I’m 26F and recently made redundant from a corporate analyst role in a large tech company, where I was earning €70k. I received around €22k in redundancy including my bonus, which was a nice cushion but got taxed on, honestly tho, I’m a bit lost on what to do next.

My current financial situation (including redundancy):
€35k in cash savings in AIB
€15k in stocks/ETFs
€30k in pension
No debt, living at home with very low expenses.
The Irish job market seems quite rough at the moment, and ideally I’d like my next role to pay €70k+, preferably more. I’m also considering moving to the UK for better career opportunities.

A few things I’d love advice on:
•Would you take a few months off or start job hunting immediately?
•Is €75k–€85k realistic for an analyst role in Ireland with 4 years experience , or should I consider relocating?
•Where would you keep the €35k cash to maximise interest without locking it away? I have Revolut but feel they are a bit volatile to put my money in, especially with what just happened recently.
•My employer previously covered my health insurance. Is it worth paying for it myself while unemployed, considering I’m young and relatively healthy?
•I’ve applied for Jobseeker’s payments. Is there anything else I should be doing financially after redundancy?

This is my first redundancy, so I’m trying to make sensible decisions rather than rush into something. Would really appreciate advice from anyone who’s been in a similar position.

Spouse and I each earn above the 40% tax threshold (and will continue to do so in 2027). Is there any benefit to being jointly assessed in these circumstances? I’m struggling to understand what the benefits are in these circumstances. Any advice appreciated 🙏🏻

Long story short

Early 30s, married, no plan for kids.

We can afford to buy a 2 / 3 bed terrace now, in a location we like but our hopefully end goal is a house not in an estate ( ideally in same location as where the terrace would be)

Should we buy the terrace now (affordable for us, mortgage would be 20% of income) or wait a few more years in the hope of buying the forever home?

We rent at the minute, for more then mortgage would be on terrace, so would be continuing to rent if we wait

Recently out of a big relationship where I imagined most of my money would be going via building a house sharing a mortgage etc, newly single have no idea what’s the best move forward?
For retrospect I currently own a house in mayo which I rent for a income of 1400 a month, I currently rent in Galway city for €600 a month, I have 180k€ in savings, would my best move be getting a mortgage by myself and just buy a house in the city I’m happy with using a lot of my savings, or do I sell my house in mayo and keep my savings, I grew up with very little and worked hard all my life, I turned 32 today and have no idea what to do in life

Hi I make 11.32/h, I currently live with my parents and work part time (normally 12-25 hours a week). How much should I save, should I be looking into a second job? I want to go to Trinity/UCD next Sept I know money is going to be an issue, but I'm not applicable for SUSI so I will have to work for this. How do I go about financing this?

Hi there, 20 y/o here! Would somebody mind explaining the taxes when it comes to investing? I put 55% of my paycheck away to the savings account in Revolut with 2.5%AER which to me just means I get a couple extra cents along the way which never hurts. I’ve been interested in HYSA for quite a while however it’s all American. When I look for Irish options I get Trading 212, Raisin Ireland and Trade Republic all from 3.1% to 4.2%. To me I understand this as 🥳 more money 🎉! But then I keep reading and see a lot about 20% DIRT, something to do with a 13% Lithuanian tax, being told it isn’t worth it and no idea where to even look to invest. I’ve honestly been overwhelmed by information so I end up walking away and putting it off.

All I know about investing is that my company sells shares to us at a lower price, I contribute 7% to my shares and apparently I’m going to get more money back no matter when I do it as long as we don’t have a repeat of the Celtic Tiger. And something along the lines of doing tax rebate can fuck up any money you can get back.

Do I need to report my extra 90c a year to revenue from my Revolut account? Am I making a mistake with company shares? Should I bother investing? I don’t even know if I’m claiming tax relief properly on my revenue.

Please help I am miserably undereducated and confused.

If anyone could please help me understand the risks of joining these or how much or ANY ADVICE, I would deeply appreciate it.

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.

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?

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.

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

Hi,

I’m looking for some mortgage advice and would appreciate your guidance on a situation involving my credit history.

My husband and I are hoping to apply for a mortgage. We have a historical loan with Bank of Ireland, with approximately €15,000 remaining. We are considering taking out a €15,000 credit union loan to settle the BOI loan in full and have the account closed.

The BOI loan has a historical repayment arrangement recorded on the Central Credit Register (CCR), which has affected our previous mortgage applications.

Our combined annual income is approximately €80,000, and we have savings of around €9,000. We also have car finance repayments of €347 per month, which are due to finish in January 2027.

Before proceeding with a new credit union loan, I would like to establish whether settling and closing the BOI account could improve our chances of mortgage approval and allow us to apply sooner.

Would mortgage lenders consider an application once the BOI loan is fully settled and closed, even if the historical CCR information remains? Or would we still be required to wait a certain period before applying?

I am particularly keen to understand whether taking on a new credit union loan would improve or negatively affect our mortgage prospects, given the additional monthly repayment.

I would appreciate an honest assessment of our options before we make any financial decisions.

Many thanks.

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.

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 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?

​

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

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

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!

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

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.”

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!

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'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.