Money Doctors

Money Doctors Covering the A to Z of personal finance the Money Doctors provide professional, reliable advice that you can trust.

From mortgages and debt management to pensions, investments, and everything in between, Money Doctors are here to help!

🧓 Approaching Retirement? Have You Calculated Your Future Income Yet?Many people spend decades contributing to pensions ...
13/08/2026

🧓 Approaching Retirement? Have You Calculated Your Future Income Yet?

Many people spend decades contributing to pensions but never actually calculate what income those pensions are likely to provide in retirement.

Your retirement planning should focus on one key question:

"How much income will I have when I stop working?"
Important considerations include:
✔️ Occupational pensions
✔️ Personal pensions
✔️ Additional Voluntary Contributions
✔️ State Pension entitlements
✔️ Savings and investments
✔️ Existing debts

We regularly meet people who know the value of their pension fund but have no idea what level of retirement income it may generate.

Understanding your future income allows you to:
✅ Identify potential shortfalls
✅ Adjust contributions if necessary
✅ Make informed retirement decisions
✅ Plan with greater confidence

📊 Retirement planning isn't about guessing. It's about understanding the numbers and taking action while you still have time.

📅 Book a meeting today: https://hubs.ly/Q04sQ8Tq0
📞 01 278 5555

💶 Tax Relief on Tuition Fees: Are You Claiming Everything You're Entitled To?Investing in education can be one of the be...
13/08/2026

💶 Tax Relief on Tuition Fees: Are You Claiming Everything You're Entitled To?

Investing in education can be one of the best investments you'll ever make. Whether you're paying for your own qualifications or supporting a family member through further education, it's important to understand what tax reliefs may be available.

Many taxpayers are unaware that qualifying tuition fees for approved third-level courses may qualify for tax relief, subject to Revenue rules and conditions.

Before assuming you don't qualify, consider:
✔️ Was the course provided by an approved institution?
✔️ Does the course meet Revenue requirements?
✔️ Have you retained the necessary documentation?
✔️ Have you reviewed previous years?

We regularly meet individuals who have paid significant education costs but never investigated whether tax relief was available.

Common mistakes include:
❌ Assuming fees automatically qualify
❌ Failing to keep receipts and records
❌ Missing the opportunity to claim relief
❌ Not reviewing previous tax years

📊 Education is an investment in your future. Ensuring you're receiving any available reliefs can help reduce the overall cost.

If you've paid substantial tuition fees in recent years, it may be worth reviewing your tax position.

📅 Book a meeting today: https://hubs.ly/Q04sRGGF0
📞 01 278 5555

📈 Inflation: Is Your Savings Losing Purchasing Power?Seeing money sitting safely in a savings account can feel reassurin...
12/08/2026

📈 Inflation: Is Your Savings Losing Purchasing Power?

Seeing money sitting safely in a savings account can feel reassuring - but inflation can reduce what that money can actually buy over time.

If your savings earn a return below inflation, the real purchasing power of your money may decline.

This doesn't mean everyone should immediately invest their savings.

Instead, consider separating your money according to its purpose:
💶 Emergency savings – accessible when you need it
🏠 Short-term goals – money needed in the near future
📈 Long-term wealth – potentially suitable for investment depending on your circumstances

We often see people hold large amounts of long-term money in cash simply because investing feels intimidating.

On the other hand, investing money that you may need shortly can expose you to unnecessary market risk.

📊 The right balance between cash and investments depends on your timeframe, goals and tolerance for risk.

Your money should have a purpose - and your financial strategy should reflect that purpose.

📅 Book a meeting: https://hubs.ly/Q04sB52G0
📞 01 278 5555

🤝 Back to School Costs: Are You Budgeting for Them?The return to school can create a significant financial pressure for ...
12/08/2026

🤝 Back to School Costs: Are You Budgeting for Them?

The return to school can create a significant financial pressure for families, particularly when several children are involved.

Costs can include:
🎒 Uniforms
📚 Books and supplies
👟 Shoes
💻 Technology
🚌 Transport
⚽ Activities and sports

While some State supports may be available to qualifying families, planning ahead remains important.

Rather than facing a large expense in one month, consider creating a dedicated annual education budget.

For example, putting aside a small amount each month can make school-related costs much easier to manage when they arrive.

It's also worth reviewing whether you qualify for relevant supports and allowances based on your household circumstances.

📊 Good family financial planning isn't about restricting everything -it is about anticipating predictable costs before they become financial emergencies.

📅 Book a meeting today: https://hubs.ly/Q04sBPr20
📞 01 278 5555

🚗 Car Finance: Are You Looking at the Total Cost or Just the Monthly Payment?When buying a car, it's easy to focus on on...
11/08/2026

🚗 Car Finance: Are You Looking at the Total Cost or Just the Monthly Payment?

When buying a car, it's easy to focus on one number:

"How much will I pay each month?"

But the monthly repayment doesn't tell you the full cost of borrowing.

Before choosing car finance, consider:
✔️ Deposit required
✔️ Interest rate
✔️ Length of agreement
✔️ Total amount repayable
✔️ Final payment or balloon payment where applicable
✔️ Your ability to afford the repayments

A longer agreement can reduce the monthly payment while increasing the overall amount paid.

We regularly see consumers choose finance based on affordability today without considering the total cost over the life of the agreement.

📊 Comparing the full cost of different finance options can help you make a more informed decision.

Before taking on new borrowing, consider how it fits alongside your mortgage, savings and other commitments.

📅 Book a meeting today: https://hubs.ly/Q04sBhs40
📞 01 278 5555

👶 Having a Baby? Your Finances Are About to ChangeHaving a baby is one of life's biggest milestones - and one of the big...
11/08/2026

👶 Having a Baby? Your Finances Are About to Change

Having a baby is one of life's biggest milestones - and one of the biggest changes to a household budget.

Alongside the excitement, it's worth reviewing your financial plan.

Consider:
✔️ Maternity and parental leave income
✔️ Childcare costs
✔️ Life insurance
✔️ Income protection
✔️ Pension contributions
✔️ Emergency savings
✔️ Your Will and guardianship arrangements

Many new parents focus on the immediate costs of nappies, clothes and childcare but overlook the longer-term financial implications.

Your household income may temporarily change while your expenses increase.

This is exactly when having a clear financial plan can make a difference.

📊 A new child is also an important time to review beneficiaries on pensions and protection policies and make sure your estate planning reflects your new family circumstances.

You don't need to have everything figured out - but understanding your numbers can provide much greater financial confidence.

📅 Book a meeting today: https://hubs.ly/Q04sz-tR0
📞 01 278 5555

Secure Your Legacy with our DIY Will Package! 💼🖋️Don't let the complexity of traditional Will processes deter you from s...
10/08/2026

Secure Your Legacy with our DIY Will Package! 💼🖋️

Don't let the complexity of traditional Will processes deter you from securing your legacy. Money Doctors introduces a user-friendly DIY Will package for just €50 (ex vat) Easily draft your Will, list assets, and set up an Enduring Power of Attorney - all from the comfort of your home.

Discover the simplicity of Probate and save thousands in legal fees.

Order your package at https://hubs.ly/Q04slQZh0 today! 🏡💙

🔍 Seeking Expert Financial Guidance? Look No Further! 💼💰Are you feeling overwhelmed with financial decisions? Wondering ...
10/08/2026

🔍 Seeking Expert Financial Guidance? Look No Further! 💼💰

Are you feeling overwhelmed with financial decisions? Wondering where to start or how to optimize your financial health? Look no further!

Money Doctors offer personalised one-to-one Zoom financial consultations tailored to your needs.

✔️ Whether you're a first-time buyer, considering a mortgage switch, or planning for retirement, our team of financial experts is here to guide you every step of the way.

💡 Our consultations start at just €65 for 20 minutes, providing you with quick, easy, and expert advice. Plus, if you're considering financial products like pensions, investments, or insurance, there's NO CHARGE for execution-only requests.

📈 Take control of your financial future today! Book your consultation now and receive a complimentary Money Doctors 2026 guidebook after your first meeting. Don't miss out on securing your financial success! 💼💶

Call us on 01 278 5555 or visit https://hubs.ly/Q04slLFl0

🏘️ Selling Your Investment Property? Don't Ignore the Tax PlanningSelling an investment property can create a significan...
09/08/2026

🏘️ Selling Your Investment Property? Don't Ignore the Tax Planning

Selling an investment property can create a significant financial gain - but it can also create a Capital Gains Tax liability.
Before selling, it's important to understand the potential tax position and keep appropriate records relating to the property.

Factors that may be relevant include:
✔️ Original acquisition cost
✔️ Qualifying acquisition and disposal expenses
✔️ Improvement expenditure where applicable
✔️ Ownership history
✔️ Previous property use
✔️ Capital losses that may be available to offset gains

One of the biggest mistakes we see is deciding to sell first and only considering the tax implications afterwards.

📊 Planning before a disposal can give you a much clearer picture of the net proceeds you'll actually have available.

The headline selling price isn't necessarily the amount you'll ultimately retain.

If you're considering selling an investment property, it can make sense to review the numbers before committing to the transaction.

📅 Book a meeting today: https://hubs.ly/Q04slxzK0
📞 01 278 5555

🏠 Fixed or Variable Mortgage Rate: Which Could Suit You?Choosing a mortgage rate isn't simply about finding the lowest r...
09/08/2026

🏠 Fixed or Variable Mortgage Rate: Which Could Suit You?

Choosing a mortgage rate isn't simply about finding the lowest rate available today.

Your decision should also consider your financial circumstances and how comfortable you are with potential changes to your repayments.

A fixed rate can provide:
✔️ Greater repayment certainty
✔️ Easier household budgeting
✔️ Protection from rate increases during the fixed period
A variable rate can provide:
✔️ More flexibility in certain circumstances
✔️ Potential benefit if rates fall
✔️ Different options depending on the lender

There isn't one answer that is right for every homeowner.

We regularly meet borrowers who choose a rate based solely on the headline interest rate without considering the wider implications.

Before choosing, consider:
❓ How long do you expect to stay in the property?
❓ How much certainty do you need?
❓ Could you comfortably afford higher repayments?
❓ Are there penalties for changing your mortgage?

📊 Your mortgage is likely to be one of your biggest financial commitments. The right structure deserves careful consideration.

📅 Book a meeting: https://hubs.ly/Q04slyks0
📞 01 278 5555

Address

Providence House, 61 Lower Kilmacud Road, Stillorgan
Dublin
A94A2F7

Opening Hours

Monday 9:15am - 5:45pm
Tuesday 9:15am - 5:45pm
Wednesday 9:15am - 5:45pm
Thursday 9:15am - 5:45pm
Friday 9:15am - 5:45pm

Telephone

+35312785555

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