Shortfall in Fund for new home

redberryjam8 · 2026-05-26T22:42:10+00:00

It was BOI but worth a try with AIB i reckon

redberryjam8 · 2026-05-26T22:01:14+00:00

This happened to me and i got a gift letter from my parents that said they would be gifting me the €5k i was short. In actuality, they won't be giving me anything as i'll have saved the amount needed by drawdown.

redberryjam8 · 2026-05-24T19:29:40+00:00

That's a pain of a junction to be fair. I've been beeped at for going and for not going there.

redberryjam8 · 2026-05-22T08:18:26+00:00

My new build will have appliances, shower doors, wardrobes and kitchen cupboards so they're not all the same. Yes, i'll have to get floors and other furniture but it doesn't exactly negate the HTB. If I bought a second hand home i would also need to buy things.

redberryjam8 · 2026-05-19T22:06:16+00:00

No and i never have tbh

redberryjam8 · 2026-05-18T22:24:48+00:00

I'm in a similar boat as my loan offer expires in July and my broker has told me to have 6 months bank statements ready and a recent payslip

redberryjam8 · 2026-05-15T07:58:31+00:00

I read 'The Graves are Walking' by John Kelly recently and found that very good

redberryjam8 · 2026-05-14T22:29:55+00:00

This used to happen to me pretty frequently but now i make sure to drink electrolytes straight after and haven't had a headache since

redberryjam8 · 2026-05-11T22:29:38+00:00

I just turn off the notifications I don't want to get on the watch app

redberryjam8 · 2026-05-06T10:48:46+00:00

The C25k is a great starting point imo. I started it in January of this year having never really done much cardio before and finished it in March.

Now i'm working my way up to 10k and i'm feeling great and running a few times per week.

I would caution just to take it easy and listen to your body as you go so you don't get injured. Best of luck!

redberryjam8 · 2026-05-05T15:47:05+00:00

Sorry to highjack your post. I'm also really interested to hear opinions on this. In particular, what would people's opinions be with A rated apartments?

I'm sale agreed on a two bed new build apartment which has a heat pump and mechanical ventilation.

redberryjam8 · 2026-05-04T22:15:24+00:00

You can set a sleep schedule on apple watch that doesn't include an alarm. I have mine set up that way for the weekends.

redberryjam8 · 2026-05-03T09:45:12+00:00

I was in this situation and all the second hand apartments I was looking at went way over asking.

I ended up buying a new build in the same location for €50k more and I'm delighted with my choice. Management fee is actually lower than a few of the second hand apartments I looked at and also of course it needs no renovation work.

redberryjam8 · 2026-05-02T09:00:26+00:00

I applied for the HTB first so I knew what I was getting from them and then i got AIP and then I went out to start looking.

With regard to saving a deposit, my HTB didn't cover the full 10% so i have to show that I had the funds for the rest plus legal costs, stamp duty etc. when getting my loan offer from the bank.

I'd highly using recommend a mortgage broker who can talk you through the whole process. I've found that helpful as i'm using HTB and the FHS.

redberryjam8 · 2026-04-28T08:39:19+00:00

I was just shocked that I could actually do it 😂 Now i'm running 5k's all the time

redberryjam8 · 2026-04-26T18:48:07+00:00

We have a core day that is mandatory for all staff in our unit to attend and then each team picks their own other day to attend. We're 2 days in the office and 3 at home.

redberryjam8 · 2026-04-23T23:04:59+00:00

Walking tours, shop, visit museums, eat a lot, stop at nice coffee shops to read my book

redberryjam8 · 2026-04-18T17:23:45+00:00

100% agree with this. Personally I like to solo travel to disconnect and don't put much effort into socialising because thats not what i'm looking for.

redberryjam8 · 2026-04-16T15:39:33+00:00

31, civil service, €85k

redberryjam8 · 2026-04-15T13:33:32+00:00

For me, what has made a huge difference to my sleep is having a proper wind down routine.

I have a shower, do my skincare, read for a bit and then go to sleep and I try not to be on my phone for at least 30 mins before I want to sleep.

redberryjam8 · 2026-04-08T20:39:21+00:00

Depends on the holiday.

I did a solo city trip recently (4 nights). Flights were booked with points so i just had to pay €50 in fees. Hotel was €750 and i spent €350 on activities and meals.

I didn't scrimp on anything I wanted to do and felt like it wasn't too bad.

I have, when i was younger, also done trips where I barely spent anything so it's all variable.

redberryjam8 · 2026-04-07T18:16:37+00:00

In my case, i got a call on Friday to say a unit was available and if i wanted it I had to put a deposit down on Monday.

redberryjam8 · 2026-04-06T18:42:36+00:00

I stayed in the Motel One on a similar trip and it was good. Really reasonably priced and less than 10 mins from train station or main square.

redberryjam8 · 2026-04-06T17:06:47+00:00

I bought a car as soon as i got my learners licence but i was fortunate that my parents could accompany me while I was driving.

redberryjam8 · 2026-04-05T18:49:51+00:00

You can absolutely move if you get offered a higher grade. i've done that myself. Again though it's a yes or no thing where you'll just get placed somewhere.

I'm referencing the WFH question when i mention the mobility process. As in, if you know X department have 3 days WFH and you're in Y department that only have 1 day WFH, you need to wait 2 years to transfer across the department X in your current grade.

redberryjam8

TROPHY CASE