{"id":359299,"date":"2026-03-22T12:35:13","date_gmt":"2026-03-22T12:35:13","guid":{"rendered":"https:\/\/www.newsbeep.com\/ie\/359299\/"},"modified":"2026-03-22T12:35:13","modified_gmt":"2026-03-22T12:35:13","slug":"investing-or-overpaying-a-mortgage-which-is-the-best-use-of-e10000","status":"publish","type":"post","link":"https:\/\/www.newsbeep.com\/ie\/359299\/","title":{"rendered":"Investing or overpaying a mortgage \u2013 which is the best use of \u20ac10,000?"},"content":{"rendered":"<p class=\"indo-ebe0ecc6_root indo-ebe0ecc6_paragraph indo-91174671_secondary indo-1d70522a_marginbottom4 indo-1d70522a_marginleft0 indo-1d70522a_marginright0 indo-1d70522a_margintop4\" style=\"color:var(--color-primary-80)\" data-testid=\"title-summary\">Knocking years off your mortgage is not always the most efficient use of your spare cash<\/p>\n<p><img decoding=\"async\" alt=\"By shrinking mortgage debt, you\u2019ll have more disposable income in the future. Photo: Getty\" src=\"https:\/\/www.newsbeep.com\/ie\/wp-content\/uploads\/2026\/03\/SN Credit union loas pic.jpg\" loading=\"eager\" width=\"100%\" data-testid=\"article-image\"  \/><\/p>\n<p class=\"indo-ebe0ecc6_root indo-ebe0ecc6_caption1 indo-300db776_none indo-91174671_secondary indo-66f0fec7_regular indo-1d70522a_marginbottom0 indo-1d70522a_marginleft0 indo-1d70522a_marginright0 indo-1d70522a_margintop3 indo-b48c4984_left\" style=\"color:var(--color-grey-60)\">By shrinking mortgage debt, you\u2019ll have more disposable income in the future. Photo: Getty<\/p>\n<p class=\"indo-ebe0ecc6_root indo-ebe0ecc6_paragraph indo-300db776_none indo-91174671_primary indo-1d70522a_marginbottom0 indo-1d70522a_margintop0 indo-b48c4984_inherit\" style=\"color:var(--color-primary-80)\">What would you do if you had a spare \u20ac10,000 lying around \u2013 thanks perhaps to a bonus at work, an inheritance, or from simply spending less than you earn each month? Would you splash out on a two-week family holiday to the Caribbean? Maybe upgrade the car?<\/p>\n<p class=\"indo-ebe0ecc6_root indo-ebe0ecc6_paragraph indo-300db776_none indo-91174671_primary indo-1d70522a_marginbottom0 indo-1d70522a_margintop0 indo-b48c4984_inherit\" style=\"color:var(--color-primary-80)\">For the more prudent amongst us, who dream of being mortgage- free sooner rather than later, wiping a chunk off their home loan would get first preference every time. And there are more of those people than you think.<\/p>\n","protected":false},"excerpt":{"rendered":"Knocking years off your mortgage is not always the most efficient use of your spare cash By shrinking&hellip;\n","protected":false},"author":2,"featured_media":359300,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5],"tags":[72,6188,61,3938,60,1558,8649,2987],"class_list":["post-359299","post","type-post","status-publish","format-standard","has-post-thumbnail","category-business","tag-business","tag-gabrielle-monaghan","tag-ie","tag-investments","tag-ireland","tag-pensions","tag-property-mortgages","tag-savings"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/359299","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/comments?post=359299"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/posts\/359299\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media\/359300"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/media?parent=359299"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/categories?post=359299"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/ie\/wp-json\/wp\/v2\/tags?post=359299"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}