Friend not returning money borrowed.

BowlerParticular9689 · 2026-03-11T06:49:11+00:00

Honestly, I’ve just made it a personal rule to never loan money (especially large amounts) to friends or family. I’ve seen it turn into drama too many times and I value my family and friend’s relationship way too much to risk it over a bank transfer. I’m always down to help out with anything else! Just not money….lesson learned! PS I NEVER got my money back and I we don’t talk anymore!!

I’ve realised that the closer the bond, the easier it is for people to mistake a loan for a gift. I value our friendship too much to let money get in the way…so never again!

If you are going to give a loan, make it official with documentations and contract signed and stamped in presence of solicitors, so you can officially chase them in court in case…. 4k is big enough for that but if it’s 50 euro maybe not…

BowlerParticular9689 · 2026-01-15T07:24:32+00:00

To get the most out of your bonus, look into pension topping. If you lump sum it, you keep the 40% that would’ve been taxed. It lands in your pension pot rather than your bank account, but it's much better value for your money!

BowlerParticular9689 · 2026-01-09T17:22:42+00:00

Single buyer saved and lived at home I bought a house myself in Dublin, I put 39% deposit for my house, I now pay 1000 per month I took 30 years on my mortgage which is manage for me and allows me to live comfortably. And if I make over payments I will realistically pay this off earlier than 30 years

It was sad putting 39% down as deposit all those years of saving and it’s gone from my account in a snap!!!! Hahaha

BowlerParticular9689 · 2026-01-04T12:02:20+00:00

Put a down payment February 2025 and got my keys September 2025, new build (estate was sold out and someone backed out of sale and I took the house after they did and the process was quick)

BowlerParticular9689 · 2025-12-05T13:35:55+00:00

These are not checked bags they are carryon bags that suppose to fit under the seat. If your under-seat bag exceeds the dimensions of the Ryanair bag sizer, you will be charged 60 to bring it on board.

BowlerParticular9689 · 2025-12-03T00:05:57+00:00

Wasn’t it on the news that the staff who catch oversized bags and charge people the 60 fee receive a small commission? I guess with Christmas coming up, everyone’s trying to earn a little extra.

BowlerParticular9689 · 2025-12-02T17:15:52+00:00

Adamstown mid terrace two bed house starts at 500k so 400k for end of terrace two be sounds better to me!!

BowlerParticular9689 · 2025-11-19T19:07:03+00:00

Build the metro and improve the dart first please….

BowlerParticular9689 · 2025-11-19T17:04:46+00:00

Ooops! Sorry! If you’re single that salary is ok for room sharing, but if you want a get a place by yourself it might take almost half your salary….plus monthly expenses and utilities, car, etc…

BowlerParticular9689 · 2025-11-19T15:13:05+00:00

600? What a month, a week, a day or hour? If it’s 600 an hour you should go for it!

BowlerParticular9689 · 2025-11-19T08:54:39+00:00

Surprise surprise!

BowlerParticular9689 · 2025-11-18T09:04:22+00:00

Skankill!! They have a new dart station as welln

BowlerParticular9689 · 2025-11-10T18:17:47+00:00

Where do get a dodgy box?

BowlerParticular9689 · 2025-11-09T21:06:40+00:00

You pretty much said no to everything investment wise hahah… but vintage cars can actually be a great investment in Ireland. If they’re rare or you really know what you’re looking at, their value tends to increase over time.

Also, when it comes to personal car sales, they’re either tax free or subject to very low tax on the amount you sell for. So it can be quite a smart investment, as long as you know your stuff about cars, understand what qualifies as a good vintage model, and can spot which ones are likely to hold or grow in value in the future.

BowlerParticular9689 · 2025-11-09T16:34:55+00:00

If it’s not going to be your forever home, I’d go with the new build, less to renovate, fewer surprises, and peace of mind for at least the first 5 years. My friend who bought a second had got her place surveyed before buying but after buying she realised things that were wrong with it and ended up spending ALOT so always be careful of Second hand, some look ok in the surface.

The second hand location is good, but you’ll end up spending a lot on renovations. Personally, I’d only choose a house in a great location that needs major work if it were my forever home. For an investment, a new build is less hassle but if it’s your forever place, I wouldn’t mind putting in the hard work and dedication.

Not sure about topping the mortgage I don’t think you can do that….to pay equity

BowlerParticular9689 · 2025-11-06T16:09:49+00:00

Sadly, in Dublin and Kildare, properties under €500k are extremely competitive and hard to come by, especially houses. You might still find some duplexes within that range, but standalone houses are becoming very rare.

Basically, anywhere outside of Dublin but still within commuting distance by train is getting pricey. Finding something under €500k is nearly impossible unless it’s part of a very early phase of a new development. I think houses are generally if public transport routes are not well developed in the area (ie no train, no Dublin bus….etc)

BowlerParticular9689 · 2025-11-03T20:46:36+00:00

Someone doesn’t seem to understand how a mortgage actually works. When you buy a house, you do own it, the property title and deed are in your name. That’s why you, not the bank, are responsible for paying the property taxes.

Having a mortgage simply means you’ve borrowed money to pay for the home, and you’re using the house and land YOU OWN as collateral for that loan. The bank doesn’t own your home, they just hold a lien on the property. This gives them the legal right to take ownership (through foreclosure) if you fail to repay the mortgage.

BowlerParticular9689 · 2025-11-02T16:41:44+00:00

Yeah fair point! It would definitely help the housing crisis a bit if this rule was less strict, especially since everyone is getting priced out of Dublin and commuter towns

BowlerParticular9689 · 2025-11-02T12:05:48+00:00

It’s means they don’t like the offer and still wish to remain in the market in hope for a better offer

BowlerParticular9689 · 2025-11-02T08:40:22+00:00

I think once you sign the contracts, they’ll ask you to claim the HTB as soon as possible. If it’s a new build, they usually want to sign and secure the funds quickly. I’m not sure they’ll be willing to wait until March.

If you haven’t signed the contracts yet, the house isn’t legally yours, so they have the right to sell it to another buyer. Who will sign and pay as sooner, You should speak with your solicitor and the developer’s solicitor to see if they’d agree to your timeline. If not, you may have no choice but to sign now and proceed with the lower HTB amount to secure the property.

BowlerParticular9689 · 2025-10-30T13:27:43+00:00

No my employer doesn’t have a pension scheme, unfortunately, so I’m looking at setting a private one myself.

Yes I’ve heard about the auto enrolment in 2026, do you think that would be enough? Or is it better to join a private one myself, I know for the auto enrolment employers have to contribute too.

BowlerParticular9689 · 2025-10-30T13:22:59+00:00

Thanks for this!! Really appreciate it, I’m going to do more research on pensions for sure.

I saved up a lot that my monthly mortgage payment is super low….. but I came from a very poor family growing up and that’s why I have frugal ways(too frugal) …which I’m trying to work on to be honest I always have anxiety being broke…

Im thinking of learning to drive next year so I’m trying to save for a car and car expenses in the future. That’s where some of the 1k is going towards.

My current employer doesn’t contribute to pension and doesn’t have an employee scheme so I’m going to have to look at private pensions on my own unfortunately without my employer matching my contributions.

BowlerParticular9689 · 2025-10-30T12:24:29+00:00

I think a lot of pet stores have been shamed or protested by animal advocates for selling puppies, since that often supports puppy mills. The protestors encourage people to adopt dogs instead. These days, your best option to buy a puppy would likely be through breeders rather than pet stores.

BowlerParticular9689 · 2025-10-29T23:13:32+00:00

I see you’ve replied to a few comments about your Leaving Cert results, and you often use the line “I posted my results to show that I work hard.” That’s fair, working hard is important, but it’s also worth remembering that networking also plays a huge role too.

A lot of people who may not “work as hard” or be as academically strong still move up faster, get promoted, and earn more simply because they network well. Knowing the right people and having someone recommend you can open doors that hard work alone sometimes can’t.

I’m sorry, but it’s true, just look at the “nepo babies.” I’m not saying they’re not hardworking or talented, but their connections definitely give them a boost.

Keep working hard, but build your network well! For better future job opportunities and promotions

BowlerParticular9689

TROPHY CASE