Credit cards are typically associated with higher interest rates starting from 18% and above, making them the most costly form of debt to manage. As such, individuals with savings should prioritise paying off their credit card balances in order to avoid accumulating excessive interest charges. Oftentimes, savings sitting in a deposit account yield minimal returns, making it more beneficial to allocate some of these funds towards reducing credit card debt.

By utilising a portion of your savings to pay down your credit card balance, you can potentially save a significant amount in interest charges over time.

If an individual is facing challenges in covering their personal short-term debt obligations, it could potentially be advantageous to consider consolidating the debt into a single loan. However, it is important to bear in mind that this strategy may result in extending the repayment term, leading to the likelihood of incurring higher interest charges in the long run.

There have been significant rate increases in recent years, however, the European Central Bank is beginning to reduce them. It will take several years for them to return to their previous levels. However, if you are transitioning from a fixed-rate mortgage, Enquire about our Switcher Mortgage offers here

it may be worth considering switching to a different lender. Some lenders are offering attractive fixed green rates based on your BER rating. Please contact us to learn more.

€180 million of unclaimed Mortgage Relief sitting in revenue's account. Less than one in eight homeowners have claimed up to €1250 each in interest relief payments.  Learn more

With more and more people being diagnosed with serious illnesses in Ireland, people must ensure that they are financially protected. 

There exist exceptional serious illness plans in the market that encompass a comprehensive array of serious illnesses. 

The younger you are, the cheaper the premiums will be so stop waiting and get a quotation today or contact us and discuss your options.  Click here for more information >

Most people consider their house to be their most valuable asset, but this is not the case. It is your income.  Your income allows you to afford your lifestyle and pay your bills, therefore why wouldn't you protect it by putting in place an

Income Protection Plan?  This affordable insurance plan enables you to safeguard up to 75% of your earned income if you are unable to work due to an accident or illness. 

The premiums are eligible for tax relief based on your marginal tax rate. Click here to view our Income Protection guide

The amount of people I speak to daily is not adequately funding their pensions.  Pension contributions are eligible for tax relief at your marginal rate of tax, which makes them a very cost-effective way to save for your retirement. 

I don't know why people put off paying into their pension, you work all your life, so the one thing you need to do is retire on a good pension and enjoy life without money worries. 

Regardless of how little you start with, you have already begun the journey to a successful retirement. Start your pension today.