Listened to it last night and to be honest, i dont think he said anything really.

They talk about deemed disposal but dont take the conversation any further

New savings scheme will likely have tiers, tier 1, tier 2 etc but tier 1 is for now.

Ive recently received 10k. Ive 3 kids with disabilities. Dad has left for his home country so no support. What’s the best way to use this for my kids? Ive no personal savings as all my savings is split between the kids 3 credit unions. Would €3k each in the CU and a trip away be the best way to use this?

Hi sorry forgot to say. Ive no accommodation costs other than maintenance as it’s paid off. Ive a civil service job and income protection, however ive only 500ish quid in personal savings. My kids are unlikely to ever work (brain matter disorder and 2 with profound asd) so I put every penny into their accounts in case something happens to me.

I'm sure many on this sub know of this already, but for those who don't... These threads get updated regularly with the best places to park your short/medium term cash.

I am fortunate enough to have a fairly favourable rent situation, I pay 500 in cash a month, definitely below market rates for what I get (still house sharing though), and the landlord has very rarely increased the rent over the last several years.

However, as is the case for most, my lease isn't registered with the RTB, I never signed any lease, just moved in years ago and paid cash monthly on time like my other housemates. When I search my address, some nearby apartments appear on the register, I'm 99% sure these are owned by the same landlord, but my apartment does not appear and is not therefore registered.

Obviously the landlord is not paying tax on my apartment in this case. Historically I've avoided claiming the rental tax credit, since, although you don't need an RTB number to claim it, you do need to provide the eircode and address.

My fear is that if I claim this, which would be worth circa 3 grand or so to me at this stage, the landlord may get contacted by revenue, obviously the landlord will be told which address it is if this happens, and if this happens we would essentially be helpless against rent increases to compensate for their tax burden or just general hassle.

Anyone else in a similar boat? If so, did you claim the rent tax credit, or, like me, are you just planning to do 4 years worth of claims when you move out and won't have to care about the landlord anymore? Do revenue follow up on addresses inputted for rent tax credits?

Hi all,

I think this is the place to put this, if not, let me know and I'll post it else where.

My current electrical contract is due for renewal and I was checking the different comparison websites but they were using typical usage and didn't allow me to input my actual usage.

I have a smart meter installed (but not activated) and I extracted the data for it, from the 25th of July 2025 to 20th July 2026, so almost a year of data.
As there are different tariffs depending on when you consume the electricity, I was able to extract extract the number of kWh consumed, during the daytime, nighttime, peak daytime and then the weekend and weekend day, night and peak times.

The picture shows the results that I have worked out, for a number of different providers, and it shows that the cheapest provider for me to go with would actually be Electric Ireland and to change from the day/night tariff I am currently on to the 24hr standard tariff (which I know isn't possible as there is a smart meter installed) at an expected €533.34 for the year, the next cheapest would still be Electric Ireland at €558.09 with their day/night tariff (which I could change to) and then Electric Ireland at €560.95 with their Smart Meter day/night/peak tariff.

As far as I am aware, my smart meter is not "active" in the sense that it is not being treated as a smart meter on the grid, only as a day/night meter.

So currently, it would be cheaper to not get the Smart Meter activated and keep it being treated as a day/night meter.

It is interesting, that based on my current consumption, a standard 24hr meter would be cheaper than a day/night meter or a smart meter tariff. But even a standard day/night meter is cheaper than the smart meter.

I currently turn on the washing machine at night time and avoid using too much electricity between 5 and 7, so I doubt I could change those figures too much to make the night time usage increase or decrease my day/peak time usage.

If I re-do the calculations and assume 100% of the peak usage is changed to the day usage, values broadly stay the same, the Home Electric + SST Saver 20% from Electric Ireland remains in 3rd cheapest of €560.95 to €558.76 a whopping reduction of difference of €2.19.

It would be interesting to see what it would be like for a more "typical" usage. Considering the Smart Meters, which activated and avoiding the Peak Time tariff a saving is meant to be made.

Wasted many career opportunities over the years and now at 42 find myself going through divorce, rebuilding finances and trying to build career i want. I have 4+ years in Trust and safety and i want to use transferable skills to pivot into Financial crime. After long research i decided to purse Digital Risk, AML and Financial Crime prevention from IOB.

Hoping someone here could tell me if the course is useful before i spend money. Any info about AML career in Ireland would be much appreciated

My partner and I have a combined income of around €170k and about €75k saved for a house deposit.
We’re hoping to buy a house and get married. Ideally we would do both within the next 12-18 months but I’m not sure if that is feasible. Ideally we’d like to take out a wedding loan (around €10k–€20k) as well as apply for a mortgage.
Has anyone in been in a similar situation?
Is it realistic to get both approved within a few months?
How much does a personal loan typically reduce the amount a bank is willing to lend for a mortgage?

I’d really appreciate hearing from anyone who’s gone through this recently or works in mortgages and can best advise on what to do. My preference would be to sort the house first but if we could feasibly do both with a small gap then that would be great

Hi all,

So in my job we have a private pension scheme through Mercer - Employees contribute a set amount weekly and our employer then contributes a separate sum on top.

A few people in work said that the value that is contributed by the employee qualifies for tax relief, so they basically went year by year and took a screenshot/receipt of their own contribution and supplied it to revenue and received refunds and they are telling me to do the same.

But is this actually the correct advice, a quick Google search seems to say if the contribution you make shows on your weekly payslips, tax relief has already been applied - in my case every weekly contribution ~€18 shows on the deduction side of my payslip.

I'm a bit confused here but don't want to be claiming for something I shouldn't be

Any help is much appreciated

Hey guys, please those who use trading 212 for saving, I know that 3.5% interest is not subjected to tax and you have to file it yourself

When is the best time to file this tax and how do I go about it?

Long story short, I've started to play around with some savings, I'm in no rush, have no real goal with the savings, just purely for personal experience with the markets, which Index packages would yous typically go for? The yearly dividends or the Accumulative factor for the long-term growth?

Hi,

I am 40 years old and I contribute to my occupational pension 10% + 3% employer contribution.

My plan is to max out the contributions, 25% total. However, I'd wish to quit the job at 50, take the sum lump, setup an ARF and move abroad (Romania).

My question is, I'd be entitled to the tax credits when I start withdrawing annually if my only income worldwide would be only the ARF withdrawals? If so, how I would declare that (the only income I have is the ARF withdrawals)?

Thank you!

I am about to get an offer for a new job with a significant pay rise compared to my current salary.

However the whole tech business is in shambles, and going on a probation period would not only delay the process but also risk being jobless in case I don't pass probation or they cut me in a round of layoffs.

Would you sort first the mortgage and then move jobs, risking losing a pay rise and a larger mortgage?

Has anybody had any dealing with getting a AON pension refund and the likely time frame, left a job with under 2 years pension contributions. New job doesn’t offer a pension for 12 months and looking to invest the refund and claim back tax relief for adding AVC’s to the new pension once I can join
Thanks in advance

Saw lovely new builds near me. It says on the website to regsiter interest but Im not sure what they even means, is there a point in doing it. Im 3 months in to having consistent savings so I know I have to wait till atleast 6 months before going to the bank. Would I be jumping the gun if I registered interest now?

Have been offered severance of about half a years salary after working there for over 4 years without any salary increase in any of those years (and turned down a higher paid job at the time). Struggling to get another job right now as do think my career went backwards in this role, is this package good or should I be trying for more?

The first line on the CG1 form "If you complete and submit this return on or before 31 August 2026 Revenue will calculate the self-assessment for you". But I've already paid my capital gains tax on stocks sold for last year, so what does this mean for me if I file this form now?

Currently have 4 accounts:

EBS - for salary/spendings

BOI - Savings (3% super saver) / Current account

Revolut - Sending money easily / Stocks

I am looking to really streamline and have my finances all in the one place. Is Revolut safe for having all of these in one. Can I move from BOI savings to Revolut savings. And is it ok to get paid salary into Revolut.

Update: Going to move all money and salary to Revolut, besides a small chunk which i'l keep in EBS as a safety net. Thanks for all the advice guys!

My Davy EFT account finished a few months ago. I've got 65k to invest. Should I invest in medium to high risk/yield somewhere? Any ideas? I've already got a small amount in Irish Life. Where would be the best to reinvest?

So, im 25 and ive never focused on savings, or at least not in making the most of them. Ive saved a large amount but I dont know what to do with it. Im going to open a personal pension and make sure its maxed out for the year, but im not sure what to do with the rest. I want to keep a vast majority of it as a potential future house deposit. But I also dont want that to just lose value by sitting. I'll probably keep like 10k as an emergency fund, in a high yield savings account, and then 30k to keep for a deposit, but i just dont know where i should put that?

Sharing this because I think the data is useful for anyone dealing with Flogas billing issues, and the

CRU process has some structural quirks worth knowing about before you start.

I spent months dealing with a disputed exit fee from Flogas, went through the full CRU complaints

process, and got a determination in July 2026. Here's what I learned.

The CRU found Flogas contractually entitled to charge the fee but formally recorded three failings

against them: a landlord-consent failure, poor account and complaint management, and a "technical

uphold for regulatory reporting purposes" for delays and poor engagement with the CRU's own

investigation. No compensation was awarded because Flogas had already written the fee off —

which under CRU's own framework means the supplier's commercial decision absorbs every

documented breach without financial consequence.

The part that may be relevant to others

CRU's own 2025 Annual Report (published June 2026, ref CRU/202698) shows something striking:

Flogas complaint volume rose 227% in 2025 while every other major supplier fell sharply. Electric

Ireland was down 40%, Bord Gáis down 23%, SSE down 28%. Flogas had the highest complaint

rate per 10,000 customers of any Irish energy supplier. 42% of the increase hit Q4 2025.

October 2025 is when Flogas completed a full vendor-switch of its billing system — from a

decade-old bespoke Irish platform (Version 1's UMP) to an entirely new international one (Itineris

UMAX). Not an upgrade — a complete platform and vendor change. The complaint spike in the

quarter it went live is in CRU's own published data.

If you've had a billing error, a missed direct debit, or an unexpected charge from Flogas in late 2025

or into 2026, this context may explain why. It's not necessarily isolated to you.

The CRU process —

The CRU offers a free dispute resolution service but it has a structural limitation: if your supplier

writes off the disputed amount before the determination, CRU treats that as exceeding what it would

have ordered, and no further compensation is awarded. The documented failings effectively get

absorbed by the supplier's own commercial decision.

CRU's determination is binding on the supplier but not on you — you can still pursue data protection

issues with the DPC (which I have, ref DPC0526889105) and take independent legal advice

regardless of the outcome.

The most useful practical tip: get everything in writing early, and file a Subject Access Request as

soon as the dispute starts. Internal CRM records are where the most useful information tends to live.

CRU ref: CRU-54457-M2M7 if anyone wants to verify any of this is real.

We have a little one that’s about a year out from starting primary and are starting to think about how much we should be saving for their future. Things like third level tuition, a future down payment, maybe their first vehicle.

How much do you save for your kids? How do you know if it is too much or not enough?

Just had a call from a lad there from this company. Seems to good to be true. AI trading, 10%-20% per month returns. He was very charismatic and trying to push me to sign up there and then, alarm bells started really firing then. Surely this is too good to be true, has to be a scam?