Ms Moneypennies

Jill and Kelly-Anne break down what we know so far about the new Personal Investment Account, due to start on 1 July 2027. They also cover what's still unclear and how to decide where your savings belong now. What we cover Who can open one: anyone aged 18 or over. The annual limit is €12,000. Tax: gains are tax-free up to €50,000. Above that, a 1% tax applies to the value over the threshold, not j...

Kelly-Anne and Jill break down the latest budget announcements, focusing on what could change for employees, employers, investors, homeowners, and pension savers. They also share practical examples to help make the numbers easier to understand. The conversation covers wage and employer cost changes, capital gains and exit tax, personal tax credits, inheritance thresholds, the state pension, rental...

In this episode of Ms Moneypennies  Jill and Kelly-Anne answer a listener question: what should a financial advisor actually do for me? They break down the real role of an advisor beyond products and paperwork, showing how advice should be built around goals, risk, reviews, and clear communication. The conversation also makes the case for ongoing relationship-based advice. Jill and Kelly-Anne expl...

Summary In this episode, Kelly-Anne and Jill explore the essentials of mortgage protection, clarifying misconceptions and offering practical advice on choosing the right cover to protect your family and financial future. Key Topics What mortgage protection covers and what it doesn't The importance of understanding decreasing vs. level term cover The benefits of dual life cover and joint policies T...

Pension adjustment orders can have a major impact on your financial future after separation or divorce, yet they're often misunderstood. In this episode, Jill and Kelly-Anne explain how pension adjustment orders work, common mistakes people make, and why understanding your pension entitlements is so important before agreeing a settlement. They discuss relevant periods, pension valuations, retireme...

Why do so many women hesitate to ask for the salary they deserve? In this episode of Miss Moneypennies, Jill and Kelly-Anne are joined by Becky Thomas, author of Negotiate Your Worth: Strategies for Women to Get the Salary Increase They Deserve. They discuss the confidence gap, salary negotiations, and the long-term financial impact of not asking for more. Exploring why women often undervalue them...

Are you saving into your pension without knowing if it will actually be enough? In this episode, Kelly-Anne and Jill use the Financial Planning Standards Board’s Prime Retirement Index to unpack what your pension pot may need to look like, why clear retirement targets matter, and how to tell if you’re on track. A practical conversation for anyone who wants to stop guessing and start planning for r...

How did we get from credit cards and ATMs to crypto and post-pandemic investing? Jill and Kelly-Anne explore the biggest financial shifts from the 1950s to today, and what they reveal about how we save, spend and invest. A sharp, practical look at the moments that shaped modern money.   Have you got a question for Ms Moneypennies? Get in touch Voice Note: 085 7285161 Email: info@msmoneypennies.ie...

In this Q and A episode of Ms Moneypennies, Kelly-Anne and Jill answer listeners’ questions on some of the money issues coming up most often right now. They cover old pensions, whether to combine them, fixed versus variable mortgage rates for first-time buyers, the cost of childcare, guilt around spending money on yourself, auto-enrolment and private pensions, and how to think about risk in volati...

In this episode of Ms Moneypennies, Kelly-Anne and Jill are joined by Lesley, co-founder of Hello Mimi, to talk about menopause and its impact on work, confidence and finances. Lesley shares her own experience leaving a corporate career due to menopause symptoms, and why she now helps women manage this stage of life with practical support. They discuss overwhelm, brain fog, stepping back from work...

In episode 45 of Ms Moneypennies, Kelly-Anne and Jill talk through the money mistakes people make all the time without even noticing. They cover underestimating spending, holding too much cash, ignoring pensions, missing tax relief, relying too heavily on property, and avoiding money conversations altogether. It’s a practical episode about the small habits and blind spots that can quietly cost you...

This week Kelly-Anne and Jill talk through the pros and cons of both investing or paying off your mortgage. Why an emergency fund should come first, how your future goals, cash flow and peace of mind all matter. They also look at mortgage overpayments, pensions and why the right choice depends on your own circumstances.   Link to calculate extra mortgage repayments: https://www.ccpc.ie/consumers/m...

In this episode of Ms Moneypennies, Jill and Kelly-Anne talk about your future self and why they matter more than you think. It is easy to put off pension decisions, savings, or protection because they feel far away. But future you will live with the results. They look at the small choices you make now and how they shape your options later. And they keep it practical. No lectures. Just clear steps...

In this podcast episode, Kelly-Anne and Jill enjoyed a conversation with Kristen Foran, National Sales Director at Zurich. Kristen shares her 30-year career journey in the financial industry, discussing how she overcame challenges as a woman in a traditionally male-dominated field. They talk about the importance of financial literacy and planning, particularly for women, and expressed concerns abo...

In this episode Kelly-Anne and Jill discuss basic budgeting principles, emphasising the importance of tracking income and expenses while setting realistic financial goals. They highlight the need for a budget plan that includes calculating net income, tracking expenses, and setting achievable objectives. Listen into their discussion where they stress the value of maintaining a flexible and regular...

This week Jill and Kelly-Anne discussed women taking control of their finances, focusing on the AIB’s report for Nollaig na mBan. They talk through the report and highlight the importance of seeking financial advice, checking for pension gaps, making the most of savings, and regular reviews. They discuss who financial planning is crucial for everyone, not just those with large financial portfolios...

This week Jill and Kelly-Anne talk with Paul Watters from Digital Financial Services. Paul is a Financial Advisor who shares his personal experience of being diagnosed with cancer and going through treatment. He explains the financial and emotional pressures he faced while battling his illness.   Paul talks about how important it was to have the right insurance, including income protection and ser...

Auto enrolment is on the way, and many people are meeting pension advisors to understand their options. In this episode, Jill and Kelly-Anne go through an A to Z of pensions and explain the key terms you’re likely to hear. The goal is to help you feel prepared and have a better understanding of what your pension actually means.   Have you got a question for Ms Moneypennies? Get in touch Voice Note...

This week, we talk about the real value of financial advice and why having a trusted advisor matters. A good advisor helps you make sense of market changes and life events, keeping your plan on track through ups and downs. We discuss the importance of reviewing your financial plan regularly, share client stories, and show how good advice leads to better decisions, less stress, and greater peace of...

We’ve had a lot of questions about auto-enrolment lately, so this week we are discussing them and taking a closer look. We chat about the complexities of auto-enrolment, address misconceptions and explain the tax implications. Our advice? Take the time to learn about it and understand your pension options.   Have you got a question for Ms Moneypennies? Get in touch Voice Note: 085 7285161 Email: ...

Tax Talk Simplified — It’s that time of year again. This episode unpacks how your tax return isn’t just a chore, it’s an opportunity. Discover how pension contributions can cut your tax bill while boosting your future wealth. Smart moves today mean more money tomorrow — tune in and make your taxes work for you!   Have you got a question for MS Moneypennies? Get in touch Voice Note: 085 7285161 Ema...

This week we breakdown the world of financial charges, from pensions to protection policies, and share methods of comparing. We talk about transparency and why asking questions matter. Tune in for a mix of money talk and real-life chat to help you feel informed and empowered.     Have you got a question for Ms Moneypennies? Get in touch Voice Note: 085 7285161 Email:  info@msmoneypennies.ie Websit...

The episode provides detailed guidance on saving and budgeting strategies, emphasising the importance of starting small, establishing emergency funds, and tracking expenses through various tools. We address common challenges in budgeting, including relationship dynamics and motivation, while encouraging practical steps and the importance of celebrating financial achievements.   Have you got a ques...

This week, we’re digging into the pressure of back-to-school costs, for both students and parents. We’ll look at the real price tag of going to college, share budgeting tips, and chat about ways to manage day-to-day expenses whether you’re living at home, in student accommodation or renting with friends.   Have you got a question for Ms Moneypennies? Get in touch Voice Note: 085 7285161 Email:  in...

We are talking to business owner Joanne Lavelle and discussing the intricacies and impacts of auto-enrolment, or My Future Fund, from an employer’s perspective. Joanne shares her experience as a small business owner navigating the challenges of implementing a pension scheme for her staff. She emphasises the importance of expert guidance to facilitate the process effectively. Joanne  highlights the...