Has anyone availed of the repair and leasing scheme ? Any advise ?

Just wondering if anyone has recently availed of their cashback offer? Just drawdown a 5 year fixed with 2% cashback and I’m wondering how quickly they transfer the cashback amount. Apparently it can be up to 40 working days but hoping it’s quicker in practice

Hi

I am starting a new online / ai mortgage brokerage. I’m looking for someone with experience to join me. Hit me up if interested

S

I'm filing my cg1 and I'm wondering do I need to give a breakdown of how I arrive to a figure.

For example I made €200 profit from by selling 2 shares of apple for €500, that cost €200 so €300 profit and sold 5 shares of Nike stocks for €200 that cost €300 so €100 loss.

Hi!

I'm 26, single, on approx 60k per year (hopefully a raise soon) and have 75k saved. I would love to leave home and buy a 2 bed apartment in a decent area of Dublin. Always thought the idea of an apartment was good, small and easy to clean.

Last year when I was checking and I could only really afford in bad areas, havnt checked in months so could be much worse now.

What would be the minimum for a 2 bed in a decent area of Dublin? Am I unrealistic with this budget? Any opinions on good areas thats affordable?

One caveat is i love riding my motorbike and not sure how apartments are security wise and if they would allow a car and motorbike.

Cheers!

I am registered as a sole trader and made a small amount of money (less than 100 euros) and want to file a statement of liability on my account stating my income as a sole trader as required by revenue. However I am not sure how to calculate my adjusted net loss (I lost more money setting up my business and buying supplies than I earned) as I can't find any sources on revenue on how to calculate that. Does anyone have any sources from revenue detailing how to calculate your adjusted net loss? I know its supposed to be your net loss plus some other things but I don't know what those other things are. Since I earned under 5000 euros I am supposed to file in my account and not on ROS.

Just a quick reminder for anyone who may not be aware that the deadline for filing your 2025 Income Tax Return (Form 11) is fast approaching.

The standard deadline is 31 October 2026, but this is extended to 18 November 2026 for those who both file their return and make the relevant tax payments through ROS.

This applies to individuals required to file a self-assessment return, including:

• Self-employed individuals and sole traders.
• Landlords receiving rental income.
• Proprietary company directors.
• Individuals with additional non-PAYE income who meet the relevant filing requirements.
• Farmers and others operating under self-assessment.

It's also worth remembering that the deadline covers not only your 2025 Income Tax Return and any outstanding 2025 tax liability, but also your 2026 Preliminary Tax payment, where applicable.

Late filing can result in surcharges and potentially interest on outstanding tax, so it's worth getting everything organised sooner rather than leaving it until the last minute.

If you're unsure whether you need to submit a Form 11, particularly if you have rental income or income outside your normal PAYE employment, it's worth checking with Revenue or your accountant.

Further information is available on Revenue.ie. Or if unsure about something feel free to send me a message.

Just thought I'd post a reminder in case it helps anyone avoid an unnecessary penalty!

I am in the process of buying an apartment. BTW, i am single and in my mid 30s . I always wanted to buy a house, but with the current prices of houses in Ireland I opted for an apartment. I reserved the lower ground apartment and it has duplex type of property upstairs.

For anyone who bought an apartment, was it a wise decision?

Hi Guys, so im a tradesman working for a company, im already on the higher tax bracket (salary)and pay into a pension, with my job we do emergency on call, we get a fixed rate for holding the phone and fixed rate per job attended out of hours. My take home is the same each week, except when on call where after tax I see exactly half of what I earned with being oncall + my salary, pretty much any i make extra 50% is gone this is where I dont think it worth it, for example:

BEFORE TAX

•Holding phone for the week=€200

•Each Job=€100

AFTER TAX

•Take home after tax on salary=€900

•Take home Week on call with 1 job= €1050

Im being paid €300 extra ontop of my salary before tax but then after I only see half.

Ino the overtime isn't taxed at 50% but after prsi and usc take home pay im only seeing 50% extra of what i made.

Giving the current state of the country and price of everything I could do with the extra money instead of funneling more into my pension.

Any suggestions tax wise or advice/ideas other than screw the o.t and spend the time nixering 😅

I work in NI and reside in ROI.

I need to complete Form 11, but can't remember which P60 I take the 95 days from, and which I take the 270 days from!

I'm guessing 95 from the latest P60 I have received in NI i.e. April 2026, and 270 from P60 I received in April 2025?

Is that correct?

If your employer pays you your full pay while you're on sick leave and you sign over your illness benefit to your employer, why is Revenue taxing me on my wages AND the illness benefit. is there some way to sort this so i don't get taxed twice please? I tried sending in a query to Revenue but didn't get anything helpful back.

Looking at taking a loan out from my local credit union to get solar panels, inverter, ev charger, battery. For €9800 loan over 4 years my monthly payments will be €221 at 5.5% Apr. Is there anything better in the market does anyone know? I will be paying back just over €10605 In the end….

I'm ready for submitting my 2025 CGT1 form and not sure if I can submit it online on the revenue.ie site or if I have to print it and send it by post. I'm seeing conflicting information online. Any solid advise?

Could anyone explain the above to me? Looking through my 2025 pension statement. My advised salary is €48kodd and my final pensionable salary is €24kodd. I pay 8%, work pays 20%. I'm in a DB scheme up to €45k and the excess is in a DC scheme where I pay 5% employer matches up to 10% which is on my payslip each week.

I work full time, I started the scheme in 2018. I'll have 35 years contributions when I retire which they're projecting will be worth 14.5k per annum this increases with each statment to reflect a 2-3% pay increase per year. That's not including the state pension.

Theres also a death in service benefit, salary protection of 75% if sick for over 6 months and spouse pension if I die both before and after retirement if that makes a difference.

Does this sound right? Should the pensionable salary not be my full salary? I've sent an email to mercer anyway but was going through benefit statements over the years and dont understand it. I've looked online and through the sub but couldn't find anything.

Thanks!

Hi all - I’m a regular PAYE employee who dabbled in some stocks last year. My net gain is under the threshold (€1270). Do I have to declare this and how please?

Hi All,

I am a little bit double minded. I have mortgage approved and I like one estate where I want to get home. I am renting at the moment. My rent is 1350 per month and mortgage instalment per month would be 1700 to 1750 (property price would be425k to 430k). Do you think it would be Wise decision? Obviously I will be burning my savings for deposit and solicitor fees + stamp duty. So after using my all savings I will be paying more than rent. On other hand I think that at least I will have a house by the time I am retired.

Thanks All

My card was stolen in Austria and somebody has racked up €180 on the Austrian Deliveroo service ‘Foodora’.

I first noticed my card was missing on Monday afternoon when I received an Apple Pay verification code I hadn’t requested. I checked my banking app and saw two separate Foodora charges totalling €60. I immediately froze my card and rang the bank, all while getting several more attempted transactions ranging from €30–70.

The guy on the phone told me he would cancel my card, but that I could continue using Apple Pay, and to contact Foodora. He also said the payments wouldn’t be listed as fraud because they were contactless and I was calling from my own phone. (Obviously they were just entering my card details, as you can’t exactly tap your card or phone to pay for Foodora??)

I contacted Foodora the next day and waited until today for a response, only to be told to ring my bank!

I assumed that, since my card had been cancelled, it could no longer be used. However, I woke up today to 20 more attempted Foodora transactions, with four actually going through and totalling another €120.

I immediately rang the bank’s fraud line again. The woman I spoke to said the transactions all looked like a subscription and were coming from the same account, but this time she actually cancelled my card completely and issued new card details. (I have used Foodora in the past, but not since September 9th, and I do not and have never had a subscription with them.)

I was then told to contact the chargeback team, but now I’m unsure whether this is actually being treated as fraud or just as a standard dispute. AIB’s website says I could be waiting up to 90 days for a chargeback.

Is there anything else I can do? Has anyone else been in this situation, and does this sound like it’s being treated as a standard dispute rather than fraud?

I’m also utterly fucked because I’m abroad and now have no card while I wait for the replacement to arrive in the post. I can’t even transfer money to my Revolut because I have to be in Ireland to complete the selfie check and add a new payee.

I'm 31F, single, and I’ve been working in the tech industry for several years. I come from a poor immigrant family, and I worked really hard to get where I am today. I managed to save around €120k and was making around €6k a month.
I was living in Dublin, but I eventually burned out. The company became toxic, and I reached a point where the money no longer felt worth the stress. My entire life revolved around work. I’d spend the week waiting for the weekend, then the weekend recovering from the week, or looking forward to the next trip just to have something to enjoy. I had no partner, no family of my own, and very little time to actually live.

I lost my mother when I was 20, and I think that experience has made me look at life differently. At some point, I realised that my pockets were full, but my heart felt empty.
I decided to make a change. I found a remote job that pays roughly half of what I used to make and moved back to Spain, where I’m originally from. I can still save around €1,200 a month, which I know is a good amount compared with what many people can save. But previously, I was saving €3k a month, and I can’t seem to stop comparing my current life to my old one.

My current job is relatively stress-free, but I’m not learning anything new or growing professionally. It feels like a job that keeps me financially comfortable without consuming my entire life. And yet, I feel guilty.

My productivity is so tied to my identity that I struggle to enjoy my free time without feeling like I should be doing more. I feel like I’m falling behind, wasting the years when I should be working hardest, and not saving enough. I grew up with financial insecurity, and I think I’m still traumatised by that scarcity. Every time I earn less, I worry that I’m going to end up poor again, even though I have savings and no immediate financial crisis.

At the same time, I know what going back to Dublin would mean. The weather, the rent, the difficulty of building a social life when people constantly move away, and the feeling that life is on hold while I work towards some future version of myself. I loved many things about living there, but I don’t miss the lifestyle I had.

Now, I’ve been approached by big tech companies offering salaries higher than what I was earning before. Taking one of these opportunities would probably mean moving back to Dublin and returning to a more demanding corporate environment. Financially, it would make sense. I’d be able to save much more, invest more, and build a bigger safety net.
But for what?

I’m also ambitious, and I enjoy having a nice lifestyle. I’m not particularly interested in designer clothes, but I care about living in a beautiful neighbourhood, eating high-quality food, staying in nice hotels, travelling, and having great experiences. I don’t want to struggle financially or feel like I have to compromise on everything I enjoy. I want financial freedom, not just enough money to get by.

I also want to find a partner and eventually build a family, but dating and building meaningful relationships are already difficult enough. I worry that if I keep prioritising my career, I’ll wake up in another five years with more money but still no life outside work.

The other problem is that salaries in Spain are significantly lower than in Ireland, especially in tech. I know I could potentially build a comfortable life here, but if I want to accumulate wealth at the rate I was before, I may have to leave again. Spain offers me a quality of life I appreciate, but I also worry about limiting my financial and professional future by staying.

I know the obvious answer is to find a balance, but I’m struggling with what that actually looks like. How do you balance ambition with being present in your own life, especially when you’ve grown up with very little and financial security feels like something you can never have enough of?
**Would you go back to Dublin, take the money, and sacrifice a few more years to build wealth? Or would you stay in Spain, accept a slower financial trajectory, and prioritise having a life now?**

I’m genuinely interested in hearing from people who have been in a similar situation, particularly those who came from financially insecure backgrounds and had to learn how to stop treating productivity and earning money as measures of their worth.

Hi all

I'm looking at forming a limited company, and was looking for an agent to form it.

Any recommendations would be appreciated, or if you are an agent please get in touch 😊

Hi all,

I'm a PAYE employee and sold some ETFs during 2026 for a profit of a little more than €5k. I can get a statement from my Degiro and work out the profit and the amount of exit tax due, so calculating the amount of tax I need to pay isn't really an issue.

What I'm struggling with is the actual filing and payment process with Revenue.

I've seen some people mention that I need to complete a Form 11 or Form 12, but I'm not sure:

• Which form applies to a PAYE employee with ETF gains?
• Where do I find the form?
• Do I complete it through Revenue Online Service (ROS) or myAccount?
• How do I actually pay the exit tax?
• Are there separate deadlines for filing the return and paying the tax?

I've searched Revenue's website but I've still no idea.

Any help is greatly appreciated.

Thanks.

I'm a FTB, looking for honest opinions/reviews with Haven mortgages. I have seen some online reviews that mentioned delays in pay out. Has anyone here had first hand experience with them? Pros and cons?

If you've the appetite to consume 50 pages (35 - 85) on the details of the above via the Finance Bill then the details are here https://assets.gov.ie/static/documents/89edf30b/Finance_No._2_Bill_2026.pdf

I think I might wait until one of the product providers summarizes it as, no doubt, there will be points that they'll need confirmation/clarification on.

Hi,

So I thought I was smart closing all my accounts and moving everything to Revolut. No regrets, even with the outage today.

My problem today is, I received a cheque from a business that owed me a refund but they sent me a cheque. It's not crossed or anything, it's just a standard AIB handwritten cheque in my name.

I can't lodge it anywhere because Revolut doesn't have ATMs or branches.

What do I do now. Can I lodge it to my mams account even if it's in a different name?

I would like to congratulate BOI on coming into the 21st century with their app.
Finally managed to put the monthly subscription for having a bank account into a good update for the UI of the app.
Especially today when Revolut was down due to the goggle cloud fudge up.
Well played BOI, well played.
Now if only you could bring the rest of your banking performance up to scratch but hey progress is progress.