In truth I’m just being nosey and also trying to see if I would be silly to get a bigger loan for a newer bigger car for expanding family.
Also to note- currently have 2 children under 4 and would like another child in the next few years.

Future combined salaries (one full time and one part time) - 6k per month
Car loan- 210
Mortgage- 900
Childcare- 900
Savings- 1000
Insurances- 400
Subscriptions- 65
Groceries- 600

ETA- Husbands pension is paid into at the end of every year in bulk from his business so not included in monthly budget.
ETA- forgot to include health insurance under insurances

Hello all. I’m just wondering how many financial apps is too many. I have about 3 banking (AIB, Revolut and Monzo), 2 savings (Trade Republic and Raisin) and 3 investment apps (212, Revolut and Lightyear) and am looking to try and consolidate a lot of this as I know it’s overkill for myself. And can’t forget my local credit union 😅
So am just curious do people keep it simple and try to have less of a certain type of account (only one savings and one investment) and have at least two backup current accounts?
Curious as I know I need to consolidate and refine down how many I have as it’s messy, so would like to hear!
Cheers!

I have been working two jobs for 3 months now and the tax for both of them are extremely high.

For example:

Job 1: paid weekly
Total payments €594
Total deduction €177.70
Take home €416.30

Job 2: paid monthly
Total payment €3452.64
Total deduction €1046.96
Take home €2272.36

Is there something I am doing wrong on revenue of something, please let me know?

Hey would love to get people's thoughts. I would like to make extra money on the side while Im working. I work a 4 cycle shift.

I suppose I'm wondering what would be something that wouldn't waste my time and what qualifications I need. I'm willing to do short course to start with if it would help me.

Id appreciate any advice or other people's experiences doing this.

I lived abroad in 2025, and have money saved I would like to pay into a private PRSA up to the limit for my age bracket and the cap (20% of 115k).

If I pay into it before the deadline for 2025 (31 October, or 12 November 2026), is that contribution assessed against my 2025 income for tax relief purposes? If so, what if I had no income in 2025?

​

Hello everyone,

I am new to Ireland and this is my first year here working as a doctor. I have a few basic questions about AVCs and would really appreciate some guidance:

1. How do I start an AVC?

2. I have a single occupational pension scheme from my employer - which type of AVC would be most suitable for me?

3. What is the deadline to start/contribute to AVCs to avail of tax relief for 2025/2026?

4. Which provider is generally considered best in terms of annual management charges, allocation rates and fund options (e.g., Irish Life, Zurich, Aviva, etc.)?

5. I would like to invest in equities via my AVC - how do I go about selecting funds/stocks?

6. For those working as doctors in Ireland (HSE / public hospital), is there any option for employer matching on AVCs? How does one go about claiming / negotiating this?

Any advice or personal experience, especially from other doctors, would be greatly appreciated. Thank you!

Myself and my wife are looking at buying a house for around €250k that would need roughly €100k spent on renovations.

Just trying to figure out how the staged drawdowns work. Once we've paid our 10% deposit and bought the house, would we only need to put another €10k towards the renovations before BOI starts releasing funds, or would we have to cover the entire first stage of works ourselves?

Would be great to hear from anyone who's gone through something similar, especially with BOI.

Cheers!

Hi everyone, how's things?

I was put onto the myfuturefund scheme when it launched this year, and every week a small amount comes out of my pay and goes into the pension. I was having a browse through the participant portal during the week and I noticed that about four individual weeks from back in February and April/May never actually made it into the kitty. Roughly €90 in total between my share, the employer's share and the state top-up. The recent weeks are all there and accounted for, so it's not just a processing delay kind of thing.

The deductions definitely left my pay, so it looks like the money came off me but never landed in the fund.

I'm just wondering has anyone else come across missing contributions like this? Should I bring it up with my boss? He does the payroll himself, and I always get a bit nervous raising anything pay-related. I don't know why, it's just a hang-up I've always had. Has anyone else here had to raise something similar with regards to myfuturefund, how did your employer take it,and how long did the fix take? Cheers!

Recently signed up for Monzo and got my card but can't connect my BoI account to add money.

Title kind of says it... I can't see how/where I might cash in some of my prize bonds (bought > 90 days ago) via the website statesavings.ie

I'm singed in, it shows me my bonds, I can buy more... but no other options.

Anyone know about this?

Can someone clarify if i pay a lump sum avc towards pension, will I receive 40% tax relief only on the portion of income I have paid the higher amount on. I am aware of the limits per age and income. Trying to benefit tax wise from a last minute avc to public sector pension. I think I can split the lump sum between last year 2025 (if submitted before oct. 31st) and the balance to this year.

Has anyone here used the ICE2EV scrappage scheme yet? It adds up to €5,000 on top of the €3,500 SEAI grant if you scrap a 2013 or older petrol or diesel car, and from 1 August the new EV has to be under €50k before the grant.

For those who have done it: did the dealer handle the whole application, how long did the payment take, and were there any surprises with the NCT or insurance rules for the old car?

Afternoon folks,

Looking for a quick sanity check.
Have a lump of savings and want to throw the max AVC amount possible in before 2025 cut-off date.

I don’t have a current pension so requested contact with a few providers including Zurich directly. Only one that got back to me is a well known Dublin brokerage.

Being quoted 1.35% annual management charge and 100% allocation for Zurich prisma 5. I’d like to know if this is high/low medium for a standard PRSA?

Would have gone direct with Zurich but no reply as of yet and close-off point for 2025 claiming is looming.

Many thanks in advance.

Since it is roughly twenty years old I would have assumed it would be raised by now?

I work part-time as I'm doing the Leaving Cert, I have a bank account for that work, alongside some cash savings. I'd like to keep own my bank account separate from the money I'll get from this fund as it's going to be used to benefit the entire household. The amount I'll receive isn't known but I can tell you for free it won't be significant, nothing where max deposits or anything are concerned.

By now, I should've made a savings account anyway, the fact I haven't is a bit silly. Despite that, I'm frugal enough where having the money accessible never was a problem.

I've been trying to consider the options between just making a savings account with my bank or going through the Credit Union, I'm not able to figure out the fine print very well, maybe I'm just having a sluggish morning or something. I was curious if there's much of a difference between the 2 in terms of interest, paying to maintain the account, et cetera. Where would the best place be for the money to reside? I wouldn't need instant access to the money, if that's any use.

Any information appreciated, thank you.

Hi folks,

Happy Tuesday. Is the deadline for claiming tax back for 2022 October 31 of this year or December 31? I’m getting conflicting info online !

What did you do with the money?

Any regrets?

Super random and might be a bit of a stupid question. But i’ve done quite a few internships and placements which all said they were contributing to my pension. But i’ve never seen it ? which pension? with who? Silly question yes I know (worse when find out these were all finance internships), but I’m 22 and genuinely curious if I have one and where does it exist? I have over two years experience now but have never seen this pension ?!?!?

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.

Lads... I was a contractor for one year back in 2024. I had never been employed on that way in the past or since. I found out I was delinquent in filing that year and now have to file. I paid an estimated tax and thought that was it but now revenue telling me I have to still file for that year.

I don't understand how any of this works.

Anyone know a good accountant i can consult with?

Cheers.

Currently work in a pharma factory - have applied for a CTA course with the Irish institute of tax. I’ve seen the salary for straight out of qualifying (which will likely take a couple of years) is about 45-55k and progresses with experience etc and going up each step.

Just looking for advice from someone in this career or someone who knows someone in it - is it worth it ? I have heard the exams are tough but would be willing to put in the work

I’m not an accountant btw. I was talking to an accountant friend and they said tax has excellent money it

Would also likely be looking to move to London, UAE or somewhere with the highest earning potential for this career

Thanks in advance!

Hello,

I am looking for advice on what investment platform to use in my situation.

I am currently living in Australia on a temporary visa, and plan to return to Ireland next year.

I want to start investing now. I want to setup with an investment platform that can easily be transferred from Australia based to Irish based.

I intended to use Trading 212 but after research I see they make you close your account, liquidate your positions and then setup a new account.

I want to setup with a platform that won’t force me to sell when I move home. Selling leads to tax payments which I want to avoid in the short term.

Thanks for any advice!!

have been offered a Sales Developer role at a large international environmental company in Cork.
The salary is €36k, with €48k+ OTE and uncapped commission advertised by the recruiter.
I’ve received my contract, and a few things concern me:
Probation: 9 months, potentially extendable.
Commission: No rates or targets specified. The company can change or withdraw the scheme.
Overtime: No overtime pay, only time off in lieu, despite potential weekend work.
International travel: Can be required, including overseas incident-response assignments.
Deductions: Broad clauses covering negligence, company losses and unauthorised personal phone use????
Pay reviews: Not eligible until completing 2 years, and increases aren’t guaranteed.
Annual leave: 20 days, normally limited to 10 consecutive working days.
Other employment: Need written permission to continue my existing business.
Pension: No employer contributions to the specified PRSA.
The company is providing training abroad and access to a pool car, so there are positives.
Am I overreacting, or is this an overly employer-friendly contract? Are these terms normal for an entry-level sales role in Ireland, and what would you negotiate before signing?