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Cunningham Financial Services

INSIGHTS & FINANCIAL ADVICE

Money Talk

Plain English financial advice. Your go-to resource for insightful information and expert advice on all things related to personal finance, investing, and money management.

Plain English

No jargon and no sales pitch. Straight answers to the money questions people actually ask.

Written by advisers

Every article comes from the Cunningham Financial Services team. Written by advisers

Ask us directly

If something you read raises a question, a consultation costs nothing and carries no obligation.

Thomas Cunningham
Tommy Cunningham
Managing Director, Cunningham Financial Services
Understanding your money

Clear thinking about money

Money Talk is where we write down the things we find ourselves explaining most often. Pensions, mortgages, savings, protection and the everyday decisions in between, set out in plain language so you can weigh them up on your own terms.

Every situation is different, so the articles here are written to give you the background and the right questions to ask rather than a one size fits all answer. Where a decision deserves proper advice, we say so.

Browse by topic

Find the answers that apply to you

Six running threads across the blog. Start wherever your question sits.

Mortgages

First time buyers, switching lenders, approval and all the paperwork in between.

Savings & Investments

Building a fund, spreading risk and making Irish tax relief work in your favour.

Money Management

Budgets, debt and the everyday habits that keep household finances steady.

Retirement Planning

Pensions, PRSAs and the steps that lead to the retirement you have in mind.

Personal Finance

Planning around real life, from a first pay cheque to a growing family.

Quick Answers

Short explanations and a full glossary for the terms that trip people up.

The blog

Latest articles

New pieces are added regularly. Use the search or the topic list to jump straight to what you need.

Personal Retirement Savings Account (PRSA)

Savings & Investments

20 Feb 2024

Maximising Your PRSA: A Guide to Tax-Efficient Saving in Ireland

Personal Retirement Savings Account (PRSA)

Thomas Cunningham

First-time Buyers

Mortgages

18 Jan 2024

Home Ownership a First-Time Buyers Guide

This guide is designed to offer first-time homebuyers in Ireland a clear, straightforward path through what can often seem like a labyrinth of decisions and procedures.

Thomas Cunningham

Mortgage Application Process

Mortgages

20 Dec 2023

The Mortgage Application Process in Ireland

The mortgage application process in Ireland is a multi-step journey involving various professionals within the mortgage industry. Each role contributes significantly to the process, ensuring...

Thomas Cunningham

Monthly Budget - Budgeting for Life

Personal Finance

13 Dec 2023

Budgeting for Different Life Stages

Budgeting is the compass that guides us through the financial journey of life. It adapts to our ever-changing circumstances, ensuring we stay on course regardless of the stage we find ourselves in.

Thomas Cunningham

Glossary of Financial Terms

Quick Answers

16 Nov 2023

A Glossary of Financial Services Terms

This is a glossary of financial services terms designed to help demystify the jargon and technical language often encountered in the world of finance, this resource is a valuable tool for both beginners and seasoned professionals.

Thomas Cunningham

Diversification and Portfolio Balancing

Savings & Investments

16 Nov 2023

Diversification Techniques for a Balanced Portfolio.

The key to achieving your financial goals safely is a balanced portfolio. Diversification techniques is not just a buzzword; it’s an essential strategy that seasoned investors use to spread risk and capitalise on a variety of growth opportunities.

Thomas Cunningham

A couple planning their early retirement

Retirement Planning

16 Nov 2023

Achieving Early Retirement
Strategies for a Bright Financial Future

In order to achieve financial freedom and early retirement, one must negotiate the complex world of personal finance with determination and sound decision-making. Many people wish to retire early, but few take concrete actions to achieve this objective. In this basic guide, we’ll look at practical solutions that will help you get started on the road to early retirement.

Thomas Cunningham

Paying Off Debt

Money Management

21 Oct 2023

Paying Off Debt – Strategies and Best Practices

Paying off debt? Whether it's student loans, credit card debt, a mortgage, or any other form of borrowing, it's essential to have a plan to pay off debt effectively.In this basic guide, we will briefly cover strategies and best practices that will help you regain control of your finances...

Thomas Cunningham

A Guide to Mortgages in Ireland

Mortgages

6 Oct 2023

A Basic Guide to Mortgages in Ireland

Securing a mortgage is often a crucial step towards homeownership. For those navigating the property market in Ireland, understanding the various types of mortgages in the marketplace is essential. In this basic guide, we’ll take a quick look at the world of mortgages

Thomas Cunningham

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Cunningham Financial Services • thomas@cunninghamfs.ie

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