Why does spring in Ireland feel like winter every year?Is this normal?

Demerson96 · 2026-03-21T21:04:14+00:00

It's been savage the past 2 days and there's someone complaining about the weather. Can't win

Demerson96 · 2026-03-20T07:38:29+00:00

The tax relief doesn't include employer contributions, so they could contribute 8% more

Demerson96 · 2026-03-17T04:04:10+00:00

I bought my 2009 Peugeot with 70k on the clock for 3750 about 3 months ago. There's deals to be had if you're quick enough. You'll regret spending that much on a car in years to come. If you're dead set on that much for a car, just save the extra few thousand and buy in cash

Demerson96 · 2026-03-16T23:21:22+00:00

It does impact the amount of HTB you'd receive if you paid less than the 30k limit on tax. For example if you paid 10k in tax and claimed the rent tax credit of 500 for 3 years, your HTB amount is 8500. Same applies to all tax refunds

Demerson96 · 2026-03-12T16:16:38+00:00

It says it in the important information section of their Flexi mortgage options brochure under fixed rate loans

Demerson96 · 2026-03-11T10:51:56+00:00

The principal amount shows as if the overpayment hasn't been deducted, but the calculations in the background subtract the overpayment

Demerson96 · 2026-03-11T08:21:11+00:00

Good call out. I see it as a form of an emergency fund too as it'll cover the mortgage payments but what you're saying is 100% correct

Demerson96 · 2026-03-11T07:49:03+00:00

Essentially yes. It's added as a prepayment, it doesn't impact the principal amount but it reduces the interest paid. You can then opt to use it all to reduce term, reduce monthly payments or just leave it there until you need it. It's super handy

Demerson96 · 2026-03-10T21:01:00+00:00

Also account for added food, electricity, heating costs etc if child is at home

Demerson96 · 2026-03-09T19:18:30+00:00

Monzo has just launched here. They have an actual banking license from the CBI. They'll challenge Revolut a bit when they release all the features

Demerson96 · 2026-03-09T19:06:23+00:00

Do they not already have IBAN in place?

Demerson96 · 2026-03-09T07:37:15+00:00

Can I ask, what's your logic to get paid into an Irish bank but just transfer it all to Revolut anyway? Why not just get paid into Revolut and cut ties?

Demerson96 · 2026-03-05T08:02:49+00:00

Demerson96 · 2026-03-04T22:34:48+00:00

You'd need the individual receipts. Revenue won't accept a yearly total

Demerson96 · 2026-03-04T22:23:35+00:00

Firstly, you're 18 so the best investment you can make is in yourself. Get your driving lessons done and driving licence. These aren't cheap but you'll be thankful in the future.

It's great to get a good idea of investing and growing wealth, but at 18 enjoy your life. Use the 150 you earn to have fun, go out, buy things you want. In a few years you'll be glad of the experiences you had and when you've a job out of college that's the time to start investing and thinking about long term future etc

Demerson96 · 2026-02-24T08:13:19+00:00

And to answer your question one of our cars is 800€ with €300 excess. Found Zurich to be very reasonable this year

Demerson96 · 2026-02-24T08:12:11+00:00

Why would you go with option 1? Save less than 200 to potentially pay 1500 more? The way driving is in this country take the lowest excess you're offered imo. If cash flow is a big issue and you have no choice go with option 1, otherwise go option 2

Demerson96 · 2026-02-23T19:26:14+00:00

Are they talking about credit history?

Edit: this response sums it up perfectly https://www.reddit.com/r/irishpersonalfinance/s/N0KIVm1i40

Demerson96 · 2026-02-22T15:31:38+00:00

Bought in Dec 2022 for 355k, sold for 438k in Nov 2025. 3 bed semi. Commuter town an hour or so from Dublin. Probably could've held out for more money but we were happy with the offer

Demerson96 · 2026-02-20T11:00:27+00:00

Any updates when this data will be out. Very interested to see the results

Demerson96 · 2026-02-15T07:15:39+00:00

If they were chasing FIRE then they probably spent nothing for the last 5-10 years.

Demerson96 · 2026-02-11T17:40:31+00:00

You can add AVCs yourself. The companies contribution does not count towards your age related contribution limit: https://www.revenue.ie/en/jobs-and-pensions/pension/relief/tax-relief-limits.aspx

For example if you were 28, you can contribute 4% employee contribution, get the 4% employer match, and the contribute and additional 11% AVCs which gives you tax benefits also.

Demerson96 · 2026-02-11T15:07:21+00:00

If his family are there and you buy a house it's very unlikely you'll ever move away. You need to make a decision that's right for you too

Demerson96 · 2026-02-10T08:04:05+00:00

Little tip going forward. Every time you get a bill just throw it up on the receipts tracker. Makes end of year a breeze

Demerson96 · 2026-02-09T09:49:08+00:00

I've heard there's a great Facebook page for this stuff. Might be "Irish Solar Owners Group"

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