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Me too!

I wonder one day wiIl we regret missing out on time with the kids. It doesn't seem that way at the minute. By time we know for sure it will either be just fine or too late to change! Perhaps that has led us to 'go for it' when it comes to holidays. So far the kids are normal and seem content...

Deposit 84k House renovation 200k Car 60k Family 50k Mortgage adhoc payments 80k One-off holidays 20k No doubt we could be more frugal. Your note on 7.5k per month is under review! Is it "overspending" if we can afford it and are not in debt?

Thought about that when tracker started to rise. Landed on riding it out for a while, tracker might fall again and if keeping property for the longterm the current rates might be just a 3 or 4 year blip.

I have only started a pension recently, and feel it is low for my age. I had viewed the properties as long term holdings that would provide monthly income during retirement. Is this foolish? I think we could continue to max pension and clear PPR in next 4-years without selling.

Maybe "stress" is a word that is bandied about too easily. Work certainly takes commitment and can be demanding to all-consuming at times. While it feels tough going at certain periods you usually come out the other side with more ability and experience. This translates to progression and...

Thanks Freelance Wise comments on the timing of retirement and health. Better diet and exercise is definitely an area for improvement. Yes we max pensions at 25% of €115k+ the employer contribution on top.

@aristotle Wasn't always this level. Significantly increased in last 2 - 5yrs We have had large expenditure over last few years - house deposits, house upgrades, car upgrades, assisting familly, one off holidays like disneyland. Circa 500k over last 6 years. This was done from savings. When...

Personal details Age: 44 Spouse's age: 45 Number and age of children: 7 & 11 Income and expenditure Annual gross income: 127,000 + 15% Bonus Annual gross income: 145,000 + 20% Bonus Monthly take-home pay: 5,500 Monthly take-home pay: 6,500 Type of employment: Employee (both) Employer type...

Moved jobs Sept of last year and joined an occupational pension as part of the move. Never had any pension before that. Say PAYE salary is 115,000 for the whole year, albeit only 45,000 was earned in the new pensioned job. Assume can still apply the 25% to the full 115,000 less already paid...

Thanks Liam. Will look at that video tonight. Typo above. I am in the 40yr old bracket, so 25%!

Is it possible to make an AVC today but log it against last year (2021)? I am in the 40% bracket for pension contributions but only joined occupational pension late last year and contributed 20% for a few months in 2021. If it is possible what physically needs to be done. Is there a special...

Thanks Paul.

Hi Paul We are considering switching to Avant 3 or 4yrs fixed at 1.95% from: Current lender. BOI Outstanding mortgage balance €235k Approximate value of your property €420k The date you started your fixed-rate mortgage (month and year) Jan 2020 How many years you fixed for. Was fixed for 2yrs...

Concrete floor installed. DPM was cut off level with top of slab and none left out to lap in with dpc on blockwork. In some places can just see top of dpm, can't in others so could have been cut slightly lower. Blockwork not started yet. Is this ok? Is it wrong and if so what can be done to...

Is it causing you issues? Not particularily. I get random calls enquiring about renting but thats not a big deal. Maybe its my control or privacy 'tic'! Seems wrong that public can see inside my private property when I no longer want them to. And that info loaded on one site has ended up...

Hi I advertised a property 'to let' on Daft in 2018. This is only place I advertised. Sometime thereafter it appeared on 'homes.mitula.ie' and is still there. I did email their data protection address asking for them to remove my property photo and details. Radio silence thus far. There is...

If it helps: We are on a 2yr fixed rate with BOI. Finishing next year. We over pay with BOI each month by 10%. This is about €130pm so greater then the €65 noted above. We have also paid off a lump sum each year on top of this monthly payment for which a very small breakage charge was incurred...

Thanks to all! From the information here I switched to BOI 2.8% fixed from 3.25% fixed for the price of a phonecall and breakage fee of circa €170.

Similar situation. First time application. Estimated issue date was 4 days before flights. I called into the passport office with a copy of our flight details and passport express tracker number. They put a note on my file and I collected them 3 days later.