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NY Resolution - Time to get my finances sorted

  • 31-12-2015 10:59am
    #1
    Riddler87
    Registered Users Posts: 30 ✭


    Hi guys,

    Looking for any (very much welcomed) advice on banking and saving.

    Heres my deets...

    Background: 28, full time and permanent worker - over 30k a year. Starting to get nervous about my savings for a mortgage. I'm currently with BOI but they have refused me credit cards and over drafts. I currently have a loan out with a credit union and i have not missed any repayments.

    Situation: As previously mentioned, this year is the year for saving for me. I would like to get myself into a better position financially. I have been currently shopping around and Permanent TSB seem to be the wisest choice to move to as I feel like I have been getting no where with BOI.

    Question: Has anyone advice on making a move to a different bank and or, beginning saving for a mortgage?

    Many thanks in advance and wishing everyone a happy NY!


Comments

  • #2
    Delta2113
    Registered Users, Registered Users 2 Posts: 2,760 ✭✭✭Delta2113


    http://compare.consumerhelp.ie/CurrentAccount

    If it's a current account with BOI you must move and yes PTSB is the one if you follow below:-

    Quarterly fee waived if the customer makes lodgement(s) amounting to at least €1,500 each month.

    People are giving BOI €20 a year even if no transactions take place -madness.


  • #3
    NIMAN
    Registered Users, Registered Users 2 Posts: 34,089 ✭✭✭✭NIMAN


    Theres a lot of information you don't mention, such as dependents, car owners, rent etc etc.

    Plus I assume at 28 you do socialise a bit and spend money that way?

    Saving money is a mindset and you may have to change yours if you are to be sucessful in your attempts to get a mortgage. Its also a decision you shouldn't enter into lightly, many many people are now living miserable lives due to gettting themselves heavily indebted with mortgages.

    But if you are serious about it, then you have to knuckle down and save hard. When I started saving for my mortgage deposit, I had to basically cut out most unnecessary spending for the guts of a year or more. No trips abroad, entire weekends on the lash, buying CDs/DVDs, too many clothes, etc etc. It was hard but its amazing how much money you can actually put away if you do it.

    Remember too if applying for a mortgage, your credit history will be scutinized in minute detail. They will check your bank account and statements to see if you can handle money, and are not spending it foolishly.


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