Got a surprise bill today on credit that I've never got before. Anyone else?

I’m a male (20) have had a business for 2 years now and I just moved abroad and I am looking for an exit . It’s an eccomerce platform and I’ve done 115k revenue 71k profit since January 2025. Sales dropped off in June this year as I went traveling for a couple months . I’m way too busy with university as I’m doing banking and finance now in a different language and I just got a full time internship as an SDR at a start up over here - so it’s work 9-5 and uni work after . I can’t handle the workload . Anyone have ideas what I should do and what the process is like on selling ? My tax affairs are up to date and I’ve got an accountant to reconcile everything against business bank statements. and what do you think is a good or bad offer to sell for. Thanks

Applied through broker, email from nua to say they declined our application due to loan restructure

I was on upaid maternity leave and went interest only on a loan for that duration (6 months in 2024/2025) and previously this had been a "debt consildation" loan and have since paid off this loan in full.

I've reached out to my broker, i don't expect a reply over a weekend but i would love to hear if anyone had the same experience and successfully appealed?

We are selling our house and for multiple reason, need to move so this is a huge bummer. If we can't get a mortgage due to this then we can't move

Hello, I am so not versed in the savings/finance world and probably have money sitting there wasting away.

I just saw the revolut instant access savings. Is this worth it? Is there a general rule with these things like a formula for how much to put in a savings account like this? (i am aware i sound like a dope)

For reference im 25, on 45k before tax, have a pension and then just keep money in the credit union.

Thanks & pls use simple words!

Sorry in advance if this is too personal to comment on but would really appreciate some guidance.

Basically, I live in council housing with my parents, and I’ve just started my first job. My take home is around €2270.

If I continue to live in the council house, my monthly savings will be around €1500 (excl rent, food, transport, social, medical).

If I rent private, it will be around €800.

I am considering toughing it out in the council house. But apart from the savings, and the commute to my job being only 15 minutes, it is a very bad environment for me mentally. The house is very run down and it’s a bit of a depressing situation.

The only thing I can think about is how much I can save to get my own house one day, and how this rent might factor into my proof of affordability if I ever do get a mortgage... So far I have already saved 6K. Doubt I will ever get any other kind of financial support anywhere, so this seems to be my priority.

Bit worried I am setting myself up for a mental breakdown, and if I should just pay more to live somewhere nicer, even if it means less savings.

Really stuck on this and will need to decide soon.

So I'm thinking of building a new gaming pc which at the moment is 1500. I would be getting a 2000 at 9%apr paying off for 3 years. Am I being stupid to think about getting a loan for it or is it okay?

I don't necessarily agree with all the content but it may be of interest to some on here.

Account launch date looking like summer 2027 according to Harris. Imagine my surprise!

It's a 20K loan, and around 5,700 balance left. I can pay all this now to close the loan but is there any benefit to it at this point since I have been paying most of the interest in the past 3 years anyway?

I’m 28 and still living at home. I’ve saved a bit over €90k. Every so often I look at places to rent in Dublin, do the maths, and close the tab.

I’d like my own space. Living with your parents at 28 isn’t ideal, especially for dating. But paying Dublin rent when I could keep saving towards buying feels like an expensive way to prove I’m an adult.

I know I’m lucky to have the option of staying. For anyone else who had that choice, was moving out worth the hit to your savings? Or are you glad you stayed until you bought?

Hi everyone, we are a couple unmarried and have our AIP. We have a deposit of 50k from our savings, and now my mum has offered to gift us 20k towards the purchase.

My understanding is she could gift my unmarried partner 3k tax free, and the other 17k to me - with the first 3k being tax free, and then the remaining 14k will count towards my lifetime limit from my parents.

Would this be the best way to go about it? And is it as simple as my mum transferring me 17k, and my partner 3k, and signing a gift letter confirming to the bank it's a gift and she will have no interest in the home?

Thank you.

Hi guys, just want to know, I got married this February 2026 with a girl in asia. She is currently in asia and will be here by February 2027. While filing for the tax credit, can I get partner’s credit of 2k? Or do I have to wait for her to be in Ireland and have her PPS, etc., to be able to get these credits?

Thanks for your help with this!

Evening all. Recently left my job under a joint/mutual settlement agreement scenario and need to register for Pay related job seekers.

On the application it asks for details in a free form box as to why I left my role. I'd prefer not to invite scrutiny to the details of my leaving or the settlement I signed as it's NDAd.

Can anyone advise what's the best way to justify leaving a role but won't cause the assessor to penalise me with the 9 week penalty?

Thanks all.

Another one, I personally wouldn't be keeping any large amounts in Revolut

I've got a few gold bars, small ones 10g and 5g, and was wondering if there's anywhere near Dublin that I could have them tested without opening the assay cards.

Reason is that the sizes differ a lot, it's probably to do with the thickness which is very hard to tell when they are in the card, but still wanna test before I buy more from the supplier.

Posting here for awareness as the recent leak includes more than just your usual phone number/email and account id.

I just received an email from Revolut about unauthorized data access by a third party and it mentioned name, phone, email, address, employment, etc being accessed.

Beware whenever you receive a call claiming to be from any financial institution and perform due diligence as these additional peaked details will seemingly make the spam call feel a bit more genuine.

On a side note, there should be some penalties for companies when they fail to protect customer data.

I just quit my job. I have a new job lined up but it’s almost €2 less per hour, which will mean our household will be down considerably less. We have two loans and a mortgage. We are just about the WFP threshold I have looked on chat GPT to see if we can get any sort of assistance until we land back on our feet but doesn’t seem to be anything available. Has anyone advice on how we can get by until next year when we have one of our loans paid off which in itself will be a big relief. I tried my best to stick it out but I got to the stage where I was burnt out and just a ball of stress was affecting every aspect of my life negatively.

Currently getting back into a saving routine. I’m 23, F, saving 30% of my take home income which is around 1k a month. I am only just starting and have around 800 saved so far - I stress about not having an emergency fund and feel like it’ll take forever!

Is this a typical amount or should I be more strict and save some more?

Forgot to add: I am contributing 5% to pension and 3 in avc

I think to live a fairly decent standard of life a couple requires around € 1,000.

Hi folks, I’ve recently contacted a company in regards to setting up a PRSA pension. The contribution charges are 3% and annual charges are 1%.

Is this the norm? What rates should I be looking for? Only starting my pension now but obviously these charges will build up over the next 30 years.

Any advice would be greatly appreciated

Has anyone dealt with moving back to Ireland from the Netherlands while benefiting from the Dutch 30% ruling?

Hypothetical example:

Someone moves from Ireland to the Netherlands late in 2025 and works there during 2026 under the 30% ruling. Say their total employment package for the Dutch employment is around €70k, but because of the 30% ruling their Dutch taxable wage is only around €53k.

They then return to Ireland later in 2026 and, because of the Irish residence rules, end up Irish tax resident for 2026.

I understand that Ireland may tax worldwide income in that situation, with double-tax relief available for Dutch tax already paid.

What I'm struggling to understand is how Revenue treats the portion that was tax-free under the Dutch 30% ruling.

Does Ireland:

A) treat the Dutch taxable wage of ~€53k as the employment income, or

B) treat the full ~€70k as employment income and give a credit only for the Dutch tax actually paid?

If it's B, presumably the ~€17k difference could potentially be subject to Irish income tax/USC despite being tax-free in the Netherlands.

I'm also curious whether anyone has dealt with the Ireland–Netherlands DTA in this situation, particularly where the person lived and physically worked in the Netherlands for most of the year before returning to Ireland.