Search results

  1. B

    Should I use some invested money to pay off credit card debt.

    I plan to close of cc account once paid as I have been building an emergency fund for the last few months. I don't want to use emergency fund to pay cc as then I have to use cc again when something comes up.
  2. B

    Should I use some invested money to pay off credit card debt.

    I have 2300 in credit card debt which I find hard to bring down. The interest is crippling at 22%. I have 25k in a prismatic 5 account with Zurich which I invest 400 per month into. Its a fund for kids college fees in 10 years time. Should I clear cc debt by doing a partial withdrawal from fund?
  3. B

    Is a mortgage holiday a good idea?

    Yes we are entitled to a mortgage holiday. Thanks for your reply. If second property sold we would be in a better place. We would pay off short term loans and also have money that we are paying on second mortgage. I guess I just want to know if there are any pitfalls in taking a mortgage holiday?
  4. B

    Is a mortgage holiday a good idea?

    Hi, Despite having a joint income of approx 120k we are really struggling with cash flow in the past year. 50% of our salary appears to be going on servicing debt. We increased the payment in our mortgage years ago to reduce the term. We currently pay 1400 per month and have 7 years left 109k...
  5. B

    Advice on saving Child benefit for College fund

    Hi, I am looking for some advice on saving my kids child benefit for their education costs in the future..college fees or whatever direction they decide to take. I currently have approx 8k in a KBC account that is earning very little interest. It started out at 3% but has been reduced...
  6. B

    Going on maternity leave -Should we get jointly assessed

    Thanks for your reply Black sheep. Yes we are married. Will I end up paying more tax in July when I return to work if we are jointly assessed..to cover maternity benefit tax. I havn't a clue how it is worked out and Revenues website is as clear as mud. Do you know how much better off we would...
  7. B

    Going on maternity leave -Should we get jointly assessed

    Hi, Hope someone can help with my query. I am going on maternity leave mid December and plan to return to work after 26 weeks. My salary is 47k and my OH is 52K. We are currently assessed separately for tax purposes. I will not receive payment from my company while on maternity leave so...
  8. B

    Joint or separate assessment

    I am going on maternity leave soon and would like to know am we would be better off to be assessed separately or jointly. My oh earns 55k and I earn 47k but my employer does not pay maternity leave. If we get assessed jointly will I get taxed more on state maternity?
  9. B

    No response from bank re overpaying

    Thanks for all your advice. Just an update, I finally received a letter from AIB yest advising that they had reduced the term of the mortgage and that teh payments would be increased as requested. I would love to get a breakdown of the new term, ie. how much interest would be paid now. They...
  10. B

    No response from bank re overpaying

    Thanks for your replies emeralds and Dermot. Emeralds you have the email address? So Dermot, can I just transfer the amount online to mortgage account or how do I make the payments?
  11. B

    No response from bank re overpaying

    I am trying to overpay my mortgage to reduce the length of it from 30 to 20 years and reduce the interest by 65k over term of it. I have rang the bank on four occasions and each time I was informed that someone would call me back but no call yet. I also went into the bank and requested the...
  12. B

    Why does Avant card allow limit increase online but not a decrease?

    I recently required a temporary increase on my avant credit card and I did it via their website. I now want to decrease the limit again but the website doesn't allow me to. The first link states that I can increase or decrease your limit but when I try to decrease I get a message saying that the...
  13. B

    Approx annual cost central heating

    We used oil central heating last winter for 3 hours a day, an hour in the morning and two hours in the evening. this cost us 200 euro a month. We are installing a stove with back boiler this year to save some money.
  14. B

    How to protect tar driveway during landscaping

    Yeah I know that heavy machinery can do a lot of damage to drive. The landscaper advised me to get something to protect my drive.
  15. B

    How to protect tar driveway during landscaping

    Thanks leo. Do you know if it's expensive to hire? I don't want to spend a fortune on it either.
  16. B

    How to protect tar driveway during landscaping

    Can anyone advise how to protect my tar drive while hard landscaping is going on? It is a large drive so if I used tarpaulin I would need about 20 of them!! Is there a cheaper option? I will have a dumpster and mini digger doing a number of trips throught the driveway as I don't have access...
  17. B

    Insert stove with back boiler

    Thank for your reply. Do you mind me asking what the job cost you as we are looking to get this done for the winter. Thanks a mill.
  18. B

    Cost of getting painter to paint 2200sqft dormer

    That's not bad. Thanks for ur reply.
  19. B

    Cost of getting painter to paint 2200sqft dormer

    That is a fantastic price. I am in Galway though so I'm afraid he may not travel this far!!
Back
Top