What's next for you?
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Going to College?
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Going to College?
College life is an amazing experience that brings a greater sense of independence, but even students have the responsibility of keeping their finances under control. So begin student life the right way and put a budget plan in place to ensure your funds get you through college life. -
I need to have easy access to my money
You’ll experience a lot of expenses in the first few months of getting set up in college including fees, books and fresher’s week. You need to have access to your cash whenever and wherever you want. You may even need some financial support or budget advice in the first few months while you wait for your grant to come through.
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I need to put money aside for rent
For students living away from home, rent will probably be your biggest expense. Even if you are not renting, you will probably have travelling costs. You need to think about how you will manage if you are not working during the college term. It’s best to budget for this now and save when possible.
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I need to organise travelling during the summer months
You have the whole summer off and the world at your feet. If you do not have the savings at the end of your college year, you will need some financial support to get away. We can provide you with a number of budget-friendly options;
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Getting Started?
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Getting Started?
So, you’re getting started in your first job and on the path to building a career. This is the time when you start making your own decisions and looking ahead at developing your career into everything you want it to be. You’ve worked hard to get here and now that you’re earning you want to be able to make your money work for you. -
I need to be able to manage my money for everyday costs
Having a job is great because you’ll be earning your own money. But it also brings many new expenses including paying for day to day items such as food, utility bills and your work wardrobe. And you will want to have access to your money whenever and wherever you are.
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I need to pay for the things I like to do on my time off
All work and no play is not the mantra for you. You work hard for your money so you want to enjoy spending at least some of it. You enjoy concerts, buying clothes and eating out.
You want solutions to allow you the freedom to enjoy your money while also stashing away a little into a nest egg for the future. We can help you to balance your expenses while allowing you to enjoy the money you have.
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I need support to help pay for the important things
Now that you are in a full time job, you will be getting used to the daily commute, which may mean that you need to buy a car. You may also want to continue to study for more qualifications or you may be planning a few trips away.
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Recently Promoted?
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Recently Promoted?
Congratulations on your recent promotion. You've obviously been working hard to achieve a promotion, and it's nice to reward yourself with some treats but remember to consider your future plans also, as laying a good savings foundation now is your key to future financial success. -
I need to identify my short term, medium term and long term goals and budget accordingly
Your short-term goals are less than five years away and might encompass a wedding, honeymoon, furniture or a new car. Mid-term goals could include the purchase of a home and financing your future children’s college education. Your long-term goals centre on planning a pension for your retirement. These goals will help you determine how you spend, and your savings plans. You may need to consider a loan for some of these plans, and we are happy to advise you on that.
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I have lots of things I want to do/buy but can’t afford them right now – how do I begin a savings plan?
Saving is easy – especially if you have the money. Think of all your financial goals and put aside some of that extra cash so that you can achieve them. We have a number of savings options available. Building up a good savings record now will also put you in good stead down the road if you need to apply for a loan or a mortgage.
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What about if I need a little help paying for something that I need now?
Maybe you need a new car to go with that new promotion; you need to kit out an office at home or maybe you just want to have a nice break away before starting into your new job. If you need a loan, we have lots of flexible personal finance options that can give you the freedom to live your life the way you want.
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Buying a home of your own?
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Buying a home of your own?
Whether you are living at home or renting, you are probably thinking about getting your own place one day. Many customers come in and talk to us about getting a mortgage, even if buying is some way off for them. Buying your first home is one of the biggest and most exciting choices you will ever make, and entering into a mortgage is a big decision, so it makes sense to do a bit of planning to make sure that when the time is right for you, you are well prepared and ready to make the move. -
I need to save for a deposit
When applying for a mortgage, the first thing you’ll need to think about is getting a deposit together. When it comes to buying a home, the bigger your deposit, the less you’ll need to borrow, so you should aim to save at least 10% of the purchase price to put down as a deposit. There may be one off expenses involved when buying a home and moving which can add up to between €5,000 and €10,000 (legal fees, a valuation report or surveyors report and home insurance) so you need to set money aside for these as well as your mortgage.
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I need advice on how to apply for a mortgage
Before you go “house-shopping” you’ll need to establish just how much you can borrow. You can use our Mortgage repayment calculator to work out the repayments for different amounts. What you can comfortably afford to repay each month will help you determine your loan amount. Then once you have found your dream house just make an appointment with one of our Mortgage Advisors. They will be able to explain all of the mortgage options available to you, provide you with a personal quote and walk you through the application process to get you moving.
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I need to protect my new home and belongings
Once you’ve moved into your new home, you should consider how to protect your investment. A mortgage is a large and important financial commitment so it makes sense for you to protect it. Mortgage repayment cover is designed to cover your repayments should you become involuntarily unemployed, fall ill or if you have to leave work to care for a relative. During these difficult times, this type of cover will give you security and peace of mind. Home Insurance covers everything from serious problems such as fire or theft, to the smaller things like providing extra cover for contents at Christmas.
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Getting married?
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Getting married?
What an exciting time in your life – the big question has been popped and you are probably in the middle of planning that special day and the honeymoon. Of course, both the wedding and the honeymoon will cost money so it’s really important that you and your partner carefully consider your budget and if you haven’t started already, think about starting to save now. -
So much to pay for – how do I start saving?
Starting to save is easy. Once you’ve set a wedding date, you and your partner may need to think of ways to cut back on your spending to allow you set aside some money every month. There are a number of savings options available and we are happy to explain them to you. Building up a good savings record now will also put you in good stead down the road if you need to apply for a loan or a mortgage as a married couple.
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I need some help paying for the wedding or honeymoon costs
With so much to pay for it’s understandable that you may require a little help – and whether you need a travel loan to pay for the honeymoon or a personal loan to pay for the wedding reception, we have several personal finance options available. We will be delighted to explain how we can help you.
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I need to protect my new home and belongings
A mortgage is a large and important financial commitment so it can make sense for you to protect it. Mortgage repayment cover is designed to cover your repayments should you become involuntarily unemployed, fall ill or if you have to leave work to care for a relative. During these difficult times, this type of cover will give you security and peace of mind. Home Insurance covers everything from serious problems such as fire or theft, to the smaller things like providing extra cover for contents at Christmas.
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Thinking about having a baby?
- I need to put money aside for all of my new outgoings
- I need to make some changes around my house to prepare for a new baby
- I need to start saving for my family’s future
- I need to protect my family’s future and make sure the family is financially secure if something were to happen to me or my partner
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Thinking about having a baby?
Having a baby and starting a family is wonderful – but it comes with a whole new set of responsibilities. Whether you’re considering starting a family, are expecting your first baby or already have a young family, you’ve a whole new set of decisions to make. -
I need to put money aside for all of my new outgoings
During pregnancy, there can be a lot of new expenses, especially when getting set for a the arrival of a new baby. Also you need to consider how you will manage your finances if you or your partner takes extended leave. Whatever your future plans for your family may be, the important thing is to start saving as much as you can, right now. Putting your children through third level education may seem far away into the future but it helps to start saving as early as possible.
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I need to make some changes around my house to prepare for a new baby
Preparing your home for a new baby can be a daunting prospect and there can be a lot of expenses involved. A credit card is a good tool for new parents buying nursery goods and anything else you might need during or after pregnancy. If you are thinking of buying a bigger car or getting away for a break, a motor or personal loan may be of interest. If you are building an extension or renovating your property you should ensure your Home Insurance has you covered.
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I need to start saving for my family’s future
Whatever your future plans for your family may be, the important thing is to start saving as much as you can right now. Putting your children through third level education may seem far away into the future but it helps to start saving as early as possible. Your income funds everything for your family – from the weekly shopping to where you go on holiday, so make sure that your family is protected in the event that your income stops, such as serious illness or premature death.
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I need to protect my family’s future and make sure the family is financially secure if something were to happen to me or my partner
Whatever your future plans for your family may be, the important thing is to start saving as much as you can right now. Putting your children through third level education may seem far away into the future but it helps to start saving as early as possible. Your income funds everything for your family – from the weekly shopping to where you go on holiday, so make sure that your family is protected in the event that your income stops, such as serious illness or premature death.
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Managing a growing family?
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Managing a growing family?
With a growing family you may need extra space, or extra finance. You may need to move to a larger home or extend your existing one to accommodate everyone. And you are dealing with the demands from family on your financial budget. We have expert advisers in every branch to help you with the steps you need to take to keep your finances in check. -
I need to save up for costly times of the year such as back to school, family holidays and Christmas
Having a young family means that your life is very busy. However, identifying the times in the year when you have a lot of outgoings can help you plan around them. There are a number of ways to help smooth out the ups and downs of your cash flow when looking after the family finances. For short-term needs, an overdraft may help. Or to help save you time, register here for Bank of Ireland 365 to do your day-to-day banking online or by phone at a place that suits you, 24 hours a day, 365 days a year.
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I need to make sure the family is financially secure if something were to happen to me or my partner
Parents often take their own health for granted when they are busy raising children, but it’s essential that you and your family to plan for the unexpected. Your income is your most important asset and you will need to ask yourself what would happen if you could no longer work? How long could you maintain your current lifestyle? We can help you to protect your home, your income, your family and even your business in the event that you become seriously ill or die.
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I need to invest in my children’s education – school/college.
A good education is the best possible start you can give your children. But it may cause a strain on your finances. We are happy to explain the different options available and help you plan ahead. Saving regularly can help to ease this financial burden and put less strain on the family budget in years to come.
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About to turn 50?
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About to turn 50?
A successful career, the freedom to live the lifestyle of your choice and a sense of satisfaction with what you have accomplished can make these years truly enjoyable. It's time to put yourself first and start considering a whole new phase in your life, your retirement. -
I need to take stock and see where I am in relation to my retirement plan
While your home may now be paid for, you will continue to have other household and lifestyle related expenses, and your pension may not be enough to cover these costs. If you are married or are in a relationship you may find now is a good time to review your financial plans together with your partner, looking at the age at which you would like to retire, the travel plans you would like to make, the hobbies or interests you intend to pursue. If you do not have one already, you should also consider looking into a pension plan.
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I need to help my children get started on the road to independence
Your children may have left home, but you may still worry about them getting established in their own home, career and family. You may want to plan for an upcoming special family event or simply get your children started on the road to independence, whether that is getting them through college or into a home of their own.
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I need to reward myself and my partner, after years of putting others first
It is time to invest in your health and home. If your children have moved out, you may want to convert an old bedroom into a study or look at making some green energy home improvements to reduce your energy bills. We are happy to talk to you about our home improvement loans and our options for equity release. You should also give thought to your home insurance to see if the amount insured has kept pace with the replacement cost of your home and personal property. Once you are retired, you may want to realise one of your lifetime goals and take that dream holiday– now that you have the time.
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What to do in retirement?
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What to do in retirement?
Once you are retired, you have freedom to benefit from the lifestyle of your choice, and time to spend with your friends and family can make your retirement years truly enjoyable. However, this is not the time to become complacent about your finances. It is important to stay open to new ideas and opportunities to leverage your money, while still keeping finances in mind. -
I need to know how much I will need in retirement
You may have had a pension plan in place for a long time already but as you approach retirement it’s even more important to review your arrangements. We have a handy Pension Calculator to help you identify if you need to review your current pension plans in line with your desired income at retirement. Did you know that, as you near retirement, you can put a very substantial proportion of your salary into a pension plan and claim tax relief on your savings?
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I need to have an income to support my lifestyle
Moving from a salary to your pension can be a big step. Will I have enough? What if I need extra finances in an emergency? There are steps you can take if you identify a gap between your planned income and expenditure. Options could include lowering your retirement budget, downsizing your home to release equity, reducing your lifestyle costs, e.g. switching to a smaller vehicle with lower running costs. You may decide to take on a new part-time job or are you thinking of starting your own business? Now you finally have the time to turn that hobby into something more.
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I need to retire from work and not from life
No longer is retirement seen as a time for sitting on park benches feeding ducks. We understand that your finances may have changed, but you haven’t, so we’ve developed a smart package to suit your new retirement plans.If you are 60 or over, take advantage of our great over 60s offer by contacting your local branch. We will invite you in to apply, and look at any other needs you may have such as planning the trip of a lifetime, dedicating your time to a favourite hobby or helping to set up the children on their final step to independence.
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