D Moloney Financial Services

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D Moloney Financial Services

We are a Financial Services Company located in Kinvara, Co. Galway, offering a whole range of servic

28/05/2021

Some reason to choose an Investment Bond. 💰

- It’s a long-term investment option for your lump sums.

- You can change the level of investment risk if circumstances change.

- It’s a great option when looking for a way potential grow your money.

- You have the flexibility to take an income or encashment from the bond if needed.

To find out more contact us. 👇

https://dmoloney.ie/investments/

Northampton Financial Services Ltd t/a D Moloney Financial Services is regulated by the Central Bank of Ireland.

26/05/2021

Protecting Your Home With A Mortgage Protection Policy. 🏡

Congratulations, you have found your dream home and secured a mortgage. However, the funds won’t be released until you have a Mortgage Protection Policy in place!

It is a requirement that you have a mortgage protection policy that will be assigned to the lending institution in order to drawdown your mortgage.

The purpose of your mortgage protection policy is to pay off your mortgage should you die. You are not compelled to take out a policy with the mortgage lender, let us shop around to get you the best value in the market.

Contact us 😁👇

https://dmoloney.ie/home-mortgage-protection/

Northampton Financial Services Ltd t/a D Moloney Financial Services is regulated by the Central Bank of Ireland.

25/05/2021

Tax planning causing you a headache?

Our experts can help to ensure that you have adequate finances in place to cover your tax liabilities with no nasty surprises.

Get a quote 👇

https://dmoloney.ie/request-a-quotation/

Northampton Financial Services Ltd t/a D Moloney Financial Services is regulated by the Central Bank of Ireland.

23/05/2021

How to save for a rainy day? ☔️

1. Analyse your expenditure. Check how you’re spending your money each month; it can be surprising to see what you’re wasting it on.

2. Create a budget. Work out how much you need for food, rent, bills and leisure, so you can see what you’re able to save each month.

3. Pay savings first: Make your savings the first thing you pay into each month. If you’re in debt, your debts are the first thing you should pay off.

4. Earn more, save more: Save a fixed percentage of your income. So as your income goes up, so will your savings.

5. Think savings. If possible, any money left over at the end of the month should be saved. Top up your savings whenever you can.

6. Monitor your savings. Keep an eye on your savings and evaluate if you can afford to put away a bit extra each month. With Open24 online banking and our mobile app, it’s easy to keep track of your savings 24/7.

Check out these useful tips 👇

https://www.permanenttsb.ie/saving-and-investing/my-savings/rainy-day/

Northampton Financial Services Ltd t/a D Moloney Financial Services is regulated by the Central Bank of Ireland.

15/05/2021

Trying to save as much money as you can? 💰

Learn to budget and understand your finances. 🏦

The most important tip for saving money fast is to learn to budget. If you’re in control of your budget, then you’re in control of your finances. Becoming financially independent is essential if you want to reach both your short- and long-term savings goals. Here’s how to create a budget so you can start saving fast:

- Keep track of all of your finances over a 30-day period. This includes all of your income and expenditures.

- Compare your monthly income to your monthly expenditures to assess how much you’re currently managing to save, or how much you’re overspending each month.

- Separate your expenditures into fixed and variable costs. Your fixed costs are expenses that are typically difficult to adjust, such as your rent and utility bills. Your variable costs include more readily-adjustable expenditures such as groceries, entertainment, and subscription services.

- Identify any variable costs that you can start cutting back on to increase how much you can put towards your savings goals each month.

- Assess your progress regularly and make adjustments if necessary. If this seems a little overwhelming, there are plenty of budgeting apps available that can help make sticking to your budget easier.

Northampton Financial Services Ltd t/a D Moloney Financial Services is regulated by the Central Bank of Ireland.

Contact us today to see how we can help you save! 😁

08/05/2021

7 Ways to Save Money on Family Expenses. 💡

1. Focus on food costs. Figuring out how to save money while raising a family can seem difficult when your grocery bill is sky-high.
2. Keep birthdays simple.
3. Give secondhand a chance.
4. Choose frugal fun.
5. Plan ahead for the holidays.
6. Hack your housing costs.
7. Talk budgeting and saving with your kids.

Contact us today to see how we can help you get ahead of your finances. 🤩

Northampton Financial Services Ltd t/a D Moloney Financial Services is regulated by the Central Bank of Ireland.

07/05/2021

Have you been saving during COVID lockdowns?

But now what do you do with all these savings?

Pension, invest or leave it in you bank account? Money 💰

We know the answer .. but we can’t tell you if you don’t ask us!! 😁

Get in touch today!

Northampton Financial Services Ltd t/a D Moloney Financial Services is regulated by the Central Bank of Ireland.

06/05/2021

Saving for your future home? 🏡

6 tips to help you get your mortgage deposit together. 👇

1. Get acquainted with the Help-to-Buy scheme.
2. Look into a mortgage ‘exemption’.
3. Consider mortgage cashback deals.
4. Get more money savvy.
5. Claim a tax refund.
6. Save.

Read more here 👇

https://www.bonkers.ie/blog/mortgages/6-tips-to-help-you-get-your-mortgage-deposit-together/

Northampton Financial Services Ltd t/a D Moloney Financial Services is regulated by the Central Bank of Ireland.

05/05/2021

What are the stages of an individual financial life cycle?

There are four stages to an individual’s financial life cycle. There is the accumulation of wealth, growing or managing wealth, preserving and protecting wealth, and transferring wealth. Each phase of the cycle overlaps and needs to be managed using a comprehensive approach.

Want to find out more?

Drop us a message to see how we can help you. 😁

04/05/2021

Use these 5 simple tips for developing better spending habits and reap the rewards in your bank account. 💰

-Set a Monthly Budget.
-Reduce Credit Card Spending.
-Reduce Impulse Buying.
-Take Advantage of Better Pricing.
-Think of Your Future & Focus on Goals.

This is a good short blog 👇

https://www.hrccu.org/blog/good-spending-habits/

Address

Kinvara
Galway

Website

https://www.donaldmoloney.com/

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