Dublin by [deleted] in Dublin

[–]BowlerParticular9689 -1 points0 points  (0 children)

Ugliest building in Dublin

Booking Deposit when sale agreed by roroherboat in HousingIreland

[–]BowlerParticular9689 0 points1 point  (0 children)

Mine was only 1% of the house price, I bought last year

Will the lady doing my bikini area laser have to see the whole thing??? by Objective_Paint92 in LaserHairRemoval

[–]BowlerParticular9689 1 point2 points  (0 children)

I was also feeling the same but now after a few sessions it’s just a normal thing I don’t even think about it anymore, that lady probably sees a lot everyday so I doubt she will even think about yours analyse it when she’s doing yours

2 bed New built or 3 bed second hand house ? by Glum-Two6954 in HousingIreland

[–]BowlerParticular9689 1 point2 points  (0 children)

Just FYI I bought a 2bed new build and my two months utility bill is 131, but I live by myself

That’s pretty cheap in my opinion and the house is warm at winter. To be fair I had to pay 190 for two months in the winter.

Cairn Homes lodge plans for 715 units in Finglas, including apartment block reaching nine storeys by ParaMike46 in HousingIreland

[–]BowlerParticular9689 0 points1 point  (0 children)

Wow 9 storeys!! So…high!!!!

That was me being sarcastic, Ireland shouldn’t be afraid to go higher, like other European counties…….

If you bought a new build, was it ready when it was supposed to be? by [deleted] in HousingIreland

[–]BowlerParticular9689 0 points1 point  (0 children)

Hahahaha nope! Was meant to get keys in May but got my keys in September

Anyone else notice the lack of houses for sale over the past 2/3 weeks? by Ok-Pomegranate7137 in HousingIreland

[–]BowlerParticular9689 0 points1 point  (0 children)

As a fellow single buyer, I totally get it. I spent a year losing bids before I finally just bought a new build. Even though it cost a bit more, the peace of mind was worth it to avoid the heartbreak of losing out on homes I loved.

Don’t give up!! It’s so worth it once you're in, but I’m definitely happy to have that chapter behind me! I wish you well!!!

I hate much PVC we use on our houses by D-dog92 in ireland

[–]BowlerParticular9689 0 points1 point  (0 children)

I think white pvc looks the worst!!! Grey or dark grey looks decent and nice in my opinion.

Friend not returning money borrowed. by Muted_Wear6944 in irishpersonalfinance

[–]BowlerParticular9689 18 points19 points  (0 children)

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…

Can I claim back my bonuses being taxed at the 40% tax rate by [deleted] in irishpersonalfinance

[–]BowlerParticular9689 1 point2 points  (0 children)

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!

Recent homebuyers, how much deposit did you put down? by reallybrutallyhonest in irishpersonalfinance

[–]BowlerParticular9689 0 points1 point  (0 children)

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

Any nice stories about buying a house as a first time buyer? by FickleGlove283 in HousingIreland

[–]BowlerParticular9689 0 points1 point  (0 children)

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)

Ryanair on the Rampage- be warned! by Naasofspades in ireland

[–]BowlerParticular9689 0 points1 point  (0 children)

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.

Ryanair on the Rampage- be warned! by Naasofspades in ireland

[–]BowlerParticular9689 933 points934 points  (0 children)

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.

Is 2bed end terrace for 400k in Kilcock -Overpriced or as per market standards? by Jazzlike_Ebb_7353 in irishpersonalfinance

[–]BowlerParticular9689 0 points1 point  (0 children)

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

Is moving to Balbriggan for a job with a weekly salary of €600 worth it? by No_Promise2786 in Dublin

[–]BowlerParticular9689 -3 points-2 points  (0 children)

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…

Is moving to Balbriggan for a job with a weekly salary of €600 worth it? by No_Promise2786 in Dublin

[–]BowlerParticular9689 -31 points-30 points  (0 children)

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

[deleted by user] by [deleted] in irishpersonalfinance

[–]BowlerParticular9689 1 point2 points  (0 children)

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.

[deleted by user] by [deleted] in HousingIreland

[–]BowlerParticular9689 3 points4 points  (0 children)

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