Working my way to
Financial FREEDOM

I am a frugal Irish guy working towards financial independence through a combination of property investing, living a frugal/minimalist lifestyle, DIY and learning.


Below are the six general goals I held when I started with when I began my FIRE journey in 2017. A huge part of my motivation is developing the lifestyle I want. My vision is to make work something I chose to do some of the time rather than something I have to do all of the time. Personally, I place a high value on my free time and I always try to remind myself that time is precious. I like to use it to learn new skills, be productive, travel and enjoy connecting with my friends and family. 

Financial Goal 1


I am overpaying my 1st mortgage 

Financial Goal 2

Add Value to My House

I blog about the projects I do in my house and garden to add value. 

Financial Goal 3

Be Minimalist & Frugal

Living well within my means by spending less than I earn and finding ways to save money

Financial Goal 4

Grow the Gap

Find ways to increase my income both actively through work and passively through investments.

Financial Goal 5

Save a Deposit

Save enough money for a deposit on an investment property that will pay me passive income.

Financial Goal 6

Make Work Optional

I love my jobs(s) but not everyday. I want to get to a place where I work because I really want to, not because I have to.

periodically review my financial goals as my circumstances change and I learn more about FIRE. I have achieved some goals already, other goals have changed and some have even been set aside as I gain more experience or made mistakes. Since I progressed with my goals, I realised that it is better to make them much more defined and measurable than the six above. 

  • Reduce my credit card debt to zero DONE
  • Save an emergency fund of €3,000 DONE
  • Set up my own company DONE (read more about setting up a company in Ireland)
  • Buy an investment property DONE (read more about buying an investment property in Ireland)
  • Pay off my 1st mortgage by making regular over-payments.
  • Start a director’s pension DONE
  • Bring my emergency fund up to €5,000 DONE
  • Bring my emergency fund up to €10,000 DONE
  •  Invest a total of  €10,000 in the stock market, primarily in investment trust with good ESG ratings
  • Save a €20,000  deposit for my forever home. DONE
  • Get my 1st investment property up to rentable standard and start generating an income from it DONE!
PAYING OFF MY Mortgage Early

Over paying your mortgage is a very motivating action to take that can save you thousands in interest. When I started overpaying my first mortgage, I was on a variable rate. Because the term of the mortgage didn't change, each overpayment I made came with a letter showing a reduction in my monthly repayment. I went from paying €750 pm to under €350 pm. 

68% Paid Off


For Updates

I'd love to keep you updated on my progress and I'm actually interested in hearing from you too. If you subscribe below you will get notifications of when I post new stuff so you can read it, and roll your eyes and say "Jaysus that feckin' eejit again". Lovely.