Better With Money

• The ultimate tax break you need to take advantage of

  Alright fine, we'll admit it. This episode is about pensions. But we're unpacking them in a way that won't melt your brain, we promise. Whether you've started late or haven't even taken one out yet, deputy business editor Dominic Coyle explains:How to start from scratch, or level up a basic pension planUnderstanding jargonHow employer contributions can help double your pension potHow to maximise the state's contributionWays you can offset the disadvantage of starting laterHow the gender pay gap affects women's pensionsSneaky charges you need to watch out forDon't think of it as a pension. Think of it as a bucket list fund for your 'second act'.Presented by Aideen Finnegan. Produced by Declan Conlon and Aideen Finnegan.Dominic answers your personal finance questions every week in The Irish Times. You can send your queries to [email protected] For more jargon-free and impartial pension tips, go to the Competition and Consumer Protection Commission (CCPC) Hosted on Acast. See acast.com/privacy for more information.

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• How to make a 'side hustle' work for you

  What’s traditionally been known as the ‘nixer’ in Ireland, is recognised more widely on social media as the side hustle.Most people’s understanding of the term is additional income that supplements a person’s PAYE earnings.As with many other trends, Instagram and Tiktok’s algorithms churn out an Americanised version of the phenomenon where grind culture is revered and stories of multi-million dollar businesses - born on smartphones while loading the laundry - are legion.But as with other viral social media movements, the reality is often very different and has its own nuances specific to an Irish context.At a time when many people are living pay cheque to pay cheque the allure of additional income - gilded with the Paris filter - is obvious.So what side jobs are available to those of us already working 40-plus hours a week?How do assess what work would work for you? Will be worth the extra effort?Deirdre O’Keeffe from burdy.ie is a Kildare-based book keeper and mentor who coaches clients through the process of choosing a side hustle, figuring out how to make it work and crucially, understanding their tax liability.In this episode of Better With Money she explains the process she goes through with them, how to spot scams and how side hustles can be valuable exercises in testing out a business idea.Presented by Aideen Finnegan. Produced by Declan Conlon and Aideen Finnegan. Hosted on Acast. See acast.com/privacy for more information.

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• I cleared six figures worth of debt in Ireland. These are the low-risk ways to invest that helped

  If you've always thought investing is only for high-earning, suit-wearing, happy-hour cocktail swigging finance bros, Kel Galavan - aka MrsSmartMoneyHQ - is here to tell you why you're wrong. The Qualified Financial Advisor was in six figure debt after the 2008 financial crash, but has since turned her financial life around and now coaches others who are new to the investing game. In this episode she explains why saving is not enough and how the way to secure your financial future is with a long-term, lower-risk strategy. If you don't know your stocks from your shares or your IPO from your EFTs, this episode is for you.Presented by Aideen Finnegan. Produced by Declan Conlon and Aideen Finnegan. Hosted on Acast. See acast.com/privacy for more information.

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• Buying a home? Insider tips to help you with each step, from loan approval to closing a deal

  Are you in the fortunate position of being able to save for a home or you're hoping to buy in the next few years? Purchasing a property in Ireland, especially when you are new to the process, can be daunting task at the best of times. But with the current housing crisis it’s tougher than ever and that’s before you even get to the stage of dealing with auctioneers, banks, quantity surveyors and solicitors. Miriam Finn is a buyers’ agent. A former estate agent, where she only represented the vendor, Finn switched sides and now takes buyers under her wing helping them through the marathon process. In this episode she sets out the timelines involved, explains how to put your best foot forward as a potential mortgage candidate; and shares her insider knowledge as an estate agent with bidding strategies, picking the best solicitor and asking the right questions of sellers.Presented by Aideen Finnegan. Produced by Declan Conlon and Aideen Finnegan.Resources mentioned in this episode:Help to Buy schemeFirst Home schemeMore information on various state help and grantsCCPC mortgage money toolPrice comparison web sites like Bonkers and Switcher analyse the best value mortgage loans on the marketCheck if a prospective property is on a flood plain Hosted on Acast. See acast.com/privacy for more information.

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• How to finally get on top of debt

  In the aftermath of the financial crash, Ann-Marie Gaynor was getting over a marital breakdown, lone parenting three children under 7 and in five-figure debt. A self-described Celtic Tiger baby, Gaynor says she only ever saw her credit card limit as a target and would apply for a new card once she'd maxed out another. In this episode she shares how she turned her life around; kicking the debt, clearing her mortgage and now encouraging her social media followers to regain control of their finances too. The Longford woman who goes by the name @IrishBudgetingMammy is sure others can tackle their debt even now during this cost of living crisis.Presented by Aideen Finnegan. Produced by Declan Conlon and Aideen Finnegan.Resources mentioned in this episode:Money Advice and Budgeting Service Other links you may find helpful:The Insolvency Service of Ireland’s Back On Track web siteCompetition and Consumer Protection CommissionIf debt is causing serious mental distress, reach out and speak to an organisation like Samaritans Hosted on Acast. See acast.com/privacy for more information.

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