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Season's greetings <<First Name>>!

With Christmas week upon us, I thought I might send a quick note to wish you and your families all the best for the season and to thank you sincerely for your support and more importantly your friendship throughout 2018.

Finance is a sensitive subject and at the best of times complex. My job is to demystify and simplify and help make you money and save it ! I will continue to do this job in 2019 and with your help continue the relationship that hopefully has been mutually beneficial.

I am just attaching a couple of items for your perusal - as you know for the last 4 years I have written every Thursday for the Irish Daily Star AND RTE's LifeStyle plus my 14th edition of Money Doctor 2019 is now available in all good bookstores but here's the New Year offer...

  • Book a one to one consultation with me during the first two months of 2019 and receive a complimentary signed copy of the 2019 book 

Have a great break and talk to you next year. Very best wishes JLo

January 2019 Debt Detox

According to the latest survey conducted by travel and leisure website,, getting out of debt is a top priority for many in 2019 with nearly 1 in 4 (24 per cent) choosing this as a top goal.

When asked about the main reasons for January Blues, worries about future financial instability (17 per cent) and post-Christmas debt (14 per cent) came second and third after post-festive weight gain (20 per cent).

Read more


The 14th edition of Ireland's number 1 finance annual is now available in all good bookstores like Easons, Dubray, Amazon & Hodges Figgis to mention but four. Published by Gill Books, the RRP is € 12.99. Read Joe Duffy's testimonial on the front cover and on the back Pat Kenny, Gay Byrne, Brendan O'Carroll and economist Jim Power ( who also writes an economic outlook for 2019 )
Copyright © 2018 Money Doctors, All rights reserved.

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