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You're right on that. My CU confirmed today that rules have changed and only €5 has to be kept on deposit so that's a plus. Thanks again for the links etc.

It is a relatively small loan but for me it's potentially reducing monthly left to spend by 3 or 400 euro for a number of years so for me that's not an insignificant amount. The site is called Askaboutmoney which is what I was doing.

Thanks for all the feedback. I will look at doing the money makeover form The interest rate is 6.5% APR. Would have to keep 10% on deposit I think but would need to check that. I can also repay early with no penalties.

I'm not looking to top up my mortgage . I bought through rebuilding Ireland so I don't think that's an option . I would be getting a home improvement loan. I have got some quotes so am looking at 20-25k . I@m early 40s , permanent pensionable job. After bills/mortgage/savings each month I have...

Just interested in other peoples feedback on this or how they would approach it. I bought a house in 2019. It's grand, very liveable no roofs caving in or anything serious but has a number of things I want to do with it. I say want rather than need but after 4 years they are starting to drive me...

I know of IT staff in TU Dublin that do blend working 2 days on site and 3 from home so might be worth keeping an eye there. It's a big organisation so the bigger the team the more flexibility there might be.

I'm looking into claiming tax back for utilities bills while working from home. I'm just wondering if anyone knows where you stand if you pay equaliser payments and want to claim back. So basically I used to pay an agreed amount each month for the gas and electricity to Electric Ireland as...

I am looking to start saving about €300 a month into a long term savings fund. I saw some advise from Eoin McGee that money that you think will be on hold for at least 5 years shouldn't be in a bank/cu account but should be working for you. I wouldn't know where to start really in terms of...

You can also help them in a less obvious way such as paying for white goods for them when the time comes. That's not a gift. That's just you buying a washing machine, fridge etc.

It's no harm talk to both a broker and local authority. Keep your options open. I bought my house through the local authority. Just bear in mind that local authorities will be looking at 12months statements etc rather than 6 months for the banks. It will also limit your search area as you'll be...

Just in relation to college in the future. The capitation fee has been reduced from 3k to 2k this year in the budget and there is some talk it might come down again. Also, when your child is applying for college be sure to check information with GC around the Access(includes financial support)...

That's exactly what I tried to do. Electric Ireland gave me the IBAN and then when I inputted it and tried to set up the SO they said I had to do the bill pay thing. No option to do a fixed monthly recurring payment.

I pay Electric Ireland by Direct Debit every couple of months. I was doing the Equaliser payment each month but have come off that and they advised me I could set up a standing order to pay an amount in each month so that the bills aren't too scary every 2nd month. However I tried to do this on...

I've had health insurance since I started working and I am healthy. I had a parent who had a lot of illness growing up and I saw first hand the benefit and the security it gave. It was painful to pay it at the start but it's just part of life now. Ultimately once you are in hospital the actual...

I was asked to provide proof of funds but only after my offer had been accepted. I didn't mind sharing the loan offer at that stage as the price had been agreed. Wouldn't dream of showing it before then. The only thing you can control in this whole process is how much you bid and when you bid.

I bought a house through that scheme. I got the council's MPI as no medical issues but I think I did hear of cases where people didn't qualify for the MPI and I thought were allowed approach other lenders. There's a good thread on Boards.ie where you could ask the question...

I spend about €30 a week for one person in Aldi. That feeds me for the week but I only have fish or meat once or twice a week. Meal planning is a game changer though I think.

Hi, that was very comprehensive so thanks. I will bear all of that in mind.

No windows :) . Sorry there are two double glazed windows one at the end of the extension and one on the side wall along with a back door. Walls sound hollow alright.

I don't actually know about internal drylining. I assume not as house is pretty old and I think the extension was the only work done to it. The house itself isn't too cold though in spite of that. Being part of a terrace helps too I think.