Archive: 2025/12

You don't need a perfect credit score to borrow money. In 2025, you can get a loan with a score as low as 400 - but it comes with high costs. Here's what actually works for bad credit borrowers in Ireland.

Ignoring student loans doesn’t erase them - it makes them grow, damages your credit, and can cost you your paycheck, tax refunds, and even your career. Here’s what really happens when you stop paying.

Saving $20 a week adds up to $1,040 in a year-without interest. With a decent savings account, you could earn an extra $18 or more. Learn how small, consistent savings build real financial security.

Remortgaging in 2025 requires more than just a better rate. You need your mortgage details, proof of income, credit report, property valuation, ID, and a clear reason why. Know the costs and timeline to avoid delays.

Debt consolidation doesn't erase bad credit. Late payments and settlements stay on your report for up to seven years. Learn how long it really takes to rebuild your score-and what to do after consolidation to make it faster.

Home equity loans are harder to get in 2025 due to stricter lending rules, higher debt-to-income limits, and tighter credit requirements. Learn why approvals are down and what you can do to improve your chances.

The #1 rule of investing isn't about timing the market or picking stocks-it's about staying invested over the long term. Learn why patience and consistency beat every other strategy.

Find out which bank offers the best car loan rates in Ireland in 2025, including Bank of Ireland, AIB, and credit unions. Compare APRs, fees, and terms to save hundreds on your next car purchase.