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It’s way easier to use the App to upload expense receipts v having to log on to My Revenue

Anybody know why the Revenue withdrew there “Receipt Tracker App “ …it was very handy

Fair play Mary …your dead right the vast majority of money makeover on this site are from very well heeled individuals , it’s great to see a normal looking case for a change. IMHO your doing the most important thing by taking responsibility and planning you and your family future. Best of luck...

Hi all, Just wondering if anyone else noticed their lender not psssing on the full ECB Rate increase … my provider only added 25bp ? ECB went up 50bp

Strikes me that this is an opportunity to reduce the standard rate state pension …I reckon they will allow the std state pension to stay around 13k ( effectively losing out to inflation ) and they’ll increase the deferred rate maybe 14k / 15k / 16k / 17k (67-70) , their logic been ; those who...

Thanks guys

My question is more around if I switch to Eir or Sky will the service be ok …given the savings thst I can make …€30 less per month

Can’t find one of those cables at the moment … but would that matter seen as I will be using Wi-Fi if I switched to another user ? 74mb on the current Wi-Fi connection seems perfectly good , thinking that on that basis Eir or Sky would be fine but cheaper

Wifi

Hi all, just wondering my current broadband is with Virgin Media 500mb but yet whenever a do a broadband speed test it always shows 74mb download and 20 upload … does this mean I don’t actually need the full 500mb service and a cheaper provider Eir or Sky who both say the provide 100mb in my...

Thanks Horseman

I agree it’s very difficult to predict how things will evolve in the state pension issue. It does unfortunately make it difficult to plan for retirement with this particular pension fund.

Thanks Conan … any idea how things would work with this type of DB if in the future the government decided to means test the state pension ? …like it’s difficult to disqualify under means test rules somebody who’s pension is linked to the state pension ?

Hi Our Defined Benefit Pension had a direct relationship to the value of the state pension in the calculations. I think it’s your final salary less twice the state pension x 40/80. Does this in effect mean that if the state pension were to increase €10 / week in the Budget 4% and at the same...

That’s good to know Isle of Man , but I’d be concerned that anyone with 20 years to state pension age needs to think differently as that 12.5k or 25k if a couple is not guaranteed in that timeframe … it makes retirement planning for more strategic than it is for somebody retiring today.

Personally I wouldn’t be relying on the state pension in your planning if I had an ARF with 1.250m …changes are coming and not for the better.

While it frustrates me that I’m paying a lot of prsi for a pension I’ll probably never get I do agree with the overall sentiment above that providing for a private pension remains the better option to try and ensure a decent future.

That’s exactly what I’m anticipating ...this my original question : should those of us currently paying into a private pension consider stopping , take the tax hit now and keep the net proceeds and qualify for the pension which we paid for with our prsi

I’d agree with Galway blow in ... thst would be a good starting point to reduce the state pension and start to make it affordable

The question I’m posing here is should middle income Ireland consider the merits of not paying twice for only one pension