Read on to see why we made the decision to go down to one part time income with Mr. MH quitting his job to be a stay at home Dad and how it impacts our path to Financial Independence. You may (or may not) have noticed a lack of blog posts. I certainly have felt … Read more
I know I am overdue a post. Things have been a tad crazy on the home front but should be calming down now in the next week or so and I hope to get back to posting more regularly. In the meantime, I was on the Superb Diamond Range podcast today talking all things financial … Read more
As you may have read, we took a mini-retirement where both my husband and myself would be off from Jan 1 – Mar 20 and without pay until the end of April. We spent 7 weeks in Portugal, to see if the cost of living there would be as cheap as we had read based … Read more
In this post I answer the question, is it better to invest in small amounts regularly or in larger lump sums to reduce transaction charges. I’ve been asked this question a few times and decided to analyse a number of scenarios to sense check my answer. Scenario 1: Invest 200€/month in average growth year Invest … Read more
See how a variable rate mortgage wins over fixed in almost every way.
How to work towards financial independence with a partner who spends more and/or earns less than you.
This post will compare a 20-year investment into stocks and ETFs in Ireland. I will show how ETFs really compare to stocks. On a high level, even though you pay more tax with an ETF, your real rate of return isn’t much lower than stocks as stocks have higher purchase costs. This results in a … Read more
This post will go through my take on how the pandemic market volatility and uncertainty has changed my investment strategy and financial freedom plan. Firstly, before I get into a financial post, I want to acknowledge that people are losing their lives. Front line workers are exposing themselves every day to help fight this pandemic. … Read more
The lockdown has me thinking more and more about our journey to reduce waste and attempt to find reusable, non-toxic solutions for almost everything in our home. This approach has served us well in the lockdown and we are grateful we are not running out or needing to stock up on various items. Some of … Read more
There are a few options when looking to set up a company in Ireland. This post looks at the pros and cons, tax optimisations, costs and administration efforts of each. I’m open to correction on any of the below but this is what I have found so far. Options These are the options I will … Read more