Ms Moneypennies

Ep 44: Overpay your Mortgage or Invest?

22 min · 19. März 2026
Episode Ep 44: Overpay your Mortgage or Invest? Cover

Beschreibung

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/money-tools/extra-mortgage-payments-calculator/ [https://www.ccpc.ie/consumers/money-tools/extra-mortgage-payments-calculator/]   Have you got a question for Ms Moneypennies? Get in touch Voice Note: 085 7285161 Email: info@msmoneypennies.ie [info@msmoneypennies.ie] Website: www.msmoneypennies.ie [http://www.msmoneypennies.ie] Instagram: https://www.instagram.com/msmoneypennies.ie/ [https://www.instagram.com/msmoneypennies.ie/] All topics discussed during this podcast are for informational purposes only and do not constitute financial advice.  We recommend when considering financial decisions, you seek the appropriate professional advice

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Alle Folgen

50 Folgen

Episode Ep 50: Negotiate your Worth: Why Women Need To Ask For More Cover

Ep 50: Negotiate your Worth: Why Women Need To Ask For More

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 themselves, how to prepare for salary conversations, the importance of leading with facts rather than emotions, and how even a small increase early in your career can have a significant effect on your future wealth, pension, and financial freedom. A practical and empowering conversation for anyone who wants to build confidence, increase their earning potential, and take control of their financial future. Want to know more? You can get Negotiate Your Worth here: https://www.amazon.ie/Negotiate-Your-Worth-Strategies-Increase/dp/B0FDQPHRW2 [https://www.amazon.ie/Negotiate-Your-Worth-Strategies-Increase/dp/B0FDQPHRW2]   Check out Becky on Instagram under Female_negotiator_tribe    Have you got a question for Ms Moneypennies? Get in touch Voice Note: 085 7285161 Email: info@msmoneypennies.ie [info@msmoneypennies.ie] Website: www.msmoneypennies.ie [http://www.msmoneypennies.ie] Instagram: https://www.instagram.com/msmoneypennies.ie/ [https://www.instagram.com/msmoneypennies.ie/] All topics discussed during this podcast are for informational purposes only and do not constitute financial advice.  We recommend when considering financial decisions, you seek the appropriate professional advice

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Episode Ep 49: How Much Should Be In My Pension Cover

Ep 49: How Much Should Be In My Pension

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 retirement with more confidence..    Have you got a question for Ms Moneypennies? Get in touch Voice Note: 085 7285161 Email: info@msmoneypennies.ie [info@msmoneypennies.ie] Website: www.msmoneypennies.ie [http://www.msmoneypennies.ie] Instagram: https://www.instagram.com/msmoneypennies.ie/ [https://www.instagram.com/msmoneypennies.ie/] All topics discussed during this podcast are for informational purposes only and do not constitute financial advice.  We recommend when considering financial decisions, you seek the appropriate professional advice

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Episode Ep 48: Finance Through The Decades Cover

Ep 48: Finance Through The Decades

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Episode Ep 47: Questions and Answers Cover

Ep 47: Questions and Answers

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 volatile markets. It is a practical episode with simple advice on understanding what you have, reviewing your options, and making a plan that works for your life now and in the future.   Have you got a question for Ms Moneypennies? Get in touch Voice Note: 085 7285161 Email: info@msmoneypennies.ie [info@msmoneypennies.ie] Website: www.msmoneypennies.ie [http://www.msmoneypennies.ie/] Instagram: https://www.instagram.com/msmoneypennies.ie/ [https://www.instagram.com/msmoneypennies.ie/] All topics discussed during this podcast are for informational purposes only and do not constitute financial advice.  We recommend when considering financial decisions, you seek the appropriate professional advice

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Episode Ep 46: Menopause and Finance Decisions Cover

Ep 46: Menopause and Finance Decisions

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, and why it is important to plan your finances before making big decisions. Their message is: don’t be afraid to ask for help, take your time, and make sure you understand your options.   Have you got a question for Ms Moneypennies? Get in touch Voice Note: 085 7285161 Email: info@msmoneypennies.ie [info@msmoneypennies.ie] Website: www.msmoneypennies.ie [http://www.msmoneypennies.ie/] Instagram: https://www.instagram.com/msmoneypennies.ie/ [https://www.instagram.com/msmoneypennies.ie/] All topics discussed during this podcast are for informational purposes only and do not constitute financial advice.  We recommend when considering financial decisions, you seek the appropriate professional advice

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