This book is for everyone living in Ireland or who aspires to living in Ireland, and who wants to better manage and structure their personal finances.• You will find this book relevant regardless of your financial position, age or gender.• This guide – Ireland’s best-selling personal finance reference book – concentrates on ‘how to’ information: how to manage your mortgage, how to get rid of your debts, how to build up savings, how to save tax and how to protect your family.• If there is a particular subject you want to learn about, then check the detailed contents pages and index at the back of the book.• The book is written in plain English and contains plenty of:• case histories• real-life examples• checklists and• action-orientated advice.• The book is divided into nine sections plus Appendices, covering every aspect of personal finance. An annual handbook, the information it contains will always be up to date and includes latest budgetary and legislative changes.• Each chapter begins with a summary and ends with a list of action points.