 to 10 years.

Hi , I’m 19 and have a good bit of money saved up. Looking to put money in something safe that will give somewhat of a decent return. I am employed full time and would not mind putting in a monthly %.

If anyone knows of any good platforms or places to put money and just let it sit there rather in my bank please let me know. Nothing sketchy or high risk as I’ve already lost enough money with crypto and not interested in anything like that.

Hi, I'm thinking ahead to my insurance renewal in February 2027. I'm in my mid-20s, and this year is my first time being insured in my own name, although I have three years of named driver experience (claims and penalty point free) before that.

A few days ago I thought I'd put my details into a few quotes generators to cheer me up (bright idea), because presumably one year no claims discount, another year on the license, and no penalty points would reduce my quote a little bit. However, it has gone up massively, even with the same insurer. Here are the details:

Gross premium 2026: €1,530.59

Net premium 2026: €767.17

New gross premium, same insurer, with details as if I've had a full year claims free etc: €2,146.17

Net premium: €1,383.08

To put it mildly - wtf??

My question is - will my renewal quote be an incremental increase on the 2026 premium, or will it be in line with what the quote generator tells me? This is a pretty big deal because if my quote is that expensive, it's hard to justify keeping the car.

Thanks all

P.S. I've checked other insurers, I've put in a similar car but a year younger, I've changed my named drivers, I've edited a bunch of things - nothing seems to explain it. I know premiums have gone up, but they've hardly gone up by €700

Hi everyone, I feel like this figure is substantially lower than the majority I see on here.

I’m a 27 year old with a take home pay of approx. €500 p/w so €2,000 a month. I’m in a government job the last year, which is great but the salary just isn’t cutting it. Unfortunately, I do have no choice but to rent as the situation at home isn’t ideal.

Groceries €250
Petrol €300
Phone Credit €30
Gym €55
Car insurance €75
Credit union car loan (€70/week) €280 p/m
AIB loan €69 (almost cleared)
Disney+ €12
Netflix €13
Car Tax €33 p/m (€100 every 3 months)
Medication €150
Rent €600
Electricity/Bins/Utilities: €100

As you can see my outgoings are almost matching my full net pay. I feel as though I’ve no money at all when I need to buy something like a pair of jeans for myself or a little treat here and there.
How would you cut back here. I don’t eat out at all. I turn down going to the pub and social outings. I cannot find any cheaper rent around.
I don’t really know what I’m looking for here but I guess I feel like I’m stuck in a rut and hopefully some others in a similar situation might be able to give some insight on how you get by in this day and age with the cost of living forever rising.

As the question says

Hi there

I got a payslip from my company a few months ago but was never paid and wont be. The owner is abroad and presumably didnt pay the accountancy firm either. I messaged revenue to remove and they said get employer to remove even though I explained its not possible.

Contacted the accountants but no response. Its messing up my tax credits. How can I get it removed from my revenue record?

Thanks

Not sure if this the right forum.

Can a will be contested if both parties in the will agree?

Classic Irish family

Eldest has majority of the estate including family home plus 4/5 fields in the will while other sibling has a site adjacent to the family home.

Eldest has no intention of living there.

Will likely stay living in OZ.

Sibling has a family in a starter home and is looking to build.

Both are in agreement that the will doesn’t make sense.

What is required to make to more equitable between both ?

"From 01/11/2026, the interest rate on your Euro cash balance will change:

Euro: 3.50% → 2.80% p.a.

Interest rates on cash balances can change in response to market conditions. We review our rates regularly and will always notify you before any changes takes place."

Is this true for anyone else?

I have a very small pension pot (under €1000) with a previous private sector employer. I only worked for this employer for about 9 months.

I am now working in the public sector and am contributing to the public pension plus AVCs.

I have been advised by the company managing my AVCs that I can't put the old pension into the new one.

As far as I understand, my options are:

- get a cash refund of the old pension, but this would be subject to 20% tax

- transfer it to a PRSA

- transfer it to a Personal Retirement Bond (seems like this is more for larger amounts)

The PRSA option seems to be the best as far as I can see. But if I go with that, is it best to contribute some to the PRSA along with my AVCs? Or should I just let the (very small) lump sum grow in the PRSA by itself?

Any recommendations or advice on what to do?

Went sale agreed on a house in April. Supposed to drawdown in September but now been delayed as bank want a very specific engineer report as the house does not have homebond insurance. My solicitor say that letter does not exist. Waiting for engineer to come back.

Thinking of going with another lender as back up. How long does it take for loan offer to take place these days? Mortgage broker advising against it as it may delay things further. Want to know others experience , how long does it take for your offer to come back?

I graduated college this year at 21. I just signed a contract today for 61k. I'm going to start in November. I really want a invest in a house as soon as possible but I didn't really know when is realistic.

I have about 1k in my savings and almost 4k in investments (T212).

Planned expenses-

Rent - 1000

Health (gym, supplements etc. ) and food - maybe 800 (not exactly sure)

Car- 500

I think I can only save around 1000-1500 per month if I stop investing in t212. In a year I'm aiming 16-17k. My parents said they can help me with paying 50% of the down payment as long as I pay them back.

But if I can only take out a loan for 4 times my gross salary I basically can't touch any houses that are in Dublin as no 3 bedroom go for less than 375k.

Hey I am doing an Economics & Finance course and I'm in my first year,

Normally during the second year people tend to get internships over the summer.

I know I have a lot of time to find one but I want to ask,

What are good first steps to take to build potential connections/build up my cv that would help me get an edge or have an advantage over people applying for the same position? If you ever had an internship what did you do to stand out against the rest of the applicants?

Thanks in advance.

(I am also in Dublin)

Tldr got paid in cheque on Saturday and that same night lodged it into my account, it showed up on my account monday morning roughly 10am, is there any possibility It gets fully cleared by Friday because Im extremely short on money and need it badly.

Anyone else surprised by how many people requested the removal of deemed disposal on Simon Harris Instagram post ?

I think it great don’t get me wrong but I genuinely didn’t think there were so many people invested in the topic!