My New Year’s resolution is to stop being such a disaster with money. I want to save money and stop living day to day while waiting on my next salary payment to pay my last bill. What should I do? While a big part of learning how to save money is down to determination and
My New Year’s resolution was to finally clear some debt and get my finances in order but I’m already falling back into bad habits. Buying coffees, eating out and spending more than I earn. How can I ensure that this is a resolution I can stick to? Many of us treat our bank accounts like
I’m doing house renovations. Can you offer financial advice? Q I’m looking to do some renovations on my house. Nothing major, some landscaping, painting and decorating etc. but I’m unsure as to how best to finance this. My bank offered me a personal loan of 50k and I presume my Credit Union would at least
Q I’ve just turned 50 and I want to retire early. How can I make that happen? You are not alone, research from pension providers Royal London Ireland found over a third of Irish people would retire at 60 if they could, and a fifth saying they would “stop working today if finances allowed”. Twice
I want to start a pension. Can you tell me more about the auto-enrolment scheme? I want to start a pension, I’ve heard a new compulsory scheme might be coming soon. Do you advise starting now or waiting to see what might happen with this compulsory scheme? A I would advise you to go ahead,
I’m about to retire, but what is the best option to take with my personal pension fund? Q I’m due to retire soon and I recently received a maturity notice from my pension provider. They say it’s a personal pension and that I have the following options. Take 25% of the fund tax free and
Q I am in the lucky position of having a fixed rate of 1.95 per cent and have avoided all the recent interest rate increases, but that is due to change very soon as my fixed rate ends in November. While we are not struggling yet, I’m extremely worried as I can’t afford a big
Saving and investing, a step-by-step guide to help navigate the essentials! For many, the idea of saving and investing can be tricky to understand, but it doesn’t have to be as complicated as we think. Let’s start by thinking about saving.. Saving We’ve all heard the old wisdom of “look after the pennies” and
How do I learn to budget better and get my saving and spending under control? Q I’m finding it difficult to budget at the moment with the constant changes to prices, interest rates and so called expert opinions on what’s going to happen. How can I budget better and try get both my spending
Is now the wrong time to get on the property ladder or are prices going to drop? Q I moved back in with my parents at the start of Covid and decided to stay there so I could save money for a deposit. Finally, I feel like I’m ready, but is now the right