Podcasts · Business · Education

Better With Money

The Irish Times

53 episodes

If you find managing your money a struggle, this is the podcast for you. From The Irish Times, Better With Money is a crash-course in how to spend responsibly, save effectively and make big financial decisions wisely.

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Episodes page 1 of 2

  1. Payday Routines: 'I'm up €60,000 since the start of the year'

    · 27 min

    Carlotta Aringhieri (@OnTheMoneyWithMe) is a financial content creator who - just days after payday - only has €100 left in her current account. But not for the reasons you might think. She’s a huge advocate of having…

  2. Personal investment account: ‘What is the interest rate in the new scheme?’

    · 26 min

    The Government’s planned personal investment account for ordinary savers was finally revealed on budget day, but it wasn’t long until the questions began arriving by email to The Irish Times business desk. Questions…

  3. 'Am I being ripped off?': Understanding changes to childcare in the budget

    · 26 min

    Parents around the country were left confused last week when the Minister for Public Expenditure Jack Chambers said he was reducing the “maximum childcare fees paid by parents from €735 to €550 per month” for children…

  4. Revealed: Ireland's new personal investment account - so how will it work?

    · 25 min

    Aideen Finnegan is joined by Dan Malone of Honest.ie for a debrief on the new personal investment account scheme unveiled by Finance Minister Simon Harris in Budget 2027. Dan explains it's a tax-advantaged “home” for…

  5. "Most people are overpaying for their health insurance": here's how to save on yours

    · 41 min

    Not everyone can afford or even wants health insurance. But for those who do - or those who worry affordability will force them to drop theirs - this episode of Better with Money is your ultimate guide to saving at a…

  6. Wills, windfalls and inheritance tax: Here’s how to understand them in Ireland

    · 34 min

    Irish Times deputy business editor, Dominic Coyle, and trust and estate practitioner,Trea McGuinness, discuss what’s set to be the biggest transfer of generational wealth ever in Ireland. That’s because the over 65s…

  7. 'I get asked this almost by every client I have': ETFs with Kevin Elliott

    · 25 min

    Investment expert Kevin Elliott returns to the podcast to answer the most commonly asked questions about Exchange Traded Funds, including the one he gets asked by almost every client: "Should I start investing in ETFs…

  8. Thinking of buying a derelict property to create your dream home? Here’s what you need to know

    · 33 min

    As "Cheap Irish Homes" returns to TV screens, Better with Money explores whether vacant and derelict properties could actually offer a route to home ownership for first-time buyers, or would it be a rookie mistake to…

  9. New investment scheme: Here's what we now know - and what we still don't

    · 24 min

    For months there's been a maddening drip feeding of information about the Minister for Finance's proposed state-backed investment scheme for ordinary Irish savers. Yesterday the government finally nailed some colours…

  10. Back to School: Conor Pope's guide to surviving the September squeeze

    · 27 min

    Yes schoolbooks are now free and non-crested uniforms are more widely available, but there remains an unavoidable financial burden for parents every September. Digital devices, app fees, voluntary contributions, new…

  11. Paul Merriman on pensions: ‘I’d rather see clients mortgage-free by 66 even if that means delaying contributions’

    · 32 min

    If you think €40,000 a year would give you a comfortable life in retirement, the maths might give you a land. A 30 year old on just over €60k per annum would need to start saving 22% of their monthly income (€1,135) to…

  12. How the viral 'admin party' saved €1,169

    · 33 min

    The idea of an “admin party” has gone viral since the term was coined last year. It probably shouldn’t come as a surprise given how we are all drowning in our own quicksand of “I must get around to that” jobs. Whether…

  13. Impulse shopping ruining your finances? Here's how to break the cycle

    · 34 min

    This episode first aired in April.It's exactly the one you need to hear if you buy so many items online, you feel you need to sneak them past your partner / family / housemates before they see another package arrive at…

  14. Buying a car: should you go Hire Purchase, PCP or a loan from your bank?

    · 41 min

    This episode was first published in September 2025 so the prices quoted will reflect a time when Donald Trump hadn't started a war with Iran, the Strait of Hormuz was open and inflation wasn't as high as it is now.…

  15. Solar Panels: 'Our electricity bill now averages €208 a month'

    · 32 min

    If you’ve been wondering whether solar panels are worth the costly initial outlay, this is the episode for you. “At no stage have I ever heard anyone say ‘I wish I didn’t put so many solar panels up.’ It’s usually ‘I…

  16. ‘The best performing stock market was Colombia last year’: Picking an index fund as an Irish investor

    · 35 min

    If you have found yourself at the point at which you're finally ready to invest, but you don't know how to do your research into index and exchange traded funds (ETFs), this is the episode for you. There’s an…

  17. ‘Some of my followers have saved €100k’: What influencers told Harris in investment scheme briefing

    · 35 min

    Aideen Finnegan speaks to financial influencer Annmarie Gaynor (Irish Budgeting Mammy) and Cian Carolan of DNG Financial Services after they attended a Department of Finance meeting with Simon Harris and junior…

  18. Ireland’s new EV scrappage scheme opens tomorrow. Can you still get the €5,000 grant?

    · 32 min

    In this week’s episode, the font of all motoring knowledge Neil Briscoe is taking us through the government’s new pilot ICE to EV scrappage scheme. For us non petrol heads, those acronyms essentially mean “give up yer…

  19. ‘The cheapest quote can end up being the most expensive’: How to keep renovation costs down

    · 39 min

    Unless you’re Dermot Bannon, doing up your house must be one of the most expensive and nerve-wracking jobs you can ever take on. In this episode of Better with Money, Quantity Surveyor Shay Lally (aka…

  20. ‘It just absolutely baffles me’: How Ireland’s ‘single tax’ hurts at weddings as well as mortgages

    · 31 min

    From supplements on hotel rooms to needing to save tens of thousands of euro on your own to buy a home, the costs of doing anything in Ireland - as a single adult - are hidden and varied. Irish Times columnist and…

  21. Is your fixed-term mortgage ending this year? Tips on getting lowest rates in Ireland

    · 26 min

    Can changing your mortgage to a fortnightly payment plan save you money and reduce the overall term? Will striving to get your loan-to-value ratio down unlock the best interest rates? And how can you even go about that…

  22. Should you try and overpay your mortgage or invest instead?

    · 23 min

    What are the fastest and least painful ways of paying off your mortgage? Should you overpay, if you can? Or should you use any extra money to invest instead? What about switching - how much can it save you, really?…

  23. I’ve helped people clear debt for 30 years. Here’s how to tackle it.

    · 32 min

    Whether it's a few hundred euro on a credit card that you just can't manage to clear, or if you have fallen behind on your mortgage repayments due to an unforeseen life event - if debt is keeping you awake at night,…

  24. 'My pension fund has grown by 69% in three and a half years' - here's how to maximise yours

    · 27 min

    If you have pension anxiety - either because you don't have one yet or because the one you do have won't cut it - this is the episode for you. Sjoerd Bak, a qualified financial adviser and founder of Become a…

  25. Flights, car hire and the airport 'golden hour': Conor Pope's guide to holiday spending traps

    · 31 min

    Wondering how you'll stretch your holiday budget amid uncertainty over rising energy costs and jet fuel supplies? Pricewatch editor Conor Pope has the latest on what the conflict in the Middle East might mean for…

  26. 'Never open that app again' - Investing platforms, ETFs, and the deemed disposal headache

    · 21 min

    This episode is for information purposes only and does not constitute financial advice. It's the second part of our chat with Dan Malone from honest.ie who is demystifying the various online trading platforms available…

  27. “99.9% of people shouldn’t be picking stocks’ - A beginner’s guide to investment apps in Ireland

    · 32 min

    If you've never opened an online trading app in your life (or you have but felt immediately overwhelmed) this is the episode for you. Dan Malone from honest.ie is a chartered accountant, chartered tax advisor and…

  28. New savings and investment scheme: What's in Simon Harris' plan?

    · 34 min

    Today we are unpacking Simon Harris’s proposed savings and investment scheme, due to be unveiled in October, and what questions remain about how it will work. Qualified Financial Advisor and long-time investor Kel…

  29. “My salary was in my wardrobe” - How a former shopaholic overcame her overspending

    · 34 min

    Even at a time of spiralling fuel prices and huge increases in the cost of living, it's possible for people to overspend on clothes, holidays or even just the “little treats” when they can least afford it. Why? Because…

  30. Sinking Funds: How the viral trend can transform your finances

    · 25 min

    Better with Money is on a break for Easter so we are revisiting our favourite episode from last year, all about the "sinking fund." It's a fancy way of saying you have separate of pots of savings for specific expenses.…

  31. Sort your finances out over a few drinks with friends: The ‘admin party’ that saved €1,169

    · 33 min

    The 'admin party' is the latest social media trend promising to save you money. The idea is it's a social, accountability-based way to tackle money-draining life admin. But does it work? Host Aideen Finnegan is joined…

  32. 'You can holiday in Vietnam for the price of a week in Greece' - budget travel strategies that work

    · 27 min

    No one knows more about organising an unforgettable holiday on a tight budget than Cork woman Stephanie Barry Woods. She and her husband Tim have been travelling the world for the past decade, having every type of…

  33. Pot o' gold or Fool's Gold? What beginner investors need to know

    · 24 min

    On this St. Patrick's Day, we are discussing gold as an investment choice; why it has soared in value, whether novice investors should get involved, and the approaches they could take. We're joined by MD of DNG…

  34. 'Start off with an amount that you're comfortable with losing': a beginner's guide to the stock market

    · 33 min

    We've spoken about investing before on Better with Money but today we're honing in specifically on how to invest in the stock market. If you've been wondering how you can generate a passive income from your smartphone…

  35. 'Tell them you want €40k' Pay negotiations, investing, and how to take financial control

    · 26 min

    Financial literacy isn’t just about understanding jargon. It’s about security and independence, says Leah McMahon - a financial planner with Castle Capital of Limerick. Women are among those being targeted in the…

  36. ‘That is the secret sauce’: How to set your children up for financial success in Ireland

    · 26 min

    It's tough making ends meet in 2026, let alone setting aside money for our children's future. But Robert Whelan of Rockwell Financial says it's worth putting away any amount, even to just to get started. In his…

  37. From side hustle to startup: how to set up a small business

    · 27 min

    Not everyone was brought up in an entrepreneurial environment, and most of us didn't study business beyond the Junior Cert. But that doesn't mean you shouldn't give it a go. Whether you're simply selling crafts on Etsy…

  38. ‘One couple had €1,500 waiting for them’: The tax refunds Irish workers aren’t claiming

    · 35 min

    The average Irish PAYE worker overpays €900 euro a year in tax. That's because many of us don't know we can claim money back on things like routine GP visits or pharmacy prescriptions. There are also tax reliefs that…

  39. 'The biggest asset apart from the family home is the pension': How to talk about money in relationships

    · 25 min

    If you were moving in with someone and they earned more than you, would you ask them to pay more of the rent? Or in the case of a divorce, how would you divide assets like a pension? The thorny issue of money in…

  40. ‘That’s what makes EVs so shockingly affordable’: Navigating the complex world of car buying

    · 41 min

    When it comes to buying a new car, financing options can vary widely. You have to factor in the total running cost (tax, fuel, insurance etc) and then watch out for the hidden ones. Throw in jargon like ‘PCP finance’…

  41. 'It completely freed me from stress': The transformative power of sinking funds

    · 33 min

    The sinking fund trend is a fancy way of saying you have separate of pots of savings for specific expenses. There's a legion of advocates who swear by the practice. One such enthusiast is Anita Collins, a maths teacher…

  42. Fix your finances: Better with Money is back

    · 0:55

    Calling all financial hot messes: Better With Money from The Irish Times can help you – even during a time of crazy prices. We break down the money questions you care about, jargon free and with people who’ve been…

  43. Coming soon: new episodes of Better With Money

    · 0:38

    It's nearly Budget Day, and what better time to think about managing your finances? Better With Money will be back soon with new episodes helping you take advantage of tax breaks, survive in a world of high prices and…

  44. The ultimate tax break you need to take advantage of

    · 24 min

    Alright fine, we'll admit it. This episode is about pensions. But we're unpacking them in a way that won't melt your brain, we promise. Whether you've started late or haven't even taken one out yet, deputy business…

  45. How to make a 'side hustle' work for you

    · 33 min

    What’s traditionally been known as the ‘nixer’ in Ireland, is recognised more widely on social media as the side hustle . Most people’s understanding of the term is additional income that supplements a person’s PAYE…

  46. I cleared six figures worth of debt in Ireland. These are the low-risk ways to invest that helped

    · 25 min

    If you've always thought investing is only for high-earning, suit-wearing, happy-hour cocktail swigging finance bros, Kel Galavan - aka MrsSmartMoneyHQ - is here to tell you why you're wrong. The Qualified Financial…

  47. Buying a home? Insider tips to help you with each step, from loan approval to closing a deal

    · 43 min

    Are you in the fortunate position of being able to save for a home or you're hoping to buy in the next few years? Purchasing a property in Ireland, especially when you are new to the process, can be daunting task at…

  48. How to finally get on top of debt

    · 26 min

    In the aftermath of the financial crash, Ann-Marie Gaynor was getting over a marital breakdown, lone parenting three children under 7 and in five-figure debt. A self-described Celtic Tiger baby, Gaynor says she only…

  49. 'How I saved €100,000 in four years' - strategies and tips for putting money away

    · 30 min

    Stephanie Barry Woods and her husband Tim quit their jobs in 2016 to travel the world. They haven't lived back home since. The Cork native goes by @StephMyLife on social media where she shares all her best travel tips,…

  50. How changing your 'money mindset' can help fix your finances

    · 27 min

    Your earliest money memories might be sabotaging your present day finances. That top you bought after a bad day at work? That savings account you keep meaning to open? Or that skimping you do on the bill at the end of…

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