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I’m interested in this answer too. Currently maxing out pension.

I’m thinking about buying a holiday home either in Wales or England in the next year where we would rent out for some months of the year through an agency. Both my brother and I plan to do this as an investment for retirement and fully in cash to avoid mortgage issues. He is lives and works...

“ usually is a short term fix“That’s usually the opposite. What you go in at first off is what the increases are based off of.

Ok so looks like you’re on the way to being managed out so it’s now the case that you manage it carefully. Do the PIP, challenge every comment that you are underperforming, get as much support from lateral peers (email from x saying benign stuff like thanks for your help, quick reply… ) and...

Employee contribution. not sure of tax treatment.

You may be able to do an AVC to your pension for a last year and place savings in there. Then chose carefully the funds the pension is based on.

A related question would be -What do you plan on taking up in retirement and how is that likely to impact? For example golfing or travelling away more? factor in those costs too.

Would 20k Be an adequate emergency fund if the other 100 was tied up? It might not be - even a car packing in could cost you more than that. FWIW i think you are well set up apart from the fact I don’t see income protection - which you probably do have as part of that work package. the...

offering my own take on your situation; - save enough accessible cash to cover fairly foreseeable risks like if the car breaks down, layoffs, you are sick for a while. Some say 3 month, more say 6 months worth of salary you need to decide what’s enough for your joint circumstances, and once you...

Ied have to agree with this. You have a good base degree, and experience and there are a lot of remote jobs where you never have to go to an office ever if you don’t want to and they can pay well as in VHI, matched pension contributions, certifications etc., so maybe you need to talk to someone...

You are correct in what you say yet it managing people isn’t his thing ied say PMP may not be helpful here. Influencing people who are not working for you is as difficult as direct management

I agree. The problem is you won’t know the reason why it is left as it is and it would rattle around in your head and make you very paranoid and miserable if you can’t put it to one side and just accept it(quite normal ied say). So the option to leave and preserve your mental health is probably...

2 things for the OP that come to mind. I agree that a formal complaint is not the way to go, particularly in this climate. The company would most likely pay you off and let you leave. And that’s not what you say you want. Lodging a grievance without knowing what you want and what the worse...

The wording here assumes a lot - maybe OP wanted his wife at the time to stay at home? And the sacrifice was on her part? Moving out with nowhere to go makes no sense, especially with the costs of rent etc. Because there are teenagers involved I would stay put and start talking to them...

In the last 4 years my kids got €20 or €10 from family and the school doesn’t encourage money or cards from friends so there was none of that, €50 from grannies and the wildcard godparent got a games console for one and a iPad for the other. nieces and their friends in the country on the other...

Max out avc, and share scheme, increase your monthly mortgage top up / additional contribution if that’s allowed and then go off and explore life a bit more before your savings.

If the cities and towns in Ireland had decent dependable transport that supported local hospitals, schools etc it would be better for *everyone* and those whose salaries didn’t stretch could live a little further out and still commute like they do in other countries, namely the UK. Nurses and...

? Will this lead to dereliction - Can't / Won't to sell it for a variety of reasons, too expensive and risky to rent it, "sure lookit"

It's difficult to comment without knowing why you can't shore up your outgoings right now. If you are spending 50% of your wages on bank borrowings then you have 4k and children allowance in cash every months so when you say you have no spare cash that really means that you can't see where that...

FWIW the mortgage would be my first priority in your shoes too.