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Breaking free from debt: ‘I used to see my credit card limit as a target'
Breaking free from debt: ‘I used to see my credit card limit as a target'

Irish Times

time16 hours ago

  • Business
  • Irish Times

Breaking free from debt: ‘I used to see my credit card limit as a target'

During the recession following the 2008 financial crash, Ann-Marie Gaynor was going through a marital breakdown; suddenly finding herself single parenting three children under the age of seven, jobless and €17,000 in debt. A self-described Celtic Tiger baby, Ann-Marie says she never saw the top limit on her credit card as anything other than a target. When one was maxed out she would successfully apply for another one. 'It was debt that would have been paid off quite easily if I was still in a marriage, but I wasn't... The first time I became an adult on my own was at the age of 30.' READ MORE Ann-Marie is also known as Irish Budgeting Mammy on Instagram where she shares what she's learned from turning her finances around. The key steps included engaging with the Money Advice and Budgeting Service (MABS) and going back to college as a mature student. The Longford woman is now a clinical nurse manager. Gaynor also joined the #DebtFree community; a movement originating in the US where people engage in hardcore economising to clear debt and save money. In this episode of Better With Money, she outlines what she's learned along the way and encourages others to regain control of their finances. Presented by Aideen Finnegan. Produced by Declan Conlon and Aideen Finnegan. Resources mentioned in this episode: Money Advice and Budgeting Service Other links you may find helpful: The Insolvency Service of Ireland's Back On Track web site Competition and Consumer Protection Commission If debt is causing serious mental distress, reach out and speak to an organisation like Samaritans

Wicklow minor boss feels team can help raise bar for county starved of success
Wicklow minor boss feels team can help raise bar for county starved of success

Irish Independent

time2 days ago

  • Sport
  • Irish Independent

Wicklow minor boss feels team can help raise bar for county starved of success

Though they lost the All-Ireland Tier Three Championship final on Saturday, manager Barry Fitzgerald tips bigger things for some of his players Wicklow People Losing an All-Ireland final is hard on everyone involved with the losing team, but it poses a unique challenge for managers. They have to push their feelings aside to no small extent because, as their title suggests, they need to manage how their players process the experience. When those players are youngsters, minors, the challenge is even keener. The Wicklow minors who lost Saturday's All-Ireland Tier Three football final to Longford will have taken it harder than players more hardened to ups and downs on and off the field.

Longford end year on a high with a victory over Carlow
Longford end year on a high with a victory over Carlow

RTÉ News​

time2 days ago

  • Sport
  • RTÉ News​

Longford end year on a high with a victory over Carlow

A listless Carlow side were put to the sword with Longford's Matthew Carey scoring 0-15 as Longford ended their Tailteann Cup campaign with a Group 4 win in Tullamore. The centre-forward proved impossible to stop as he nailed five two-pointers from placed balls and play. The Midlanders had nothing to play for but pride and they did this with a degree of panache particularly when they played with the strong wind in the first half. Oran Kenny opened the scoring with a two-pointer for Longford before Ross Dunphy replied with a point for Carlow. Carey picked off the first of his five two-pointers on 10 minutes. This was followed by a goal from Kenny on 12 minutes when he intercepted a Carlow pass. Running almost 40 metres his finish was superb while it cast doubt into Carlow minds. The Barrowsiders had their goal chances. Conor Doyle broke through the Longford defence but his shot was left and wide. Conor Crowley was also crowded out at the expense of a 45 which was not converted. Paddy McDonnell was unable to hit the target when he also broke through. Meanwhile, the eventual winners with the wind built up a lead with three of their forwards registering two pointers as they took a 1-17 to 0-06 lead into the second half. Carlow cause wasn't helped when they lost Crowley to a black card in injury time just before the interval. They still got off to a great start to the second half with Kyle Nolan firing over a two-pointer from the throw-in. They were unable to build on it with the Longford defence on top. The Carlow goal arrived in the final quarter when Ross Dunphy took the scoring pass from John Murphy. As the clock wound down, Niall Hickey was denied on the double by Patrick Collum in the Longford goal. With 11 minutes left to play, Conor Doyle added a Carlow two-point free which gave his side something to aim for. It wasn't to be. A successful comeback never materialised as Longford, who were already out of the competition before a ball was thrown in, regained lost pride in what was a difficult season for them. Longford: Patrick Collum; Patrick Fox, Oisin O'Toole, Bryan Masterson; Darragh Finlass, Cian Brady, Dessie Reynolds; Daire Duggan, Ryan Moffett; Caolan Lynch, Matthew Carey (0-15, 2-fs, 3-2pfs, 2-2p), James Moran (0-02, 1-2p); Aaron Farrell (0-01), Dylan Farrell, Oran Kenny (1-02, 1-2p). Subs: Jayson Matthews for Lynch (44), Iarla O'Sullivan for Moran (63), Paddy Moran for Kenny (68), Carlow: Johnny Furey; Paddy McDonnell, Mark Furey, Lee Moore; John Phiri, Niall Hickey, John Murphy; Kyle Nolan (0-02p), Conor Doyle (0-04 2pf 2p); Ross Dunphy (1-01), Darragh Foley (0-03fs), Mikey Bambrick; Conor Crowley (0-02,1f), Kevin Murphy (0-01f), Sean Murphy (0-02).

Longford's sharpshooter Matthew Carey puts Carlow to the sword
Longford's sharpshooter Matthew Carey puts Carlow to the sword

Irish Independent

time2 days ago

  • Sport
  • Irish Independent

Longford's sharpshooter Matthew Carey puts Carlow to the sword

Today at 11:05 Longford ended their Tailteann Cup campaign with a win over Carlow in Tullamore but they still finished bottom of Group 4 table. Carlow finished third but a win would have seen them top the group. With the aid of a strong breeze, Oran Kenny opening the scoring with a two-pointer, while Ross Dunphy replied with a point for Carlow. Matthew Carey nailed the first of his four two-pointers on 10 minutes which was followed by a goal from Kenny when he intercepted a Carlow pass and found the bottom right-hand corner of the net.

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