The festive season is here, and for many of us, it’s a mix of joy, stress, and spending! While shopping for loved ones can be a highlight of the year, it can also take a toll on our finances if we’re not careful.
So, what type of Christmas shopper are you? And more importantly, how can you stay financially organised, no matter your shopping style? Let’s find out!
So, you’re a couple without kids (CWOK). Two salaries. No childcare costs. More freedom. On paper, it looks like you should be financially ahead of everyone else.
But here’s the surprise: having no kids doesn’t automatically mean you’re better off.
And having two incomes doesn’t automatically mean double the savings.
In fact, couples without kids who don’t budget, plan, or protect themselves financially can end up worse off than couples who do, even those with kids and all the expenses that come with them.
Let’s break down why.
As the evenings get darker and the temperatures drop, it’s not just the chill that creeps in; higher costs do too. Between heating bills, Christmas spending, and the usual family expenses, winter can hit your wallet harder than expected.
With no energy credits planned for Budget 2026, rising costs could hit Irish households even harder. Now is the perfect time to start building habits that protect your finances long-term, not just for this winter.
The €250 energy credit in 2025 was a big help for many families, but with that support ending, finding new ways to manage rising costs is key.
Here’s how to winterproof your wallet and keep your finances steady through the cold months.
When it comes to money, trends come and go. One year, it’s cryptocurrency; the next, it’s AI stocks or a “can’t miss” investment scheme. However, while the financial world keeps evolving, the fundamentals of good financial planning never really change.
In this article, we’ll look at timeless tips that never go out of style, simple, practical moves that can help you stay financially secure no matter your age, income, or what’s happening in the economy. Keep these in mind when planning your finances, and you’ll always have a solid foundation to build on.
Budgeting isn’t everyone’s cup of tea, but let’s be honest, it’s essential for a solid financial plan. For many, the idea of tracking every euro and filling in spreadsheets feels restrictive, dull, or even stressful.
Financial planning doesn’t have to mean living by a strict budget. You can take control of your money without obsessing over every detail by setting up simple systems that do the heavy lifting, so your money practically manages itself.
With house prices skyrocketing, it’s no wonder so many parents are wondering how their kids will ever afford a place of their own. These days, buying a home is more challenging than ever for young people. Saving for a deposit while paying high rent can feel like climbing a mountain in flip-flops.
However, there are some smart, tax-friendly ways you can step in and give them a real head start, making that first step onto the property ladder a lot less daunting.
Here are three of the most popular options in Ireland.
Caring for someone with a disability or managing your own care needs can be a full-time job in itself. Between appointments, daily routines, and making sure everyone’s needs are met, money can easily become one more stress you don’t need.
With the right financial plan, you can take a lot of that pressure off your shoulders. You’ll feel more in control, more confident about the future, and better able to focus on what really matters: quality of life for you and your loved ones.
This guide walks you through the supports, strategies, and steps you can take to make financial planning less overwhelming and more doable.
The word recession makes most of us uneasy. Whether it’s talk of job losses, rising inflation, or global conflicts, it’s completely normal to feel worried about your financial future. Even if Ireland isn’t officially in a recession right now, planning as if one could happen is one of the smartest things you can do. The economy can shift suddenly — or gradually — and either way, we all end up feeling the impact.
Take groceries, for example. Food prices in Ireland are now rising at three times the rate of inflation. That hits every household, recession or not.
So let’s talk about what you can do, not out of panic, but with a clear head and a solid plan.
If you’re about five years away, now’s a great time to start getting things in order, while you still have time to make a real difference.
You’re close enough to start visualising what life after work might look like, but still far enough away to make smart moves that can boost your income and help you retire with confidence.
Here’s a practical checklist of what to do five years before retirement in Ireland.
Let’s be real: trying to buy your first home in Ireland right now is tough. House prices are sky-high, inflation is chipping away at your savings, and the cost of living makes budgeting feel nearly impossible.
But here’s the thing: buying a home is still possible, even in this economy. It’s not easy, but with the right plan, a clear budget, and a bit of patience, you can absolutely get there.
If you’re at the beginning of your home-buying journey and wondering how you’ll ever afford it, this guide is for you.
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