1. Home
2. Budgeting & Debt Guides

Budgeting & Debt Guides

Free guides to zero-based budgeting, debt snowball vs avalanche, saving a mortgage deposit and wedding budgets for Ireland and the UK.

• Irish wedding budget breakdown

  How to build an Irish wedding budget: the categories to include, how to work out cost per guest, supplier deposits and the legal notice period.

• Saving a mortgage deposit in Ireland (Help to Buy and Central Bank rules)

  How much deposit you need in Ireland: the Central Bank 4x income and 90% LTV rules, Help to Buy up to €35,000, stamp duty, and a worked example.

• Debt snowball vs debt avalanche

  Debt snowball vs avalanche explained with an example: which saves the most interest, which keeps you motivated, and how to choose.

• Zero-based budgeting: a free method that works

  How to do a zero-based budget for free with pen, paper or any spreadsheet: give every euro a job, handle irregular bills, and review monthly.

• The debt snowball method, step by step

  How to run the debt snowball step by step: list debts, set your extra payment, roll payments forward, and when the debt avalanche is the better choice.

• How to compare two job offers (Ireland and UK)

  Compare job offers properly: net take-home after tax, USC/PRSI or National Insurance, employer pension match, salary sacrifice, benefits and commute costs, for Ireland and the UK.

Not financial advice. These guides are general information for budgeting and planning, not financial, tax, legal or mortgage advice. Rules change and your situation is unique. Check official sources or a qualified adviser before you act.