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@Protocol This is amazing, thanks so much! Your workings have come back to my back of a piece of paper calculations. Albeit more exact. Approx €10k per annum plus lump sum of €50k approx from Single scheme. A further €13k per annum from state pension. Another back of an envelope calculation in...

@llgon, I’ve been putting some thought to this and I think you’re correct. @Protocol suggested I’d gone wrong in my calculations too. My state pension is related to the 40 years I will have worked by retirement age; not just the 23 years in public service. I would assume that the €13k state...

Yeah, I can reduce the overpayment at any time. I will, however, aim to keep the AVCs sacrosanct. I’m under no illusions that my daughter will only get more expensive as time goes on. At the moment, this is the plan. Experience has taught me that plans can change. I’ll have to just play it by...

This is something I also need to confirm. I was under the impression that the €17k after 23 years service was inclusive of the state pension. Would be great if I was off the mark on this! I’ll check this out and find out for sure. I have found it nigh on impossible to access any easy to use...

Thanks. I’ve been with Cornmarket now for 2 years. I have an appointment next week to gain some clarity around projections and increasing my percentage contribution. I will also clarify their charges and see if there is any wiggle room.

Good point. I think to replace my car today with a like for like would cost a similar amount to what I paid 3 years ago! I’m in no rush to change and will wait and see. I might consider throwing a lump sum off the mortgage instead.

This is excellent advice, thank you. Yes, I do need to live also. I still want to get out there and do things while relatively young and able. I’ll remember the richest person in the graveyard example!

Yes, HCP is healthcare professional. I’ll admit, my calculations are rough. I basically took an average salary over 24 years, dividided by 80 and multiplied by years of service: 60,000/80*23 = 17,250. Maybe this is wrong? I have an appointment with Cornmarket next week to go through...

Oh and I should also mention, at retirement, I will have 40 years ‘stamps’ so my state pension will be in full. Combined with the SPSPS at 23 years, should yield me the princely sum of approx €17k per annum. Don’t know what the AVCs will translate to. I’d like to have around €25k per annum all...

I will start my saying some of the figures on other makeovers are intimidating! Well done to those of you who have been savvy and prudent over the years; I wish I had had your sense. My makeover, by comparison seems like peanuts… However, this is my reality (and maybe others reading?) and I...

Are you sure your exemption still stands? Before you go too far down the rabbit hole, I would confirm this given the announcements in recent days.

Thank you. Valuable advice I’ve taken on board. I will cancel the new card. Clear the balance from savings and just keep putting as much as I can into said savings each month, rather than to the card. Now I can only hope my house sells soon for a fair price allowing me to move forward. All...

I hear what you’re saying Leo. My plan was to just continue to clear down the debt, interest free and clear in full when the house sells. All the while leaving savings intact and continuing to save. Hmm, maybe I should just forego the new card and balance transfer and clear the card immediately...

Thanks all. This morning I was approved for 0% bal transfer from PTSB, documentation pending. I could have paid it outright from savings but would rather not touch that money and just clear it down myself each month. 0% credit will make this easier. Yes, I will. However I also wanted to show...

Early next year all going to plan, so 8/9months

Anyone else able to advise? Is it a bad idea to try to apply with PTSB in morning? Should I just decline the call or give it a shot? If I decide to just pay the outstanding balance, how bad does it look to take such a large sum from savings meant for a deposit. Although the amount will be...

Not so bad then, thanks @RedOnion. Still they’ll be wondering why and putting 2 and 2 together. Have you any suggestions as to where I should go from here? My first option is to hide under the bed when PTSB call in the morning but don’t think that’s the way to go... I should really get rid of...

Hi, Hoping someone can advise. Long story short, I made a large purchase on my Avant Card (€3300 and had a balance of €400 already). I have a savings account with over €16k but am using that as an eventual mortgage deposit and did not want to have withdrawals. Had the brainwave to apply for...

Thanks for that @RedOnion. That Gives me a starting point, as in I need to approach NI banks for more assistance. Might wait for the Brexit dust to settle though!

I live in a border county, living and working in the republic. It is my intention to buy a house in the not too distant future. In my area there are very few available properties and when they do come on the market are highly priced. If I were to travel 10 minutes, taking me over the border...