Ms Moneypennies

Ms Moneypennies

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Ms Moneypennies episodes

  • EP 55 - The New Personal Investment Account (PIA)

    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 just the growth.
    • Open questions: which providers will offer it, charges, fund choice, transfers in, and rules on closing and reopening.
    • Why you shouldn't wait to start saving.
    • Match your savings to your timeframe. Use cash or fixed deposits for money you need soon, and investments for money you won't need for more than five years.
    • Why goals and regular reviews matter.
    • Other options: fixed-rate deposits, savings certificates and bonds, credit unions and pensions.

      • Sponsor:

      Steeples Financial Consulting, Dundalk - ww.steeplesfc.ie

      Get in touch:

      Have you got a question for Ms Moneypennies? Get in touch

      Voice Note: 085 7285161

      Website: www.msmoneypennies.ie

      Instagram: 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

       

      27 min
    • EP 54 - Budget takeaways, tax changes, and what they mean for your pocket

      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 relief, Help to Buy, and the proposed personal investment account. 

      Key topics
      • Capital gains tax falls from 33% to 31%, while exit tax falls to 35%. They recommend planning ahead and checking whether reliefs such as entrepreneur or retirement relief may apply.
      • They explain personal tax credit changes using examples, and urge people with multiple jobs, pensions, or split credits to check their tax credit certificate.
      • They discuss inheritance tax threshold increases and the case for a family home exemption.
      • The state pension increase of €10 a week is welcomed, while the hosts note that long-term retirement planning should not rely on it alone.
      • Rental room relief and the Help to Buy threshold increase are discussed as supports for homeowners, students, and first-time buyers.
      • They examine the proposed personal investment account, including questions around the 1% flat tax and deemed disposal.

        •  

        Have you got a question for Ms Moneypennies? Get in touch

        Voice Note: 085 7285161

        Website: www.msmoneypennies.ie

        Instagram: 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

         

        29 min
      • Ep 53: What Should Your Adviser Do For You?

        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 explain why good advice is about listening, planning, adjusting, and keeping clients calm when life or markets change.

        Key topics

        • In this episode, they explain that a good financial advisor should start by listening to your goals, not by pushing a product.
        • They use a sat nav analogy to show how advice should help map the most appropriate route based on your destination and your risk tolerance.
        • They discuss why emergency funds matter, including the warning that many people are only a couple of pay slips away from trouble.
        • Explain why money needed in the short term should not be left in volatile investments, especially if it is earmarked for something like a renovation.
        • They stress that different people have different priorities, such as protecting income, saving for a renovation, or funding a pension.
        • They talk about the importance of plain-English explanations so clients understand what they are signing up for before they leave the meeting.
        • Reviews are a major theme, with both hosts saying an advisor should revisit your plan regularly as your circumstances, goals, and legislation change.
        • The episode closes with a reminder that if you do not feel comfortable with your advisor, it may be time to have an honest conversation or find a better fit.

          • Have you got a question for Ms Moneypennies? Get in touch

          Voice Note: 085 7285161

          Website: www.msmoneypennies.ie

          Instagram: 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

           

          28 min
        • What Does Mortgage Protection Cover?

          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
          The significance of conversion options in policies
          How to review and update your protection plans

           

          Have you got a question for Ms Moneypennies? Get in touch

          Voice Note: 085 7285161

          Website: www.msmoneypennies.ie

          Instagram: 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

           

           

           

           

          26 min
        • Ep 51: Pension Adjustment Orders

          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, retirement options, and the importance of getting financial advice to avoid costly surprises later.

           

          Have you got a question for Ms Moneypennies? Get in touch

          Voice Note: 085 7285161

          Website: www.msmoneypennies.ie

          Instagram: 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

           

          23 min
        • 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

           

          Check out Becky on Instagram under Female_negotiator_tribe 

           

          Have you got a question for Ms Moneypennies? Get in touch

          Voice Note: 085 7285161

          Website: www.msmoneypennies.ie

          Instagram: 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

           

          28 min
        • 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

          Website: www.msmoneypennies.ie

          Instagram: 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

          18 min
        • Ep 48: Finance Through The Decades

          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

          Website: www.msmoneypennies.ie

          Instagram: 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

           

          30 min
        • 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

          Website: www.msmoneypennies.ie

          Instagram: 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

          21 min
        • 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

          Website: www.msmoneypennies.ie

          Instagram: 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

          24 min

        About Ms Moneypennies

        From the publisher's feed

        Join Jill Steeples QFA RPA and Kelly-Anne Quinn QFA RPA SIA FPRA CFP®, on their podcast “Ms Moneypennies”, where they have created a space for judgement-free finance chats. With their wealth of experience, they are amplifying female financial voices to every day money matters. Their mission? To demystify financial planning by stripping away the jargon and simplifying concepts, making it approachable for all. Tune in to join their conversations and submit the questions you’ve been longing to ask!