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Finance Minister Jack Chambers Oireachtas TV

As it happened: How today's big Budget 2025 giveaway played out

This is the Government’s final Budget before a general election takes place.

LAST UPDATE | 1 Oct 2024

The Journal / YouTube

Note for iPhones users: if this liveblog appears dark or is difficult to read, please update your app.

MINISTERS JACK CHAMBERS and Paschal Donohoe have finished their Budget announcements and the reaction is continuing to flow in from the opposition, NGOs and campaign groups. 

Jammed with one-off cost-of-living measures and tax cuts, the €2.2 billion package is the Government’s final Budget before a general election takes place.

Pearse Doherty, reacting to the Government speeches in the Dáil on behalf of Sinn Féin, said it was “not a giveaway Budget” but a “giving up on housing Budget”. 

 

Updates by Rónán Duffy, Jane Moore and Órla Ryan (earlier)

Our Political Correspondent Jane Matthews has been taking a look at how the day will play out.

Finance Minister Jack Chambers will deliver his inaugural Budget speech at 1pm in the Dáil, with Minister for Public Expenditure and Reform Paschal Donohoe set to outline public spending immediately afterwards at approximately 1.45pm.

The Dáil schedule is then cleared until 8pm to allow opposition TDs to respond to this year’s Budget.

Voting on the Budget will then begin at 8.30pm and is scheduled to last until midnight.

As is the tradition, much of the Budget is leaked in advance.

Parents will receive a double child benefit payment, and new parents will get a ‘baby boost’ payment totalling €420.

A reduction to the USC as well as increases to social welfare payments and the rent tax credit are also expected.

Our Political Editor Christina Finn has rounded up what we know so far about the cost-of-living measures and tax measures.

While leaking the Budget is par for the course now, it was deemed unacceptable in the past.

Phil Hogan, then-Junior Minister for Finance, had to resign in 1995 after he admitted to leaking details of the Budget.

It emerged that one of his advisers had faxed (kind of like emailing over a landline – look it up, kids) details to the media, causing uproar.

The Rainbow Coalition was in power at the time, comprising Fine Gael, Labour and the Democratic Left.

download Phil Hogan pictured during his resignation speech in the Dáil chamber in 1995. RTÉ Archives RTÉ Archives

In the weeks leading up to Budget 1996, opposition parties such as Fianna Fáil had been complaining that the coalition government had leaked more information than virtually any other administration.

More specifically, they said “sensitive market information” was being revealed to the media as a result of inter-party competition within the government.

In the end, Hogan resigned as junior finance minister on 9 February 1995 to avoid “damaging” the government.

Speaking in the Dáil chamber at the time, he said: “I am proud to belong to Fine Gael. A party with the highest ideals and values of honesty and integrity, whose members have always put the country rather than the individual first.

“To avoid any possibility of damaging a government led by Taoiseach John Bruton – a man of the utmost decency and understanding qualities – I have tendered my resignation from government and it has been accepted. The decision to resign is entirely my own.”

More details are emerging about health spending.

It’s understood that the sector will get almost €3 billion extra in Budget 2025.

The total health budget is expected to be a record €25.76 billion, representing an increase of €2.94 billion on the January 2024 allocation of €22.82 billion.

The following increases in spending are set to be announced: 

  • Acute hospitals budget up 22% to €9.8 billion
  • National Ambulance Service budget up 13% to €280 million
  • Palliative care budget up 13% to €179 million
  • Mental health budget up 10% to a record €1.48 billion
  • Older persons services budget up 17% to €1.73 billion

Today is Jack Chambers’ first (and possibly last) Budget as Finance Minister.

As we wait for his announcement at 1pm, let’s take a trip down memory lane with some photos of Finance Ministers of the past on previous Budget days. 

6 File Photo Previous Budget Days_90713820 Charlie McCreevy (Fianna Fáil) pictured on his way into Leinster House to deliver the Budget in 1997 © RollingNews.ie © RollingNews.ie

14102008-budget-day-2009 Brian Lenihan Jnr (Fianna Fáil) pictured with a copy of Budget 2009 © RollingNews.ie © RollingNews.ie

5122012-budget-day Michael Noonan (Fine Gael) pictured in 2012 with a copy of Budget 2013 © RollingNews.ie © RollingNews.ie

Will you watch the Budget 2025 announcement?

Let us know in our poll.

It’s a fairly mixed bag so far.

budget poll The Journal The Journal

Here is the latest on what students are expected to get in Budget 2025:

Health Minister Stephen Donnelly is set to announce an expansion to the free IVF scheme to allow couples who already have a child to access treatment.

It will reverse one element of the scheme’s current criteria which requires that a couple accessing publicly funded IVF must have no living children together.

There are plans to expand the scheme in two areas next year. The first of these will allow couples requiring donor assistance to access the scheme during 2025.

People over the age of 70 will be able to bring another person on public transport free-of-charge under plans spearheaded by Social Protection Minister Heather Humphreys.

The measure, known as the ‘universal companion pass‘, will benefit tens of thousands of older people.

It is understood that Humphreys pushed for the measure in a bid to tackle isolation among older people.

budget op ed The Journal The Journal

“There is certainly lots of money to go round,” financial advisor Ralph Benson writes in this op-ed breaking down what is expected to be announced this afternoon.

“Tax receipts this year are up a whopping 12.6% on last year, and interest rates are falling.

So everyone will likely see a bit of upside in the announcements.

“But – with one exception, as we’ll see – there is little obvious appetite in the government for real financial reform of the hard problems in Irish society right now, such as lack of accommodation, transport infrastructure, controlling runaway costs on capital projects, public sector costs and efficiency, or dealing with our changing demographics and ageing population profile.”

With less than half an hour to go before the big announcement, Finance Minister Jack Chambers thanks the staff who worked “through the night” to print the Budget documents. 

Here they are now. 

Finance Minister Jack Chambers and Public Expenditure Minister Paschal Donohoe presenting the Budget at Government Buildings a few moments ago.

904Budget Day 2025_90713851 RollingNews.ie RollingNews.ie

Jack Chambers is now on his feet in the Dáil chamber.

JACK 2 Finance Minister Jack Chambers Oireachtas TV Oireachtas TV

He says he believes Budget 2025 “puts in place the policies and the measures” that will continue Ireland’s “positive trajectory” and “ensure that all our people see a promising and hopeful future in this country”.

“Today’s budget is my first and is also a unique in the opportunity it presents to plan, transform and deliver for the future.

“And that future is not just about next month, next year or the next decade. It is about ensuring that the children born today in Ireland and every day from here on can live prosperous and fulfill lives.”

Chambers says the economy is in good shape. He says the rate of inflation has been at or below 2% since March, which he says comes as “a welcome relief to households throughout the country”.

However, he says he’s aware that many are still struggling with high prices.

Chambers says Ireland in operating in a global environment where competition for attracting foreign investment is intensifying.

“Maintaining our competitiveness and having the means to improve it is vital to maintaining employment in all sectors of our economy, no matter where those jobs are located.”

He adds: “We know that our public finances are heavily reliant on corporation tax.”

Chambers says a further €1.25bn will be made available to the Land Development Agency, bringing the total amount of funding to the LDA to €6.25bn.

“The LDA will be tasked with deploying this capital in a way that can continue to drive the delivery of social and affordable homes.”

€1 billion will be provided to Irish Water for non-domestic capital investment, Chambers says.

As of 1 January 2025, the national minimum wage will increase by 80 cent to €13.50 per hour.

Tax measures

A personal income tax package of €1.6bn has been confirmed.

The rate of Universal Social Charge (USC) has been reduced from 4% to 3%.

The standard rate income tax cut-off point has increased to €44,000 from €42,000.

The Personal, Employee and Earned Income Credits will increase by €125.

The entry threshold to the new 3% USC rate is being increased by €1,622 to €27,382, in line with the increase to the national minimum wage.

“This means that a full-time worker on the minimum wage will see an increase in their net take home pay of approximately €1,424 on an annual basis,” Chambers says.

“As a result of the cumulative increases to the main tax credits, a single person earning €20,000 or less in 2025 will now be outside of the income tax net,” he adds.

Carers

The following credits are being increased:

  • The Home Carer Tax Credit by €150
  • The Single Person Child Carer Credit by €150
  • The Incapacitated Child Tax Credit by €300
  • The Dependent Relative Tax Credit by €60
  • The Blind Tax Credit will be increased by €300

Employers will be able to give staff bonuses worth up to €1,500.

These benefits must not be in cash.

It’s an increase in the limit from €1,000 in last year’s Budget.

Inheritance

The Capital Acquisitions Thresholds, which apply to gifts and inheritances, will increase by the following amounts:

  • Group A – rising from €335,000 to €400,000
  • Group B – rising from €32,500 to €40,000
  • Group C – rising from €16,250 to €20,000
Rent and housing

The rental tax credit will increase from €750 to €1,000.

A couple in rented accommodation could claim €2,000 from Revenue.

The Help-to-Buy scheme will be extended until the end of 2029.

The Government is also extending the relief for pre-letting expenses for landlords until the end of 2027.

Electricity

The 9% reduced VAT rate for gas and electricity will be extended until 30 April 2025.

The mortgage interest relief payment will be extended for another year.

The VAT registration thresholds for the supply of goods and services will be increased.

The registration thresholds will rise from €80,000 to €85,000 and €40,000 to €42,500 respectively.

From 2025, landowners will be able to avail for an exemption of Residential Zoned Land Tax if they wish for their land to be rezoned to reflect the activity they carry out on their land.

The Government will increase the price of a pack of cigarettes by a euro from midnight tonight.

It will bring the price of a 20-pack of cigarettes to €18.05. The excise duty hike is twice the usual increase of 50c.

A tax on e-cigarettes will also be introduced, from the middle of next year.

The threshold for when inheritance tax must be paid will increase from €335,000 to €400,000 for children who inherit from their parents.

Read more on that here.

Tax measures

The standard cut-off point for income tax in Ireland is being increased by €2,000.

This means workers will only pay the higher rate of 40% tax on income over €44,000.

Proportionate increases have been announced for married couples.

Chambers also confirmed that USC will be cut from 4% to 3%. 

Read more on those changes here

The rent tax credit is set to increase to €1,000 per person next year.

In another boost for renters, the €250 increase has also been back-dated for 2024 so that people can claim €1,000 for this year.

Housing

The higher rate of stamp duty on bulk acquisitions of houses will increase from 10% to 15% with immediate effect.

The rate of stamp duty applicable to residential property valued above €1.5 million will increase to 6% with effect from midnight tonight.

The existing rate of 1% will continue to apply to properties valued up to €1 million, and 2% will apply on values over €1 million, with a third rate of 6% to apply to any property valued in excess of €1.5 million.

The rate of the Vacant Homes Tax is being increased from five to seven times the property’s existing base Local Property Tax rate.

The Motor Insurers Insolvency Compensation Fund levy will be reduced from 1% to 0% from 1 January 2025.

The rate per tonne of carbon dioxide emitted by petrol and diesel vehicles will increase from €56 to €63.50 from next Wednesday, 9 October.

There will be no tax relief for gym membership. However, Chambers says his officials will work on this with a view to making a proposal in advance of Budget 2026. 

Charities will no longer have to be established for at least two years before they can access the Charities Donations Tax Scheme.

VAT on the installation of heat pumps will be reduced to 9%, down from 23%, in line with the Government’s National Retrofit Plan.

pd2

Public Expenditure Minister Paschal Donohoe is now speaking.

He tells the Dáil that, since 2020, Ireland has faced unprecedented challenges including the Covid-19 pandemic, the war in Ukraine, and spiralling inflation.

As set out in the Summer Economic Statement, Budget 2025 sees expenditure of €154.4 billion, an increase of 6.9% on last year.

Social Protection payments

Donohoe has confirmed a Social Protection package worth almost €2 billion. 

  • Weekly Social Protection payments will increase by €12
  • The Carer’s Allowance Means Test disregard is being increased to €625 for a single person and €1,250 for a couple
  • The Domiciliary Care Allowance is being increased by €20
  • The Carer’s Support Grant is being increased by €150 to €2,000 
  • Maternity, paternity, adoptive and parents’ payments are being increased by €15 each
  • The weekly rates of the Increased for a Qualified Child are going up by €4 for under 12s and by €8 for over 12s
  • Parents of newborns will receive a ‘baby boost’ payment of €420 

The hot meal programme will be extended to all primary schools in 2025. 

Two double child benefit payments will be given to parents before Christmas, worth €280 per child.

The so-called ‘baby boost’ payment will grant a triple child benefit payment to new parents.

From next year, new parents will receive a one-off €420 payment as well as increases to maternity and paternity leave benefits.

Read more on these increases here.

The Government has rejected calls from the hospitality sector to reduce the VAT rate to 9%.

VAT for the tourism and hospitality sectors was reduced to 9% during the Covid-19 pandemic at a cost of €1.2bn to the exchequer.

The previous 13.5% rate was reinstated last August, despite the sector’s opposition.

The Vintners’ Federation of Ireland said it is “gravely concerned” that there is no reduction in the VAT and that measures announced today “fall disastrously short of what is needed to protect a sector on the brink”.

Childcare

Funding for the National Childcare Scheme will rise by 44% which will result in a reduction in full-time childcare costs by €1,100, Donohoe says.

He also confirmed the following:

  • two double payments of Child Benefit will be made to all qualifying households in November and December, there will also be a double payment of the Foster Care Allowance
  • A €400 lump sum payment will be made to recipients of the Working Family Payment later this year, plus a lump sum payment of €100 per child to recipients of Qualified Child Increase payments
  • €8.3 billion to the Department of Children, Equality, Disability, Integration and Youth, with investment in early learning and childcare increasing to nearly €1.4 billion
  • Tusla’s budget will rise to €1.2 billion
Health

Additional funding of €2.7bn will be given to the health sector over two years, bringing the total health allocation to €25.76bn, Donohoe confirms.

He says there will be an increase in the number of people working in the sector, and 495 new beds will be introduced across hospital and community services.

There will also be 600,000 additional home support hours and continued support for women’s health measures, including increased access to IVF and Hormone Replacement Therapy.

Housing

The Department of Housing is being allocated €7.8 billion, including the following: 

  • Over €2bn to deliver 10,000 new-build social homes
  • €680m for affordable housing schemes, to support the delivery of 6,400 affordable homes in 2025
  • €186m to support regeneration of towns and urban areas
  • €100m for grants to adapt the homes of older people or people with a disability
  • €90m allocated to retrofit around 500 social homes
  • €23m to deliver Traveller community-specific accommodation
Climate change

More than €3 billion is being set aside between 2026 and 2030 to invest in climate transition, Donohoe says.

This will be used to support designated environmental projects that could assist with reducing emissions, or improving air quality or biodiversity.

Donohoe says that €472 million will be provided to the Department of Rural and Community Development to “revitalise” rural Ireland.

Over €2 billion has been allocated for the Department of Agriculture in 2025.

Budget Calculator

Wondering how Budget 2025 will affect your take-home pay?

Find out via our Budget Calculator.

Enterprise

Over €1bn will be invested in the Department of Enterprise, Trade and Employment’s Jobs and Enterprise Development, Innovation and Commercialisation and Regulation Programmes in 2025, Donohoe says.

A €1.5bn package (up to 2030) has been announced for the National Training Fund.

This will include an increase in core funding to Higher Education by €150m per year as well as support for additional healthcare and veterinary places, and an increase in certain PhD stipends.

Transport

Funding of €3.9bn was been allocated for the Department of Transport, comprising €1bn in current funding and €2.9bn in capital funding.

“This will deliver more capacity on public transport routes we have,” Donohoe says, including further investment in cycling and walking infrastructure.

The young adult travel card (for 19 to 25-year-olds) and the 90-minute fare will both be extended.

Free public transport will be extended to children aged five to eight.

Justice

“This Government is committed to building stronger, safer communities, and, with this in mind, I am announcing a package of over €3.9 billion euro for the Justice sector,” Donohoe says.

He said this allocation will allow for the following:

  • a significant increase in funding for the Irish Prisons Service, with recruitment of up to 350 additional staff and investment in areas such as prisoner care and rehabilitation
  • recruitment of a further 1,000 gardaí and up to 150 garda civilian staff
  • a significant expansion in the international protection processing system, this includes 400 additional staff 
  • an additional €7 million for organisations providing supports to victims of domestic and gender-based sexual violence
Defence

Donohoe also announced the following:

  • the recruitment, training and support of a net increase of 400 Defence Force Members in 2025
  • investment in measures such as enhanced advertising for recruitment, equipment maintenance and “new and improved” Defence Forces’ uniforms
Health

Here are some more details on the health funding confirmed today: 

  • the introduction of 495 new beds to the health service across hospital and community services, bringing the total number of beds to over 18,000
  • 600,000 additional home support hours
  • continued support for women’s health measures, including increased access to IVF and Hormone Replacement Therapy free of charge

Donohoe added that funding provided in Budget 2025 will enable enhanced provision of services including:

  • youth mental health services
  • counselling for the Traveller community
  • suicide bereavement counselling
  • Cyber Safe Kids initiative
  • additional children and adolescent mental health services

There were a few items detailed in the Minister for Finance’s Budget speech aimed at incentivising uptake of electric vehicles, particularly among firms with commercial fleets, writes Assistant News Editor Valerie Flynn.

It comes as new figures from the car industry published today showed electric vehicle sales slumped almost a third year on year in September.

So far this year, just over 16,000 new electric cars have been registered in Ireland – that’s down from almost 22,000 in the same period of 2023.

That direction of travel is bad news for the government, which wants 30% of passenger cars to be electric by 2030 to help us meet our climate targets, as well as getting 95,000 commercial electric vehicles on the road and 20% electric lorries.

So what’s in the budget to help turn it around?

Benefit in kind (BIK) reliefs for electric vehicles will remain in place, while an exemption from BIK tax for installing an electric vehicle charger at a worker’s home has been introduced. This is likely to be welcome news for the car industry.

Measures were also announced to incentivise uptake of lower CO2 vans (through a new emissions-based vehicle registration tax regime) and of electric company cars (through changes to vehicle capital allowances).

Minister for Finance Jack Chambers said he hopes this last measure, which will kick in in 2027, will boost the second-hand electric car market.

An amendment to vehicle registration tax (VRT) rules is aimed at ensuring electric commercial vehicles can qualify for the €200 rate.

Sinn Féin labels Budget as 'spin'

pearse Sinn Féin's Finance Spokesperson Pearse Doherty Oireachtas TV Oireachtas TV

Sinn Féin’s Finance Spokesperson Pearse Doherty has dismissed the Budget as “spin”, labelling the Government “serial wasters” who treat the public with “contempt”.

Donohoe says Budget 2025 will do little help the “deepening housing crisis”, people on waiting lists for health services, and autistic children who can’t get school places.

People see through the spin. People hear about the millions and the billions, but they don’t feel better off.

“For most people, it’s about what they have at the end of the week, when the bills are paid. ‘Is there anything left?’ is the question they ask, and the answer for far too many is no.

“Workers and families can’t afford another five years of Fianna Fáil and Fine Gael. And it is in that context that this Budget will be judged, how your parties will be judged also at election time.”

Doherty also said that homeownership has “collapsed under Fine Gael for young people”. 

“There are 100,000 less people under the age of 40 that own their own home today than when Fine Gael came into government 14 years ago.”

He said it was “not a giveaway Budget” but a “giving up on housing Budget”. 

IPO staff and Ukraine

Funding for an additional 400 staff has been allocated in the Budget to the International Protection Office.

Making the announcement this afternoon, Minister for Public Expenditure Paschal Donohoe said there would be a “significant expansion in the international protection processing system”.

Read more on that here.

Donohoe also announced that €2.1 billion will be provided to support accommodation for “those fleeing Russia’s illegal war in Ukraine and to those seeking International Protection”.

“In addition to the core funding for rural and community development for 2025, I am providing €13 million to help integrate arrivals from Ukraine into local communities,” the minister added.

Something for everyone in the audience? Here are key points from Budget 2025.

Thanks for staying with us so far today. I’m going to hand over the liveblog to my colleague Jane Moore who will keep you updated this afternoon.

Hello! Jane Moore here. Thanks for sticking with us so far.

I’ll be bringing you all the latest on Budget 2025 for the afternoon. 

First things first – if you’re wondering how the announced changes will impact you, you can use our handy calculator to find out. 

Social Protection Minister Heather Humphreys has announced that the auto-enrollment pension scheme will begin from 30 September 2025. 

All employees who are not already in an occupational pension scheme, and are aged between 23 and 60 and earning over €20,000 across all of their employments, will be automatically enrolled.

It had initially been flagged for January 2025. When asked by The Journal why it is now being introduced in September 2025, Humphreys said there is ”a lot of work to be done between now and then to get it all up and running”. 

“We’re giving businesses a year median time, because there have been concerns about further expense on business,” she added. 

When asked whether every parent in Ireland needs the double Child Benefit payment, the Minister said that anyone who does not need it can give it back.

She said rearing children “is expensive” and that the payment was “very well received last year”. 

“You might think that people don’t need it. Well if they don’t need it, they can give it back,” Humphreys said.

There is plenty of reaction coming in to the measures announced in Budget 2025. 

SIPTU General Secretary Joe Cunningham has deemed it “fiscally irresponsible”, saying it  constitutes a return to the type of pre-crash giveaway budgets.

“Cutting taxes, increasing spending and balancing the books with transitory and unreliable corporate tax receipts is a recipe for long-term instability in our public finances.”

According to Cunningham, the measures will hollow out Ireland’s tax base at a time of slowing growth, while the tax cuts will mean larger tax increases in the future as growth slows to 1% per capita in the years ahead.

“The reliance on temporary cost-of-living measures is cynical and only postpones the fall in living standards when these supports are withdrawn in the future,” he said.

This is a ‘buy the election’ budget that leaves the next government to clean up the mess.

He said that “throwing money into an economy at nearly full capacity” can drive up prices.

“House prices are likely to rise even more with the continuation of demand-led subsidies such as Help-to-Buy. Ireland has one of the highest living costs in Europe. This budget will only make this situation worse,” Cunningham continued.

“At a time of rising poverty, with nearly a quarter of a million children living in deprivation, the cuts in inheritance tax are particularly disgraceful. This tax cut makes a mockery of equality.”

Cunningham said that while the Government is right to use once-off revenue to address our housing infrastructural deficits, spending more money without resolving the labour shortages in the construction sector can potentially bid up costs.

“We could end up with illusory targets and higher prices.”

The Irish Congress of Trade Unions has agreed with SIPTU, calling the Budget “fiscally irresponsible”. 

“We are using potentially transitory corporation tax receipts to fuel a pre-election giveaway,” the ICTU said.

“This decision risks pushing higher taxes onto younger and future workers and it simultaneously undermines our capacity to improve public services in the future. It is a return to reckless pre-crash budgetary strategies.”

The organisation welcomed the 80c increase in the minimum wage, saying the Government “must stick to its commitment to raise the minimum wage to 60% of hourly median wages by January 2026″.

It said that what workers ultimately need is collective bargaining, as promoted by the EU Adequate Minimum Wages Directive.

“That, along with expanded public services, is what will really help workers in the long run,” it added. 

The ICTU claimed the biggest winners from the tax changes “will be the very wealthiest families benefiting from inheritance tax cuts, as well as those on higher incomes that stand to benefit from all of the changes to personal taxes”.

“The relative losers are those without wealth and workers on lower incomes.”

ICTU General Secretary Owen Reidy said Budget 2025 will be remembered as a lost opportunity “when we failed to properly grapple the crises in childcare, housing and numerous other areas”.

Thanks for staying with our coverage so far today. 

I’m going to hand the liveblog over to my colleague Rónán Duffy, who will bring you all the latest updates for the rest of the day. 

Responding to criticism that there’s not much in the Budget for single people, Minister for Public Expenditure Paschal Donohoe tells The Journal: 

“The rent tax credit is going up to help those with the cost of renting and if they’re working they’re going to benefit from the changes we’re making in general taxation. If you’re a single person on the average wage in this country, we’re getting closer and closer to the point where you’re no longer paying the higher rate of tax.”

Business group Chambers Ireland has “cautiously welcomed” the Budget but “urged the government to focus on delivery.”

The group said the focus on “essential infrastructure” is appropriate but said that it will “will only have an impact when it is delivered”. 

Ibec has similar thoughts, saying that investment in capital and skills “is the most material element of the Budget for business”.

Ibec has also expressed relief that the 80c increase of minimum wage to €13.50 is less than the €1.40 increase last year.

shutterstock_2186189311 Some measures have already kicked in or were extended during yesterday's announcement. Shutterstock Shutterstock

If you want to know exactly how much the income tax changes affect your take-home pay, our handy Budget calculator should sort you out. 

But we’ve taken the liberty of taking a look at what it means for people earning €20,000, €40,000, €60,000 and €100,000

In short, people who earn more money will benefit to a greater degree. 

If you earn €100,000, you’ll be paying  €1,109 less in tax, whereas if you’re on €20,000 you’ll be paying €250 less in tax. 

The government announced today that the Rent Tax Credit will increase to €1,000 per person next year, and that the new amount has been backdated so that people can also claim an additional €250 for this year.

The credit will be applied for in the same way people apply for other tax credits, i.e. through Revenue, but we’ve put together a guide here about how to claim it

Finance Minister Jack Chambers responds to criticism that those on the sharpest edge of the housing crisis have been forgotten about in the Budget. 

“Extending the Help To Buy scheme to 2029, I think it’ll add to the 50,000 people who’ve benefited from it to this point, to give them certainty as they’re saving for the future. But the key focus for me, from a housing perspective, was actually around what we’re doing with the Land Development Agency. An additional €1.25 billion will help drive more social affordable housing for those where buying a home may be out of reach. And then secondly, to support renters, an uplift in the tax credit for this year, a further uplift next year, provides direct support for renters who I know are feeling the pressure with high rents in our economy.”

Time for an election?

With all this largesse being spread around, is it a signal that an election is imminent?

Finance Minister Jack Chambers insisted the government had a “job of work to do” and his focus was now on advancing the Finance Bill through the Dail.

“I’m committed to serving in office,” he said.

“As the Taoiseach and others have set out, we still have a job of work to do. I have to try and advance the Finance Bill. We’ve the Planning and Development Bill and other important pieces of legislation that we’re keen to advance.”

Asked about the prospect of an autumn election, Minister for Public Expenditure Paschal Donohoe told the PA news agency: “The government still has plenty of work to do. We’ve just literally only announced the budget.

“We now have to do all the legislation to underpin all the spending for next year and Minister Chambers has to do the Finance Bill, which always takes time to do.

“So it’s up to the Taoiseach (and) the party leaders to discuss the timing of the next election. We’ve plenty to do now in the coming weeks and months.”

Don't need the bonus child benefit payments? You can always just give them back, minister says

There’s been some debate about whether the bumper child benefit payments should be paid to everyone regardless of means. 

The government confirmed today that two double child benefit payments will be paid before the end of the year, one in November and one in December. 

This is unprecedented in that it’s usually just one bonus payment, often referred to as the ‘Christmas bonus’. 

But should wealthy parents benefit to the same degree as less well off? 

“You might think a lot of people don’t need it, well, if they don’t need it they can give it back,” Minister Heather Humphreys said this evening

With that, I think it’s time to call an end to today’s liveblog. 

Thank you for joining us today for today’s giveaway, sorry Budget.  

We’ll have plenty of reaction and analysis coming up over the coming hours and days so stay tuned and if you have any particular topics or angles you’d like us to take a look at please email: news@thejournal.ie . 

All the best. 

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    Mute Tommy Roche
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    Oct 1st 2024, 12:28 PM

    Can’t believe they are once again going to reward people for not working. Absolute redesign of unemployment payments are needed. Payable for a maximum of 1 month in a 12 month period. In a time of full employment, long-term jobseekers allowances should be abolished.

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    Mute Sergej Simonov
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    Oct 1st 2024, 1:01 PM

    @Tommy Roche: how on earth do you expect travellers to ever work?!!!! How do you expect numerous drug gangs members to work?! How do you expect carrier single mothers to work?! How do you expect people with hundreds criminal convictions to work?!

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    Mute Sergej Simonov
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    Oct 1st 2024, 1:41 PM

    @Tommy Roche: Again how do you expect crowd people seat 24/7 outside former Crown Paints in Coolock, commit arsons, criminal damage, acts of intimidation and blocking traffic for people coming from work… without increasing their job seekers allowance?!!! Don’t be so cruel!

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    Mute CP
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    Oct 1st 2024, 1:45 PM

    @Sergej Simonov: drug gang members/ people with 100s of convictions , that’s a life choice that can be changed, not easily but it’s no excuse for not being able to work. Being a traveller doesn’t mean you can’t work either,

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    Mute Alan
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    Oct 1st 2024, 1:47 PM

    @Tommy Roche: Yes let’s prosecute the minority for the fee that don’t work. Typical right wing conservative sound bite. You’d love a bit of austerity wouldn’t you Tommy. We’re not at full employment, some of those figures are slave Labour CE and TUS schemes where the client has absolutely ZERO prospects of getting a job. We need to clamp down hard on tax avoidance from multinationals. Only difference between a scrote living in Blackrock and a scrote in living in Rossfield in Tallaght is the type of clothes they wear. We all remember the crash and the white collar gangsters who got away with it. Every single year it’s people like you who come out with their right wing agenda

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    Mute Jason Memail
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    Oct 1st 2024, 1:53 PM

    @Alan: I think you’ll find the scrote uniform of choice is pretty consistent no matter what town or village they’re from. Canada Goose jacket, North Face tracksuit and some type of electric bike/scooter tells you all you need to know from a mile off.

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    Mute Kevin Kerr
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    Oct 1st 2024, 2:04 PM

    @CP: he’s being facetious- ignore him

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    Mute Tommy Roche
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    Oct 1st 2024, 2:44 PM

    @Alan: Right wing agenda…lol. Imagine being a taxpayer who’s sick of supporting my neighbour up the road, who’s never paid a cent income tax in his life, was bragging only last week about getting a lump sum fuel payment of over €450 and is at this moment spending it in a Dortmund pub !! He, and thousands of others like him don’t have zero prospects of getting a job. They don’t WANT a job. At the current time, anyone seeking employment should have no trouble finding a job. One huge issue is those deemed within SW as ‘unemployable’. Change the payment name to Unemployable Allowance and maybe the stigma would make them rethink their life choices.

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    Mute Shane O Mac
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    Oct 1st 2024, 2:57 PM

    @Sergej Simonov: stop making excuses

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    Mute Gearoid MacEachaidh
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    Oct 1st 2024, 4:20 PM

    @Shane O Mac: the thing is they’re not “excuses”, they’re facts. Would you employ any of the people he mentioned? I wouldn’t. Would pay for a fancy meal being served by Anto with multiple convictions, reeking of weed greeting you with a stooorrrry bud? What jobs should they do? And would you be willing to make someone else unemployed to facilitate them? The fact is if you stop their pay they will get their money by illegal means, you could be their victim. I’m all for stopping double payments and Christmas bonuses for long-term unemployed but in the real world you can’t cut them off.

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    Mute Mr “JonnieBoy” Johnson
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    Oct 1st 2024, 4:35 PM

    @Gearoid MacEachaidh: so pay them not to commit crime, you’re funny.

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    Mute Alan
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    Oct 1st 2024, 5:19 PM

    @Tommy Roche: Very small minority of people that engage in that behaviour. Should we tell John Doe up the road with an intellectual disability to get of his hxxle to and get a job. It is right wing stigmatising, label anyone who hasn’t worked a day In their life as lazy, not bothering to work, maybe turn your attention to the white collar capitalist elite who sold their souls to the IMF and in turn the Irish government at the time absolutely destroyed the economy with massive tax hikes, massive austerity measures, unprecedented reduction of government spending. You might not have being affected but 1000s did and are still suffering. Capitalism is greed. What we need is a social democratic system of socialism. So please get off your high horse

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    Mute Gearoid MacEachaidh
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    Oct 1st 2024, 5:35 PM

    @Mr “JonnieBoy” Johnson: thanks for the compliment but I’m not trying to be funny, I’m being factual. You live in this imaginary world where you can cut people off from any source of state help and suddenly they will see the error of their ways and generations of poor role models will count for nothing and Anto will don a 3 piece suit, a D4 accent and start selling mortgages for AIB. I live in the real world where giving people state help keeps them from costing the tax payers more in other ways. Every country on the planet has a portion of their population who unemployable. We’re not North Korea were they’re allowed to die of hunger. Even the USA has a welfare system.

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    Mute S Suilleabhain
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    Oct 2nd 2024, 5:26 PM

    @Sergej Simonov: I met a big group of coloock protesters during the summer a lot of mothers and nearly all of them in employment. Troll

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    Mute Dominic Leleu
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    Oct 1st 2024, 10:27 AM

    @Paul Gorry: watch the smile on pascal face. That grin always show the contempt for the working class people. The biggest the smile the more we will get fecked. I remember how ecstatic he was to present the 5 euros increase a week for pension.
    watch that smile

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    Mute Daniel Skelton
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    Oct 1st 2024, 10:48 AM

    As usual, nothing ever for the working man. Except some pathetic 1% USC cut.

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    Mute Alex
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    Oct 1st 2024, 11:20 AM

    @Daniel Skelton: Better than no cut but could be way better than 1% indeed.

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    Mute Pat Hazzard
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    Oct 1st 2024, 11:26 AM

    @Daniel Skelton: wrong, working person will be better off by over 1000, those with children even more so

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    Mute Jack Cass
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    Oct 1st 2024, 11:34 AM

    @Pat Hazzard: and the working person will also be worse off by 1000 euro’s because of levy’s etc; typical Leprechaun economics.

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    Mute Pat Barry
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    Oct 1st 2024, 12:33 PM

    @Pat Hazzard: Here, have a read of this from the Independent, and how any benefits we get in the budget will be negated for the most part by taxes and levies. The only one I actually agree with is what is being proposed for vapes and cigarettes, after all, it took me long enough to give them up, but the rest of the increases are going to hit families that are already hard pressed to make ends meet as it is.

    https://m.independent.ie/irish-news/never-mind-budget-giveaways-here-are-five-hits-to-peoples-finances-also-being-delivered-today/a500170312.html

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    Mute Dermot Blaine
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    Oct 1st 2024, 1:24 PM

    @Jack Cass: the levys add up to about 200 pa

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    Mute paul dutton
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    Oct 1st 2024, 1:32 PM

    @Pat Hazzard: yes divide that 1000 by 12, then divide that by 4, its less than 20 euros so no were are not better off, being on the dole is better off. The working man always gets shafted

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    Mute M To The B
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    Oct 1st 2024, 2:09 PM

    @paul dutton: wait until you see what happens in the UK. Things could be worse

    11
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    Mute Alan
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    Oct 1st 2024, 5:21 PM

    @Daniel Skelton: the majority of the WORKING man is doing other jobs and cash in hand. So stop making up excuses

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    Mute Sean Parker
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    Oct 1st 2024, 5:32 PM

    @paul dutton: or just divide by 52. Unless you’re living in a 48 week year.

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    Mute Eileen Kelly
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    Oct 1st 2024, 11:48 AM

    The budget will not deliver anything to one section of society, the pensioners affected by the 2012 legislation which denied them a pension if they did not have 520 credits. People who took the time out to raise families, look after elderly, infirm and incapacitated relatives in a time when there was no carers allowance or childcare provision. The only thing they are entitled to this week is a free flu shot.

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    Mute 087 bed
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    Oct 1st 2024, 12:26 PM

    I predict a huge nothing burger from paschal the globalist for those of us that work, scrap carbon taxes and save the people.

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    Mute Jason Memail
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    Oct 1st 2024, 1:56 PM

    @087 bed: Pachal isn’t actually the minister for Finance, but glad to see your consistency with just the one type of tax that you have an issue with.

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    Mute Martin Bishop
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    Oct 1st 2024, 3:04 PM

    @087 bed: I work, I’m benefitting so is my other half.

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    Mute S Suilleabhain
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    Oct 2nd 2024, 5:24 PM

    @Jason Memail: well he did an enormous amount of damage to the country in past budgets as minister for finance, so. This is what they really on our wonderful Fg, Irish who have amnesia

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    Mute S Suilleabhain
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    Oct 2nd 2024, 5:30 PM

    @Jason Memail: Donohue is a piece of work, he sent me a vicious email once upon a time after i addressed his intimidation and propaganda when the chamber was talking marijuana use. He’s a belligerent Tory who did a lot of harm when given the finance role.

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    Mute kevin rock
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    Oct 1st 2024, 12:35 PM

    I always seem to fall into the category that literally gets noting back !
    Hashtag: sick of it !

    105
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    Mute Kevin Kerr
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    Oct 1st 2024, 4:29 PM

    @kevin rock: are you between a rock and a hard place?

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    Mute RIP
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    Oct 1st 2024, 10:28 AM

    Opportunity to tackle the
    HOUSING CRISIS

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    Mute Mick Joe
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    Oct 1st 2024, 10:42 AM

    @RIP: Whilst simultaneously tackling net immigration

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    Mute Dermot Blaine
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    Oct 1st 2024, 1:24 PM

    @Mick Joe: we’ll need immigrants to build the houses

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    Mute Mick Joe
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    Oct 1st 2024, 2:12 PM

    @Dermot Blaine: They’re one of the primary reasons we have a housing crisis.

    52
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    Mute James Smith
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    Oct 1st 2024, 3:21 PM

    @Dermot Blaine: please explain. The import of cheap foreign labour has resulted in the exodus of Irish high skilled workers that we’re building 70,000 houses per year 15 years ago . The rates of pay have only increased slightly from the crash, hence now we have a very large shortage of plumbers, electricians, bricklayers, carpenters etc. There isn’t the capacity to build more homes, hence the government trying to entice Irish skilled construction workers back, which has failed miserably.

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    Mute Charles Mc Carthy
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    Oct 1st 2024, 3:51 PM

    @Dermot Blaine: So they are no longer Doctors and Dentists but in actual fact plumbers, and brickies?
    Hard to keep up these days.

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    Mute Niall Murphy
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    Oct 1st 2024, 1:46 PM

    The USC should be gone completely at this stage.

    Considering the money available now to this government, the budget is falling short of what could comfortably be delivered.

    There’s a little being offered but there could and should be a lot more.

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    Mute Mr “JonnieBoy” Johnson
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    Oct 1st 2024, 1:07 PM

    A government that has no excuses relating to lack of money ,yet absolutely no creativity or inventiveness to serve the citizens of the country. God love us all when the economy takes a turn, the government will feed us to the wolves.

    59
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    Mute sakk sa
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    Oct 1st 2024, 11:30 AM

    Pribe the voters
    Win …..
    Collapse
    Repeat …..

    56
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    Mute John Flanagan
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    Oct 1st 2024, 11:57 AM

    Can some one clarify please. What a out a single pension with no children. Just on there own. What will the budget do for them. Besides extra 12 € a week. Do they not get any double payment except x ma’s

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    Mute Pat Hazzard
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    Oct 1st 2024, 1:14 PM

    @John Flanagan: increase in pension, increase in fuel allowance, increase in living alone allowance, double pension payment

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    Mute Meh Meh
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    Oct 1st 2024, 4:16 PM

    @John Flanagan: You get a double payment if you can prove you can use the correct version of there, their or they’re.

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    Mute Terry Molloy
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    Oct 1st 2024, 2:12 PM

    National children hosp, security hut, bike shed, millions to IPAS business…just think while they give away money coming up to an election!

    45
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    Mute Fergus O'Donnell
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    Oct 1st 2024, 1:59 PM

    Buying votes.
    Nothing done to alleviate housing, in fact the very opposite.
    Failure from FFG as usual.

    46
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    Mute hans vos
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    Oct 1st 2024, 1:47 PM

    Give away budget before elections. But realise they give back our own payed tax money but pretend that it’s theirs.

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    Mute Eoin Jackson
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    Oct 1st 2024, 2:02 PM

    @hans vos: this isn’t a giveaway budget. Majority of people getting little to sweet FA from this budget. Give away budget my hole.

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    Mute thomas molloy
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    Oct 1st 2024, 4:05 PM

    @hans vos: SF supporters must be very confused as the government has stole their thunder and even outdid them.

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    Mute Gearoid MacEachaidh
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    Oct 1st 2024, 4:31 PM

    @hans vos: they’re giving away less than in previous years. Was the last 3 budgets to get votes too? Answer is yes. That’s literally the whole point

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    Mute Tricia G28
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    Oct 1st 2024, 4:39 PM

    @hans vos: “but pretend that it’s theirs”? Eh, how is it you think societies are funded? Everyone KNOWS it’s by the tax take, be it Corporate, VAT, Income etc.

    So, no, no one, including those is Govt is pretending it’s anything other then the Tax take being distributed.

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    Mute hans vos
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    Oct 1st 2024, 4:46 PM

    @thomas molloy: it’s not the first time that they have a budget before elections and than go back on their words after.

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    Mute hans vos
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    Oct 1st 2024, 6:11 PM

    @Tricia G28: Societies are funded with tax money payed by company’s and public. Spending by government is taxpayers money. They know of cause but still pretend that they do us a favor when the spent it.

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    Mute Áine G
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    Oct 1st 2024, 1:01 PM

    Not for the ordinary people.

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    Mute Pat Hazzard
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    Oct 1st 2024, 1:15 PM

    @Áine G: wrong, budget will benefit everyone

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    Mute Sian O Sullivan
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    Oct 1st 2024, 1:25 PM

    @Áine G: what do you consider ‘ordinary people’ I genuinely can’t see any cohort that has been left out if leaks are to be believed.

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    Mute u6ZzANzx
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    Oct 1st 2024, 10:35 AM

    Grab that cash with both hands and make a stash
    New car, caviar, four-star daydream

    40
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    Mute Lee Casey
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    Oct 1st 2024, 12:39 PM

    @u6ZzANzx: think ill me a football team

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    Mute J B
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    Oct 1st 2024, 12:37 PM

    Paddy power and Boyle sports licking lips. Great unwashed will be droving in.

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    Mute S Suilleabhain
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    Oct 2nd 2024, 5:30 PM

    @J B: wow you stay classy now

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    Mute Modern Irish Dad
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    Oct 1st 2024, 10:27 AM

    Money don’t get everything it’s true
    What it don’t get, I can’t use
    Now gimme money, that’s what I want

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    Mute peter willekens
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    Oct 1st 2024, 1:30 PM

    @Modern Irish Dad: the best things in life are free..

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    Mute Modern Irish Dad
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    Oct 1st 2024, 5:20 PM

    @peter willekens: Mr Willekens you can keep ‘em for the birds and bees.

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    Mute Hugo Omar Martinez
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    Oct 1st 2024, 12:32 PM

    Before the election the government throw bones to the dog
    To make happy the dog

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    Mute Ian McDonald
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    Oct 1st 2024, 7:01 PM

    @Hugo Omar Martinez: you’re right. It would be better if they threw no bones, isn’t that right?. Then you can moan about them doing nuttin”

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    Mute Chris Lane
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    Oct 1st 2024, 4:02 PM

    USC was brought in as a temporary measure they should have abolished it

    23
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    Mute Chris Lane
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    Oct 1st 2024, 4:01 PM

    Buying the vote. They are just giving us our own money back, and if it wasn’t an election year, this budget would be very different. The only people that should be benefiting is the people going out to work and the vulnerable people in society. We have full employment people shouldn’t be paid to stay at home.

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    Mute Tricia G28
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    Oct 1st 2024, 4:40 PM

    @Chris Lane: The people going out to work just got a tax cut or did you miss that part?

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    Mute Jack Cass
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    Oct 1st 2024, 5:03 PM

    @Chris Lane: Which, for the average paid worker, is less than the increase of those that don’t work got.

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    Mute Gavin Smartr
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    Oct 1st 2024, 6:18 PM

    @Tricia G28: so they aren’t giving anything but they will expect ye to be happy that they are not going to take quite as much in this one area were they are riding us workers raw. As for energy credits ye can stick them up your holes. Just stop the cartels gouging us left right and centre and we wouldn’t need it. All its doing is transferring our money to there mates and prolonging the gouging.

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    Mute Chris Lane
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    Oct 1st 2024, 6:58 PM

    @Tricia G28: a pathetic cut that won’t make a difference.

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    Mute Rach
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    Oct 1st 2024, 1:14 PM

    I wonder what’s been done for the early years sector, it’s on the brink of total collapse.

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    Mute Anthony Curran
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    Oct 1st 2024, 1:38 PM

    @Rach: Here here.

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    Mute David Hughes
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    Oct 1st 2024, 2:28 PM

    @Anthony Curran: ss’zzz

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    Mute Vince Cable
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    Oct 1st 2024, 1:35 PM

    Going to get a new Ouija board with the extra dole money. Thanks to all the workers!

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    Mute Tezmond McVicar
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    Oct 1st 2024, 1:47 PM

    …must be funny in a rich man’s world.

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    Mute Bills n Stuff
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    Oct 1st 2024, 4:26 PM

    Serves majority of hospitality sector right. You reap what you sow hotels. Triple price hotels when concerts on. Hahaha. Wouldn’t stay in a hotel in rep of Ireland ever again, North of Ireland place to go, Belfast is the spot. From a southerner BTW.

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    Mute Renars Pundurs
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    Oct 1st 2024, 4:44 PM

    @Bills n Stuff: don’t put highly funded hotels in same boat as small cafes and restaurants

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    Mute Fintan Stack
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    Oct 1st 2024, 3:03 PM

    I’m reducing my active contribution to the economy. They’re a bunch of tight fisted criminals. Taxpayer screwed again.

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    Mute Vince Cable
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    Oct 1st 2024, 3:07 PM

    @Fintan Stack: Cry some more

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    Mute Fintan Stack
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    Oct 1st 2024, 3:35 PM

    @Vince Cable: get back out canvassing

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    Mute Tricia G28
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    Oct 1st 2024, 4:37 PM

    @Fintan Stack: I’m a taxpayer, and I’ve done just fine.

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    Mute rory Mcgovern
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    Oct 1st 2024, 6:44 PM

    2.1 billion for foreigners to settle in Ireland . The politicans are very generous with tax payers money. All people who have a vote in the upcoming general election use it.

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    Mute Shane O Mac
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    Oct 1st 2024, 2:58 PM

    Another sh itsh ow

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    Mute Toca Stories
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    Oct 1st 2024, 6:25 PM

    A few good initiatives that will make a difference like school books, college reg fee reduction. These are things that two income middle class families will see a benefit of. I didnt expect much and we got a little. It could have been better but could also have been worse. People with young families seem to have gotten some good news and that’s important and also the companion travel I think is really good.

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    Mute martin finnegan
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    Oct 1st 2024, 6:24 PM

    I won’t be voting for this government didn’t buy my vote

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    Mute Notty Tee
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    Oct 1st 2024, 2:08 PM

    Hands up if you are currently working on the Sinn Fein Troll Factory?

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    Mute Ronan Mc
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    Oct 1st 2024, 5:22 PM

    Finally free of the Quinn levy. How much did he cost us in the end?

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    Mute David Hughes
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    Oct 1st 2024, 2:16 PM

    I’m

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    Mute Pat Barry
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    Oct 1st 2024, 5:43 PM

    @David Hughes: lost for words?

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    Mute Charles Mc Carthy
    Favourite Charles Mc Carthy
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    Oct 1st 2024, 3:55 PM

    We are not poor, we just suck at being poor, and I’m not referring to the Irish citizens.

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    Mute Renars Pundurs
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    Oct 1st 2024, 4:43 PM

    Failte Ireland we can take off on the entrance to cafe

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    Mute Pat Barry
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    Oct 1st 2024, 6:28 PM

    @Renars Pundurs: Interesting, although I don’t think they’re in cafes? Could be wrong, they are however in hotels, guest houses, hostels,
    bed and breakfasts, self catering, caravan and camping and holiday camps.

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    Mute Tommy445
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    Oct 1st 2024, 7:12 PM

    Save Lebanese children from israeli terrorists

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    Mute S Suilleabhain
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    Oct 2nd 2024, 6:23 PM

    There are three dentists in the greater Dublin area I’m aware of that are still in the psri/medical card scheme for teeth – is fine Gael going to do anything about that ? cocked Up just like most healthcare!!

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    Mute S Suilleabhain
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    Oct 2nd 2024, 5:35 PM

    @Modern Irish Dad: but love dont give no compensation, love don’t pay no bills… Love kills.

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