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#Personal Finance

From TheJournal.ie How I Spend My Money: A 28-year-old engineer on €40,000 trying to save money while renting in Dublin Money Diary

How I Spend My Money: A 28-year-old engineer on €40,000 trying to save money while renting in Dublin

The young engineer is trying to balance saving while enjoying an active social life

From TheJournal.ie How I Spend My Money: A Kerry woman in Toronto saving €700 a month to build her dream Irish home Money Diary

How I Spend My Money: A Kerry woman in Toronto saving €700 a month to build her dream Irish home

The TV programmer is hoping to return to Ireland and build a home on her family’s land

From TheJournal.ie How I Spend My Money: A student on €12,000 trying to balance work and college life Money Diary

How I Spend My Money: A student on €12,000 trying to balance work and college life

His parents are helping him pay for his rent and monthly expenses.

From TheJournal.ie How I Spend My Money: Does your spending reflect the cost of living outside Ireland's cities? Money Diaries

How I Spend My Money: Does your spending reflect the cost of living outside Ireland's cities?

We want to hear from you about the expenses or otherwise of living in urban or rural areas outside of Dublin.

From TheJournal.ie How I Spend My Money: Engineer in Perth on €75,000 wonders if it's cheaper to live in Ireland Money Diary

How I Spend My Money: Engineer in Perth on €75,000 wonders if it's cheaper to live in Ireland

The Dublin-born engineer is preparing for the arrival of twins.

From TheJournal.ie How I Spend My Money: Sales manager on €67,000 in Kildare saving for unpaid maternity leave Money Diary

How I Spend My Money: Sales manager on €67,000 in Kildare saving for unpaid maternity leave

The mother-of-one is trying to save in order to take extra unpaid maternity leave in January

From TheJournal.ie How I Spend My Money: A 31-year-old doctor on €68,000 working long hours to pay off Dublin mortgage Money Diary

How I Spend My Money: A 31-year-old doctor on €68,000 working long hours to pay off Dublin mortgage

The young doctor recently bought a house in Dublin

From TheJournal.ie How I Spend My Money: A tech consultant on €40k trying to save in order to emigrate Money Diary

How I Spend My Money: A tech consultant on €40k trying to save in order to emigrate

The young professional is trying to balance his social life and savings.

From TheJournal.ie How I Spend My Money: A mum on maternity leave weighing up a permanent move from Dublin Money Diary

How I Spend My Money: A mum on maternity leave weighing up a permanent move from Dublin

She is earning €72,000 in Dublin but wants a more family-orientated life.

From TheJournal.ie How I Spend My Money: A student on €9,840 aims to cut down on food spending at college Money Diary

How I Spend My Money: A student on €9,840 aims to cut down on food spending at college

A grant and a college scholarship help with her monthly expenses

From TheJournal.ie How I Spend My Money: A property surveyor on €45,000 who regularly dips into his savings Money Diary

How I Spend My Money: A property surveyor on €45,000 who regularly dips into his savings

He wonders if he’ll ever be able to contribute to a pension or health insurance.

From TheJournal.ie How I Spend My Money: Construction manager on €38,000 spending less since birth of first child Money Diary

How I Spend My Money: Construction manager on €38,000 spending less since birth of first child

He used to spend more money on trips and recreational activities.

From TheJournal.ie How I Spend My Money: A public policy worker on €91,000 who saves €1,000 a month Money Diary

How I Spend My Money: A public policy worker on €91,000 who saves €1,000 a month

She is saving in order to buy household items after recently purchasing a home in Dublin.

From TheJournal.ie New rules making it easier to switch your mortgage kick in from today Save Money

New rules making it easier to switch your mortgage kick in from today

Lenders will now have to tell customers 60 days before their fixed term ends and let them know about new rates and other options.

From TheJournal.ie Know your ARFs from your PRSAs? Our guide to when to start a pension The Long Game

Know your ARFs from your PRSAs? Our guide to when to start a pension

And what the hell is a PIP? An ARF? We got some experts to answer your questions.

From TheJournal.ie Saving money in your 20s and 30s? It CAN be done - and here's how Mo Money Mo Savings

Saving money in your 20s and 30s? It CAN be done - and here's how

We talked to successful savers for their tips on squirrelling it away.

Taking on the banks and winning - all in a day's work for this Irish businessman

Liam Murphy had his loan application rejected – but he didn’t allow that to deter him.

From TheJournal.ie Can this new plan halt Ireland's looming pension crisis? Opinion

Can this new plan halt Ireland's looming pension crisis?

Our ageing population will mean that the current State pension will become unsustainable, leaving an uncertain future for many of us.

From TheJournal.ie Consumer group warns as woman pays €1600 in Spain for €300 tablet Ripped Off

Consumer group warns as woman pays €1600 in Spain for €300 tablet

Such incidents are becoming more and more common according to European Consumer Centre.

From TheJournal.ie Irish consumers had their best Christmas for seven years Hey Big Spender

Irish consumers had their best Christmas for seven years

New figures today also show an increase of 6.4% in retail sales over the course of the year.

From TheJournal.ie Are you saving for your kids' college education? Scrimp And Save

Are you saving for your kids' college education?

New research says that just 55% of parents are.

From TheJournal.ie Investor confidence in Irish economy hits four-year high Confidence Boost

Investor confidence in Irish economy hits four-year high

Over 80% of investors are positive on Ireland’s prospects, up from 10% in 2010.

From TheJournal.ie Here's how much has been approved for mortgages this year Building Momentum

Here's how much has been approved for mortgages this year

The figures are in, and they show a big bump.

From TheJournal.ie Eight out of ten investors positive on Ireland's prospects Upturn

Eight out of ten investors positive on Ireland's prospects

Driven on by better economic news, investors have a bigger appetite for risk.

From TheJournal.ie Column: There are fewer bankruptcies than expected so far this year. Why? Debt Woes

Column: There are fewer bankruptcies than expected so far this year. Why?

A stand-off between debtors and creditors has led to a slow down in formal insolvency arrangements, write Anthony Joyce and Karl Deeter.

From TheJournal.ie Column: Irish financial consumers are bewildered, frightened and angry Credit Protection

Column: Irish financial consumers are bewildered, frightened and angry

The protection available to consumers when they take out credit is still inadequate – despite all the promises that were made after the crash, writes Noeline Blackwell.

From TheJournal.ie Column: What is a frugal food budget to you? Food For Thought

Column: What is a frugal food budget to you?

Do you plan every cent you spend or throw caution to the wind? Caítríona Redmond looks at the intricacies of living on a budget.

From TheJournal.ie Column: 8 Financial Rules of Thumb Opinion

Column: 8 Financial Rules of Thumb

No two people are the same, so what’s right for one person may not be for you. However, there are some financial rules of thumb that can help to steer you in the right direction, writes Liam Croke.

From TheJournal.ie Column: Having a home is a basic need that's slipping beyond people's reach Opinion

Column: Having a home is a basic need that's slipping beyond people's reach

A fresh and compassionate approach is needed for Budget 2014 to help thousands of families who are in danger of losing their homes, writes SR Stanislaus Kennedy.

From TheJournal.ie Column: Financial stress is costing us dearly – it's time for proper education in money matters Opinion

Column: Financial stress is costing us dearly – it's time for proper education in money matters

Did you know that financial stress is costing Irish business over €2.1 billion? Financial advisor Liam Croke discusses the changing face of personal finance – and personal debt – over the past 24 years.

From TheJournal.ie Survey: Just 58% of teenagers expect to find work in Ireland after college Survey

Survey: Just 58% of teenagers expect to find work in Ireland after college

The Teens & Money survey by the Irish League of Credit Unions shows that 80 per cent of teenagers worry about the costs associated with third level education.

From TheJournal.ie Irish people still love using cheques, says Central Bank Just Can't Let Go

Irish people still love using cheques, says Central Bank

More than 84 million cheques were used in Ireland in one year, despite the shift away from cheque books.

From TheJournal.ie 61% of people have under €100 left a month after essential bills - Credit Unions Bills

61% of people have under €100 left a month after essential bills - Credit Unions

the final 2012 ‘What’s Left’ tracker series conducted by the Irish league of Credit Unions shows 61% of people have €100 or less left at the end of the month once essential bills are paid.

From TheJournal.ie Irish consumers' Visa card expenditure rises to record €15.5bn Cards

Irish consumers' Visa card expenditure rises to record €15.5bn

According to Visa, €1 in every €7 of consumer spending in Ireland is now on a Visa debit, credit or prepaid card.

From TheJournal.ie Kenny 'doesn't like' Bank of Ireland rate hike - but can't stop it Leaders' Questions

Kenny 'doesn't like' Bank of Ireland rate hike - but can't stop it

Enda Kenny regrets Bank of Ireland’s decision on credit card rates, but says the issue is one for the Financial Regulator.

From TheJournal.ie Bank of Ireland increases credit card interest by up to 4 per cent Personal Finance

Bank of Ireland increases credit card interest by up to 4 per cent

The rate increases, which had been advertised in October, kicked in yesterday – only a week before Christmas.

From TheJournal.ie Join TheJournal.ie’s #Budget 2013 virtual panel Budget 2013

Join TheJournal.ie’s #Budget 2013 virtual panel

We want to hear from a wide range of people across the country to find out their thoughts both ahead of Budget Day and on the day itself.

From TheJournal.ie Students advised to compare bank accounts before signing up Student Finance

Students advised to compare bank accounts before signing up

National Consumer Agency says it’s important that students check all penalty charges before choosing their account.

From TheJournal.ie Government will oppose SF bill to limit moneylenders' interest rates Personal Finance

Government will oppose SF bill to limit moneylenders' interest rates

Sinn Féin’s legislation would mean licensed moneylenders would not be allowed to charge interest higher than 40% APR.

From TheJournal.ie Column: Reasons for making childcare tax-deductible are solid... Opinion

Column: Reasons for making childcare tax-deductible are solid...

…So why is the Department of Finance dragging its heels on figuring out that this policy would be cash-positive for the State, asks independent TD Stephen Donnelly.

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