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I used my Visa Debit card last year in Hungary to pay for a largish transaction )approx. €1,500) as I don't have a credit card. The fee charged for processing this/FX fees etc. amounted to approx. €25. This would have been much lower with a credit card.

Thanks for the replies. As much as I would like to move closer to work, I can't sell my house, as I need to live in this area for now due to family commitments. I will look at selling my mortgage free property in Spain. However, the property is in a building with 2 other apts. My friend, who...

Age: 39 Spouse’s/Partner's age: N/A Annual gross income from employment or profession: E70k per annum / €4,000 per month (including €400 from renting a spare room). Annual gross income spouse: N/A Type of employment: Private sector Expenditure pattern: Now a saver. For the past 6 years, I...

I was made redundant last May and applied for Top Slicing relief in late Feb. Last week revenue emailed me to say "Your Top-Slicing Relief claim has been processed. A 2013 P21 Balancing Statement should issue in due course." I mailed them for clarification but didn't get a response. Do anyone...

I'm a bit disappointed that the OP is not inclined to take Voluntary Redundancy - however I accept that everyone needs to make the decision based on their circumstances and feelings. Just a point in relation to salaries in the ICT sector (am I right in assuming the OP works in this sector?)...

I was in a very similar position a few months ago - my story is below. Overall, it's really worked out well for me, but there are some downsides - see below. I applied for voluntary redundancy in May 2013 and received an after tax payout of 72k. I was working as an Account Mgr for a major...

It depends on how much your husbands salary is and your other fixed outgoings e.g.other mortgages, childcare costs etc. They will apply the usual stress tests and then determine how affordable the new mortgage is. The best thing to do is to make an application and see what happens.

It should be possible to get a generic letter from you bank to state you have mortgage approval. However, try to avoid letting the E.A. or the vendor know how much your approval is for.

No problem and well done on having the cash to purchase a house - I wish I was in that boat !

I don't know for sure but I imagine that a bank would be willing to consider this - you sound like a good prospect from the lenders perspective. The only thing is that many banks have a minimum mortgage amt. that they will lend - I have a feeling that it might be in the region of 40k, but I am...

Do you think that you are getting lower than standard market rent? If so, and you are happy to live with that a good alternative might be to hand the rental property over to the local authority/county council. I don't know the details of the scheme but AFAIK the general principles are: - you...

Hi there, Can you tell us what type of home you wish to buy. Are you looking for an apt. or house? How many bedrooms do you want/need? At this stage I'd say to you to lose and preconceptions you might have about neighborhoods and go visit them. On the budget you have mentioned, you would...

AFAIK, it depends on your new contract - it's on a case by case basis. I worked for a multinational and know of a case where a person left Ireland to work overseas. He had to resign from the Irish company and sign a new contract with the company in his new location. As a result his salary...

I live in Balrothery - a village about 2km from Balbriggan, so I know a little bit about Balbriggan. I don't know much about Donabate. I've ended up living here as my boyfriend is from Balbriggan and he wants to be here to be close to family and friends. I am from outside Dublin, so was happy...

There is a thread titled "If you had a choice to live 1hr from Dublin - Where would it be? in Location Location Location. Have a look at that for some suggestions If you had a choice to live 1hr from Dublin - Where would it be?

I don't think it's relevant to compare Switzerland to Ireland as from what I understand being a tenant in Switzerland is more secure than in Ireland and is therefore a more realistic long term option. For example, I am guessing that in the Swiss system you are better protected from large...

I live approx. 3 km from Skerries town, so know a little about it. Overall, it's considered a very desirable place to live, certainly in this part of North Dublin. Within Skerries the South Strand area is very much sought after - due to it's proximity to the sea. There is a good mix of older...

Being a landlord is no fun. I have 3 rental properties and 3 excellent tenants who pay on time and in full and look after the houses. All 3 properties are paying for themselves but even despite this very lucky and unusual situation it's not enjoyable for me. It's a lot of work and like having a...

Just to add I wanted a new credit card a number of months ago and asked Danske to supply it. I was told that I would have to go through this process ie make an appointment for a phone call approx. 2 weeks from the date I first contacted them. At the time, I was working in a very stressful and...

I think you need to focus on getting the mortgage approval sorted. You mentioned that you have just officially applied, from reading other posts it seems that getting approval can take some time, so let that be your main focus. Keep in touch with the bank, be prepared to answer their questions...