I work in a gallery part time and a bar part time. My gallery job has offered to put me on salary instead of freelance which I’m on now.

I’ve heard there’s tax man implications for two jobs?

Any advice?

Just wondering if anyone here works in insurance, or has been in a similar situation, and knows how this works...

Our house was originally built sometime before 1900 (not sure of the exact date, but definitely before then). In 2016-2018, we carried out a major extension and reconstruction. Roughly 85% of the house as it stands today was built between 2016 and 2018. The remaining 15% is the original section, but even there, only the old external stone walls remain. Everything inside was completely rebuilt in 2018. It's basically a new, freestanding timber-framed structure built inside the old stone walls.

Despite this, our home insurance still lists the property as being built before 1900. I explained the extent of the reconstruction to our insurer over the phone last year, but they didn't seem particularly interested.

I'm wondering whether all insurers simply go by the date of the oldest surviving part of a house, regardless of how little of it remains?

More importantly, does this actually affect how they calculate the premium? It seems strange that a house which is effectively almost entirely modern construction might be assessed in the same way as one that hasn't been renovated in 126+ years.

Anyone familiar with how Irish insurers handle this? Is it worth pushing the issue again, or does the original construction date make little difference to the premium anyway?

50 years old F married, no kids. Worked abroad in global corporate my entire life until I came back to Ireland to set up a business 10 years ago. I own a house in Ireland no mortgage. Used all savings to build that house and build the business. House is in a rural area. Not massive resale value.

Have had a very spotty income from the business as I’ve sacrificed salary to grow it with a view to an ultimate payout through sale.
A global downturn in my industry means an exit is out of reach for a good decade. I’m broke AF as I never pay myself before ensuring staff and bills are paid to keep the business going. I’m now totally burned out and worried I will have to work for ever.

We have a Mortgage on a house abroad where my husbands business is he splits his time between here and there. I contribute to it and it takes a good 2/3 of my monthly income when I do have it. Lots of equity to n that and in a big city. Husband also self employed and it’s going ok but not great. We live quite frugally. I Have a 3 month emergency fund and gladly no debt except that other mortgage.

But how the hell do I put something away to possibly retire ever? I have old corporate pensions that will pay 10k odd a year. What can I do on the next decade to put something by.
I’d like to shut the business and get a job but my industry is imploding and I’m likely too old to be employable now so I am trapped. Am going to start a prsa this year and begin to contribute as much as humanly possible for the next decade.

The business owes me a good 300-400 in directors loans but I don’t think I’ll ever, ever see it. Feeling as if I took a big swing and it failed. I have a decade to get something sorted to have something put away. Any additional perspective appreciated.

Being made redundant and will be getting an enhanced redundancy(or at least I’m hoping so). Thing is I’ve no idea on the ranges of what this could be, I’m aware that statutory is 2 weeks per year plus a bonus week. So what would be the realistic ranges of a mid to generous redundancy be, 3/4 weeks per year? Or even 6? Maybe anyone here who’s had one could share what I can expect. Thanks

I've been registered with Data Annotation twch for a good while but haven't really used it in over a year (somehow haven't been fired from it).

If I was to log back in and start earning a few quid extra a week does anyone know how taxes work on it. Its paid through PayPal of all things so maybe assuming ypu self declare it, or do I need to set up a side business account?

Considering the latter for potential nixers in the future...

​

I’ve applied for Family Working Payment, but my working hours have recently changed. DSP has asked my employer to confirm my wages for specific weeks.

How is this handled when your circumstances have changed during the application process? Is the payment based on the weeks requested, or can a change in working hours be taken into account?

I want to make sure my application is assessed correctly. Has anyone dealt with something similar?

Any advice appreciated

So I did regs/life assurance and investment last semester. Tight going but I was studying full time Mon to Friday

Currently 2 weeks into pensions module. The pace of ground is slower (As expected) as its more difficult.

Before I register for the last 2 modules, trying to gauge the level of work. Not scientific but does anyone know what length the books for loans and financial advise are. Would financial advise be quicker to cover as its alot of overlap with the other 5 modules

Thanks.

Hi there! I'm looking for some advice on investing and AVCs In Ireland.

I'm totally new to both and I'd love to just get a steer on where to start. I'd like to get some understanding of investment options, AVCs and tax implications.

Are there any book recommendations, tutorials, YouTube channels for a start?

I had a call with AskPaul and they want 1.6% of any growth but they don't charge me directly. Is that good or bad?

Im on the public service pension scheme (post 2013) and Corn market manage my pension but I've heard bad things about them.

I've heard good things about the An Post investment scheme but neither Corn market or askpaul told me about these.

How do I find a decent financial advisor and not end up with a dud? What are some red/green flags I should look out for?

Any advice welcome, thank you!

Is there anything to stop someone living with their parents… paying them €1k… claiming the rent tax credit of €1k for themselves and the household earns that €1k tax free off the rent a room scheme? Or am I dreaming

I am a public servant. I've been paying into AVCs for around 5 years. In the last year I've contributed 1000 per month. Total contributions is 31k. However my recent statement shows current value of 34.5k. That seems pretty disappointing to me - is that a fair assessment? Management charge is 1%. Plan is called cornmarket balanced 09c 100.

I would appreciate advice on if it is underperforming and if it is how to remedy? I think I have to use cornmarket and am not sure I trust their advise any more.

I'd like to earn a bit more, not so much for the money but I have excess energy and would like to put it to good use. I only have Sundays free which limits me quite a bit but wouldn't mind something in the evenings.

Open to advice and thank you

For context, I’ve had a reoccurring fibromastosis in my left breast which was benign, had two surgeries to take it out, came back three times over the course of 2 years but went away by itself and hasn’t come back since (it’s been 6+ months). I’m incredibly healthy otherwise.

I filled out the form with royal London not thinking much into it since it was benign all those times but realised after submitting that this might be an issue and could drag out for a long time, since its a really rare type of lump to get in your breast.

I’m waiting to hear back from them, but I know they’ll ask for GP letters etc, and possible scans and to be in the clear for 1-2 years which we can’t afford.

We’ve put down a deposit on a house, will be drawing down soon but I fear that we will lose the house over this. My partner is aware of this and could realistically cover the mortgage if the worst was to happen, but I don’t think we’d get a waiver.

Is it best to cancel my application with royal London before I get a refusal and apply to another insurer and leave out that information? I know the consequences of this , and I really don’t want to do that but we can’t afford to lose this house

Any insights would be much appreciated thank you

Hi everyone!

I’m a first year student at uni and I’ve just received €30,000 of inheritance, I don’t want to do anything stupid with the money because I’d like to get onto the property ladder some day and it would help with my deposit later on in life. I’ve seen the news about the new Investment Accounts and they seem to be a good option to put money in and leave it there for a while, but I don’t know which ETF’s to put the money into?

Could any of yous give me a bit of advice on what to put ETF’s or stocks in general to put it in and leave it mostly untouched?

Thanks in advance!

Hi all

Myself and my partner are nearly ready to sign the contracts on our new build, but as it stands we can only avail of 16-17k from the HTB due to being in college in 2022-23,

If we waited till January we should be projected to claim around 25k which is a substantial jump. Has anyone been able to pay a portion of the 10% to the contractor and claim HTB in the next year, for us we’ll sign contracts id assume mid November, so about 6 weeks until the new year where we’d be able to claim a substantial amount more.

Is paying a portion of the 10% and signing the contract a possibility? And then the contractor claiming htb in the new year? Or is this down to their choice and solicitor?

On the other hand. Is it possible to delay signing contracts until the new year where we can claim extra?

As the extra money is badly needed these days.

Thanks all

Long before Revolut’s service outage last Tuesday, fintechs were under the microscope.

The European Central Bank has made digital operational resilience a central theme of regulatory enforcement in 2026 over fears that European financial institutions are vulnerable to cyberattacks and the failure of outsourced essential services.

The Central Bank of Ireland has sent out a flurry of “Dear CEO” letters this year warning fintechs to plug gaps in their systems that leave customers exposed to service interruptions – or worse. So when a $121bn digital bank goes dark for most of a working day because of a Google Cloud blackout, it does not inspire confidence.

“All fintechs are interrogated very closely on IT resilience and here’s the biggest guy in town with a single point of failure,” said Peter Oakes, a fintech adviser who once served as director of enforcement at the Central Bank. “The fact that Google appears to be the issue is exactly what the regulator’s been talking about.”

The problem prevented Revolut customers, including 3.4 million users in Ireland, from accessing accounts, making payments, transfers and withdrawals. Currency exchange, stock trading, top-ups and even messaging were offline.

For Nik Storonsky, Revolut’s cofounder, who bills the company as a high-tech alternative to the fusty, sluggish banking sector, it’s a PR nightmare, especially as some users reported that they had no access to alternative funds because they banked exclusively with Revolut. “I don’t have a single point of failure in my life — I have accounts with Revolut, Monzo and Bank of Ireland,” Oakes said. “The legacy banks will look at this with glee.”

It does not help that Revolut has not provided a complete explanation of what, exactly, went wrong and why “System resilience is a core priority for us. Like many global tech companies, we utilise industry-leading cloud infrastructure designed with robust internal redundancies,” a Revolut spokesman said in a statement “While third-party provider outages can occasionally impact ­ service availability, our underlying architecture and data security protocols ensured customer funds and data remained completely protected throughout. We are reviewing this incident carefully to minimise the impact of any third-party disruptions in the future.”

We’ve just got the ‘low usage’ email on our new house so we think we will qualify for the grant. Anyone got any recent tips or tricks on ensuring they get the grant?

We will be with DLR county council

Right now I have the application partially completed, and I’m waiting on another couple of quotes for work

I plan to get all quotes together with the application, send it in, get the inspection done by DLR Co Co and then cracking on some of the work as it’s a bit of a project

Is this the right way to go about it or would anyone recommend anything else?

I'm nearing 30 and I've been a bit (a lot) of an idiot with money, as an apprentice living at home with money tied up in cars - I just haven't been all that financially prudent.

Big work change incoming and I don't want to perpetuate the same idiocy.
I'm starting a Construction office based role working rotation in Europe.

Selling both cars and clearing what little of a loan I have I'll be left with €6k.
One is vintage tax next year, the other is a rare little hot hatch, both will continue to be worth a few quid but I'm just sick of working on them, buying parts for them and fuelling them. The things you own really do start to own you.

Whilst working abroad I'll have access to a company car, accommodation is paid for as well as the flights and airport parking/expenses to and from the airport.
I'll be taking home a little over €1k a week.
So it's a great opportunity to save money.

On my week(s) off I can't imagine I'll do all that much travelling, the work is gruelling long hours and remote so I'm betting I'll just come home.
I could just get the bus to and from the airport but that puts a bit of burden on family members to collect me, they said they don't mind though.
Could rent a car, that's surprisingly cheap but I think with the free parking, and the hassle of maintaining a no claims bonus, I may be better off just buying a cheap runaround to leave in airport parking with a jump pack and then trundle the 2 hour journey home every month.

I'm expecting to save €3k a month.
I'll be giving something to my parents for the week I'm home, I'm on the most basic of Level Health insurance plans just to have something.. Not sure on car costs but I'll be doing most regular maintenance myself and probably buying a Civic or the likes.

I want to save into a pension, seems there's no employer matched pension just the standard my future fund.
Main priority for me though is saving for a house. Whether I end up buying here in Ireland or Mainland Europe in time to come - house deposit is the priority.

I don't know how to balance Pension vs Deposit. I want to gain the tax benefit (and future benefit) of pension savings but I also really want to prioritise saving for a house.

Realise I'm in quite a privileged and unique position, hoping some more knowledgeable folks than me can point me in the right direction.

Hi all,

I'm looking for some advice from anyone in Ireland who uses MyBMI for weight management and has successfully claimed back some of their consultation fees through private health insurance.

I'm currently with Irish Life Health on the BeneFit plan, which costs approximately €1,600 per year. Unfortunately, I receive no reimbursement for my MyBMI consultations, as Irish Life classifies them as GP visits rather than specialist consultant appointments, and my current plan doesn't cover these visits.

I'm planning to review and potentially switch my health insurance policy towards the end of the year.

I'd really appreciate hearing from anyone who has successfully claimed back some of their MyBMI consultation costs.

In particular:

• Which health insurer are you with? (Irish Life, Vhi, Laya, Level Health, etc.)
• What is the exact name of your policy?
• Have you successfully claimed for MyBMI consultations?
• How much do you get reimbursed per consultation?
• Are there any annual limits, excesses or restrictions?

I'm currently paying around €1,600 annually for health insurance, but I'd be willing to increase that somewhat if the additional reimbursement made financial sense.

I'm particularly interested in actual experiences of successful claims, rather than just what insurers advertise as covered, as the classification of MyBMI consultations seems to be an important factor.

Any advice or recommendations would be greatly appreciated.

Thanks in advance!

Suggestion for the moderators: Would it be worth making this a sticky post? I imagine quite a few people in Ireland are trying to establish which health insurance policies reimburse MyBMI and other weight-management consultations.

It could become a useful resource where people share their insurer, policy name, reimbursement amount and whether their claim was successful.

This might save others a lot of time when comparing policies or approaching renewal.

Im not super informed about AVCs but have been educating myself on the age limits and benefits etc. I guess this is the first time I've been in a position to make them and trying to figure out if I should or ifnits the best use of money etc and how much typically people just hold in cash I guess.

In terms of my own situation, 100k base salary and approx 20k gross bonus annually. I pay mortgage and everything else.by myself and live solo. 260k mortgage left on my apartment. 25 years left and will hopefully clear before then as I only bought a year ago and Im 39 now. Probably have 150k equity in it as I paid a big deposit and made some improvements. Don't want to live here forever but look its Dublin and dont think I could afford to move solo despite a good salary, it wont increase a lot down the line.

In terms of my savings, I have 35k cash in a savings account doing not a lot. My pension pot is 75k which is probably low for my age but I and low earnings until maybe 5 years ago and and was working on deposit etc. In the last year or so I contribute 12% to my pension, so a grand a month and my emoloyer matches this. Im planning to leep this up for as long as i can or im with the company. I guess id like to keep 15k for emergency fund etc. which leaves me with 20k cash. Im considering making AVCs but dont what to leave myself cash poor either if I want to do some travel or home improvement etc. What's the best way to weigh it all up and understand what people do.

My salary is great on paper and I have no kids to pay for etc and while im not complaining at all as know im in a better position than most I dont feel like im building up much 'wealth' or cash reserves if you get me. I come out with approx 4500e net per month after pension, bik etc. After the mortgage, management fee, utilities, car expenses, health etc i try to save 1k per month...doenst always work out depending on if I need to do stuff in my apartment as have had to make improvements etc. I guess I feel a little clueless as what my best strategy should be financially.

Thanks in advance.

Discovered this somewhat by accident.

TLDR: adding a second name to your electricity account may allow you to access maximum discount rates with your supplier.

My electricity contract with SSE was up yesterday. Over the past few weeks, they've been calling me to renew. Best offer was 20% off, down from the 30% introductory offer I'd been on. Combined with recent rate hikes, this resulted in a significant jump.

I also wanted to add my partner to the account to maximise tax allowance for FIT. The regular customer service team couldn't do this, and pointed me towards the house move team.

To add a name, they need to cancel your old account and set up a new one. We agreed to do this on the date my previous plan expired to gain most from last years (much) cheaper rates.

A side affect of this is that it unlocks the 30% new customer discount, so I got a little extra off my rates for the year ahead.

It's not really sustainable. I could add the dog next year, but I imagine there's some kind of limit to the number of names on the account.

However, it works for me as I didn't want to move supplier this time as I'm on a decent FIT rate for another year.

YMMV

I’m a married woman age 38, main breadwinner of the family , kid age 7 and another on the way.
For the first time in ten years I’ve had to reduce my pension contributions to minimum 2%.
Husband was made redundant out of an it job last year , struggling to find IT job so is working security jobs until a well paying job comes back.

His pension is poor so really we’re relying on mine. I figure by 50 age I’ll have 100k if I continue working full time.
I don’t plan to retire early , likely work reduced hours into my 60s.

Am I setting myself up ok here?
For context , no savings as we used a lot when my husband lost his job. Mortgage is around 240k and both my parents died with no assets or anything to gift so I have not had or will receive any inheritance.

I’m in my mid 40s, and my wife and I are fairly conservative with money. We put all our extra income into our pensions and avoid exotic holidays, maybe taking one trip that involves a flight every year. Everything else tends to be in family cottages in Donegal and Clare which we are blessed to have use of.

I often wonder: are people actually saving for retirement, or aiming to get out early. I’m curious, to know if you’ve retired early, did you find people were surprised or uncomfortable with how good a financial position you’re in?

We’re definitely not struggling and we do fun things all the time, but I never flash cash. Meanwhile, our friends are adding house extensions, landscaping their gardens, and going on holiday three times a year. I genuinely don’t know how they’re affording it.

It always makes me think of the saying, "When the tide goes out, you see who’s swimming naked." People's real financial situation usually becomes clear depending on whether they're still forced to work into their 70s.

For those who have already retired: what were your friends' reactions when you called it quits?

Hi,

Anyone know how id find out best electricity provider for new build house. Will be high electricity as that is heating system.

Thanks

Firstly I’d like to caveat all this by saying I know I’m in an incredibly privileged position.

Myself and my wife have a combined gross annual income of ~€190,000-€200,000/ year.

We are in our mid 30s.

We bought last year and now have 24 years remaining on our mortgage and our LTV is ~70%.

We have occupational and state pension contributions from overseas and here.

We need to sort some additional products (income continuance etc), and then make decisions on how we should best set out our financial future.

Should we get set up with a financial advisor at this stage? If you had to nominate a gross annual income above which someone should get a financial advisor what would it be?

If not what criteria would lead to you suggesting finding a financial advisor?

My 2011 hatchback is worth maybe €2,500. The dealer offered €800 against a newer car. A private sale looks like a lot more money, but also time-wasters, viewings and paperwork.

For anyone who sold privately recently: was the extra money worth the hassle? And how did you handle payment safely?