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#Personal Finance

# personal-finance - Tuesday 1 January, 2019

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.

# personal-finance - Friday 14 October, 2016

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.

# personal-finance - Wednesday 12 October, 2016

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.

# personal-finance - Tuesday 16 February, 2016

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.

# personal-finance - Friday 6 March, 2015

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.

# personal-finance - Friday 9 January, 2015

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.

# personal-finance - Thursday 8 January, 2015

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.

# personal-finance - Monday 14 July, 2014

Are you saving for your kids' college education?

New research says that just 55% of parents are.

# personal-finance - Monday 7 July, 2014

Investor confidence in Irish economy hits four-year high

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

# personal-finance - Friday 2 May, 2014

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

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

# personal-finance - Monday 24 March, 2014

Eight out of ten investors positive on Ireland's prospects

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

# personal-finance - Wednesday 12 March, 2014

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.

# personal-finance - Friday 7 March, 2014

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.

# personal-finance - Tuesday 18 February, 2014

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.

# personal-finance - Saturday 18 January, 2014

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.

# personal-finance - Wednesday 9 October, 2013

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.

# personal-finance - Friday 27 September, 2013

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.

# personal-finance - Monday 25 February, 2013

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.

# personal-finance - Tuesday 5 February, 2013

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.

# personal-finance - Thursday 17 January, 2013

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.

# personal-finance - Tuesday 15 January, 2013

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.

# personal-finance - Wednesday 19 December, 2012

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.

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.

# personal-finance - Monday 26 November, 2012

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.

# personal-finance - Tuesday 21 August, 2012

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.

# personal-finance - Tuesday 17 July, 2012

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.

# personal-finance - Monday 9 July, 2012

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.

# personal-finance - Thursday 17 May, 2012

Just 30 per cent of Irish people 'understand basic finance concepts'

We may no longer need to know “what a tracker mortgage is”, but how does our personal finance knowledge stack up overall?

# personal-finance - Tuesday 15 May, 2012

ESRI index showing increasingly polarised saving behaviour

More than half of people surveyed said they are saving less per month than they think they should be saving.

# personal-finance - Thursday 22 March, 2012

Call for stronger regulations on moneylenders

The Central Bank has been urged to strengthen regulations on moneylenders in the light of newly released figures that suggest increasing numbers of families are turning to them.

# personal-finance - Wednesday 8 February, 2012

Credit card debt down - but average card still over €1,300 in debt

Central Banker Joe McNeill says that overall credit card debt is down since 2008, though the per-card average really hasn’t changed.

# personal-finance - Monday 26 December, 2011

The 9 at 9: St Stephen's Day 9 At 9 This post contains videos

The 9 at 9: St Stephen's Day

Nine things to know this St Stephen’s Day morning…

Column: Nick Leeson's 4 lessons learned from 2011

Ireland and a euro break-up, the truth about tribunals, white collar crime and the dangers of ‘pay day’ loans – former trader Nick Leeson rings the closing bell on 2011.

# personal-finance - Sunday 11 December, 2011

Open thread: what are your best money-saving tips?

Now that we know what’s in Budget 2012, we want you to share your best cash-scrimping advice with TheJournal.ie’s readers…

# personal-finance - Monday 28 November, 2011

Join TheJournal.ie's #Budget 2012 virtual panel

We want to hear from a wide range of people across the country on how the Budget impacts them.

# personal-finance - Sunday 30 October, 2011

What's in store for the presidential losers?

Along with a new house, Michael D Higgins has won financial security for life. But what are the prospects for the other six candidates?

# personal-finance - Thursday 15 September, 2011

Poll: Would you consider emigrating? Your Say This post contains a poll

Poll: Would you consider emigrating?

Stark figures from the CSO finds that the number of Irish citizens emigrating is still rising sharply – is emigration an option you have considered in the last 12 months?

# personal-finance - Wednesday 7 September, 2011

Two-thirds of Irish adults find financial terms confusing

More women than men find financial terms confusing – but women are perceived to manage their personal finances better than their male counterparts, according to new research .

# personal-finance - Monday 18 July, 2011

Nearly half of all households paying bills late each month

Disposable income index shows that half of Irish people don’t feel able to save regularly – and increasing numbers of working adults are left without spare cash after essentials paid for.

# personal-finance - Friday 1 July, 2011

Poll: Fiver Friday - will you be taking part? Your Say This post contains a poll

Poll: Fiver Friday - will you be taking part?

Liveline is running a campaign to get people to spend five euro in a local business today – but is it an idea you can get on board with?

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