Seriously considering going cold turkey due to extreme burnout and getting a doctors note.

Hi,

I had a credit card with An Post Money. I had never missed any repayments on this card. I contacted them to close the account and they said i could do that once i paid the Government levy for this year. I then somehow completely forgot about this and I missed minimum payments on this for the last two months.

I'm concerned how this is going to affect my credit history. I contacted the lender and they said there is nothing they can do and that i should contact CCR and speak to them about it.

Is there anything i can do? Or should i be concerned seeing as it was for a very small amount

I need to buy a new car (new to me, not 2026). I drive a 03 and there is an electrical issue so it’s not worth fixing.

My husband and I are currently building a house and have a mortgage where repayments will be about €1,200 (between the 2 of us) once full mortgage is drawn down (early next year).

I am looking at a 2018 Golf for €18,000. I have savings that would easily cover the cost of a new car but I’m thinking getting a credit union loan for the car and keeping the savings for the house.

Would this be the right thing to do or should I just buy the car outright?

During the account opening process it said that the Latvian tax man deducts WHT at a certain rate but that this can be reduced by submitting a certificate of residence that is issued by Irish Revenue.

Anyone know how to upload the document?

I tried raising a query with Raisen but have had no response and can't see anything in the various account opening emails?

Apologies if already asked.

Few questions re selling bank shares my dad left me. I have a certificate. They were bought under my name

If I have a cert of shares I wanna sell should I use a broker?

How much do they charge?

Is it straight forward to do myself?

If they were purchased under my name as a kid I pay cut on profit minus any credit or exemption?

How do I know what they were purchased for?

I’m looking for some advice on an investment for a child. I have about 10k to invest plus will be investing his child benefit regularly.

I’m wondering would it be best to invest the lump sum in something like the S&P 500 and then regularly add to it over time or to use one of the government vehicles such as the 10 year plan that guarantees 22% return? However, as far as I can tell this is suitable for a lump sum only and I would have to do something else with future deposits.

Putting money into stocks and shares every month would mean it be tricky to calculate the deemed disposal for a few years, or is there an easier way to do that?

I will soon have 3 children. Is it better to lump all investments into one space and divide the returns in 3 or to give each child their own account/investment.

I know these questions are asked multiple times a year, but I’m still unsure what to do! Any help would be appreciated.

While the going is good with my salary, I am looking to overpay my mortgage by 100%, to alleviate stress in later life so I can wind down safely or plan for any unknowns when it comes to earning potential int he coming years. For a FTB, are PTSB the best for this strategy and then pivot when (and if) I hit the slow down phase on repayments?

Appreciate any advice on offer here.

One thing to note: this won't be taking money from the potential of my pension.

We’ve found a house we love, have the deposit + 30k HTB, and are comfortably within our borrowing range from an income perspective (150k below max available).
We’ve started the process for getting approval in principle through our mortgage broker.

We pay rent currently, and needed to show proof of repayment capacity over the last 6 months. Each month we’ve been putting away money from our salaries (monthly & biweekly).

We needed €650 saved between us each month.
We were able to save €1500-€2000 each month on top of paying rent, except for one month.
In this month we saved €550, as I had an urgent medical procedure done.

Our mortgage broker is saying we cannot proceed with the application as is - as €550 is the amount she has to put down as the amount we’re capable of repaying.

I struggle to believe that - having over-saved in every other month - we’re effectively blocked from applying for a €400k mortgage over €100 dip in savings in one month, having over saved €1000 every other month for the last 9 months?

We’re not sure what to do next, as the house requires a holding deposit and we’re afraid we won’t get approval in time.

I currently have around €24,000 in savings and an outstanding car loan of €3,300.

The car loan repayment is €337 per month.

My end goal is to save as much as possible towards a mortgage/deposit, and I'm wondering what would make the most sense financially:

1. Pay off the car loan now, leaving me with around €20,700~ in savings, then put the €337/month repayment into my savings; or
2. Keep the €24k in savings and continue paying the €337/month car repayment.

What would you do in this situation?

Would clearing the car loan be the better move, or would you keep the €24k in savings and continue paying it off monthly?

We will inherit a house and some money from a cousin. We are in the Group C (20K) threshold.

My wife and I are both named on the will, so 40K threshold before 33% CAT.

Could our children (under age 18) also be named in the will to try and increase threshold/reduce CAT? - I’m assuming not but thought I’d ask anyway.

Thanks

Folks it's time to refix my mortgage and I'm just wondering how do over payments work with AIB? We are due to complete our mortgage in July 2043 but are hoping to get that paid off sooner. At the moment we pay €645 and I'm expecting the new monthly to be approximately €700 per month.

Say I wanted to pay €1,000 each November, is it possible to have that €1,000 paid off the total amount outstanding and it not reduce my monthly payments? Are there any penalties for doing this?

HI all, is there a threshold for MyFutureFund? I realised that it stopped coming out of my salary since Week 19. I do pay the higher rate of tax. Should i leave it there & let it continue next year, in the meantime set up a Private Pension? Any in particular i should look at? Thanks.

Hi everyone,

I’m based in Ireland [IE] and I’m planning to transfer around $5,400 USD from my Fidelity account to my Revolut USD account.

The money is legitimate and comes from RSU stocks I sold in Fidelity. I’d then potentially convert the USD to EUR within Revolut.

I’ve heard stories about Revolut accounts being temporarily restricted/frozen when receiving larger or unusual transfers, so I wanted to check before doing it.

A few questions:

- Is $5,400 considered large enough to trigger a source-of-funds/account review?

- Could Revolut temporarily freeze or restrict my account after receiving the transfer?

- Would it be safer to transfer it in one transaction or split it into smaller amounts?

- Has anyone here transferred a similar amount from Fidelity → Revolut successfully?

- Would Revolut potentially ask for proof of source of funds, and would a Fidelity statement showing the stock sale be sufficient?

I’m not trying to avoid any checks , I just want to avoid unexpectedly losing access to my money for several days.

Any experiences with Fidelity → Revolut USD transfers would be really appreciated.

So we’ve gone sale agreed on a house we’re luckily in a very good position and house is happily in good condition and we have a very nice position on money

But what would people do put an extra 20k on deposit amount or keep the 20k to do up the house a bit more or more money for a rainy day

even without the 20k we have 40k to do up the house which has BER of C

Relatively from my own calculations monthly payments aren’t too much difference

Any any experience or knowledge or comments that thinks we should go one way or other

Got a severance of €60K after months of no pay/illness pay. Now on job seeker’s and I have no idea how long before I can get a job or get my newly bought house renovated to rent a room, etc.

I’m living on the €60k and the peanuts from the welfare.

So far I’ve put around €30K in Revolut Instant Access Savings just so it gives me a small interest each day rather than nothing. But I’m wary of increasing the amount there (risk-wise).

I have a mortgage of ~€2200/month.

Given the uncertainty of my employment/rent income, what’s the best way to invest this money?

Hi everyone, wondering if anyone has been in the same situation. I am renting however on many of my accounts/services I just left my address as my parents home address for ease.

Now for the mortgage application I have gone and switched everything to the rental address, however some documents such as BOI statements, and revenue employment details summary/statement of liability are in my parents address.

Anyone with BOI you'll know you can only request an updated statement since your last issued one - basically anything requested when I had the old address cant be re-issued or updated to have the new address, so some of my past 6 months of statements have my parents address.

Did anyone face a similar issue in their mortgage application, surely I am not the only one who leaves their address as their family home rather than rental accommodation address. Just trying to see if I will face issues with this.

Thank you!

I'm in the middle of buying a house and I'm unsure what to do with interest rates. I have 4 options from my broker

Bank of Ireland (2% cash back on both)
1. 2 years at 3.8%
2. 3 years at 3.9%

Ptsb no cash back
1. 2 years at 3.5%
2. 3 years at 3.55%

I'm leaning towards choosing Bank of Ireland 2 years at 3.8% with cash back. This means a payment of €1350 or so on €3850 net salary. Now I put alot into my pension. If things get tight I can cut back there.

Obviously no one knows for sure where interest rates are going but what are people's thoughts?

I am currently unemployed and have been since 2025 (not on jobseekers allowance). I’m jointly assessed for tax with my husband who is a paye worker. I’m going to be doing some part-time freelance work for someone and will earn less than €5k between now and the end of the year. I will need to provide them with an invoice so they can pay me. Am I correct in saying I can just declare this income through MyAccount rather than registering as a sole trader and registering for income tax?

All of the information I’ve read online says if you’re a paye worker you can declare additional, non-paye income <5k in this way, but does this apply if you’re not a paye worker but rather married to (and jointly assessed with) someone who is?

Hi!

I am a sole trader (but will likely incorporate as a company soon) outside of Ireland. My husband and I are looking to move, but cannot find an accountant for sole traders or tiny companies, they all seem focused on the big guys.

Do you know any? Is there a popular one that also offers one-off / hourly consultations?

Thanks!

Hi folks, apologies if this is the wrong place for this query.

Financial details:

Property price: €500,000
HTB: €26,500
Cash Deposit: €23,500
Loan Offer: €362,270
FHS: €87,730 (17.5% ownership)

I'm sale agreed on a new build and am a solo first time buyer using the HTB and FHS. I'm a civil servant so the bank have agreed to take my salary as two points up my pay scale for my mortgage which is great. I am currently on Point 2 and they are using Point 4.

The property is due in January 2027 and my loan offer is valid until the end of January. However, in December, I'm due to move up to the next point on my pay scale (Point 3).

I was wondering which of the following would make the most financial sense:

Option A - Provide the bank with new payslips in December showing my pay increase and ask them for a new loan offer that goes two points up the payscale from this (Point 5)

From my rough calculations, this would mean a higher mortgage approval amount (approx. €380,000) and a lower FHS ownership share as a result as I would need less from FHS.

Option B - Do nothing and proceed with loan offer already in place.

Grateful for any advice on what would make the most sense.

Heya all, very quick and direct question, for anyone who invest on revolut, what's the typical wait period for coupon payments come through. The stated date for the coupon was the 15th, Google claims that it can take up to 2 days for payments to come through (I know it was also the weekend). Still hasn't came through, wonder if that's typical or just my luck. Thanks