Planning for Christmas Costs: What Should Irish Households Consider?
Every year I tell myself the same thing. This December will be different. Organised. Sensible. And every year, somewhere around the 20th, I find myself in a queue holding a candle set for a cousin I forgot existed. Sound familiar? Irish households spend serious money on Christmas. A thousand euro is common. Fifteen hundred for […]
Read MoreHow does debt-to-income ratio affect loan approval chances?
Yes, the debt-to-income ratio has a direct effect on the chances of loan approval. In fact, it is one of the most important factors lenders check during an affordability assessment. Therefore, if you have any doubt about whether it has any effect on your approval chances, the answer is YES. You need to work on […]
Read MoreWant to invest £50 a month in the UK? Here is the step-by-step guide!
You do not have to be well-versed in finance to initiate an investment portfolio. Real estate, which requires thousands of dollars, is not the only method to invest money. You can start investing money with as little as £10. You might find it surprising, but this is not a lie, nor is it impossible for […]
Read MoreHow to get an urgent loan despite having bad credit issue?
Every responsible lender is obligated to run an affordability check, which involves a credit score perusal. A decent credit report is vitally important to obtain a loan at affordable interest rates, as it is an acknowledgement of your past payment behaviour. A subprime credit rating indicates that you struggled to keep up with payments in […]
Read MoreSmart Ways to Handle Sudden Home Costs in Ireland
The boiler always knows. I am convinced of it. It waits until the coldest week of the year, then makes a clunk you have never heard before and goes quiet. Or the washing machine dies mid-cycle on a Sunday with the school uniforms still inside. I have spent years helping Irish families sort out home […]
Read MoreWhy Should Borrowers Look Beyond the Advertised Interest Rate?
The advertised rate is not something on which you should base your borrowing decision. From its name, you can infer a lot. It’s an advertised rate. That means it has been used for advertising. From this, it is clear that when you finally take a loan, you are offered a realistic rate. This can be […]
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