Wednesday 23 January 2019

'Money in my pocket is usually a big mistake'

Tracy Clifford
Tracy Clifford

Tracy Clifford hosts RTE 2FM's afternoon show every weekday, from 1pm to 4pm. She is also a judge for this year's Choice Music Prize.

What's the most important lesson about money your career as a broadcaster and DJ has taught you?

That money should not be your motivator, yet it's important to be confident and forthright about your worth.

What's the most expensive place you ever visited?

If you are doing New York the New York way, it could prove pretty pricey. But for day-to-day costs I would say Iceland. Trust me, it's worth it.

What's the best advice you ever got about money?

I don't think anyone has given me money advice that I actually adhere and listen to, to be honest! But my attitude is of a 'You can't take it with you' nature.

Apart from property, what's the most expensive thing you have ever bought?

The most expensive thing outside my wardrobe is my car, and inside my wardrobe is a dress by Kerry designer Don O'Neil.

What was your worst job?

Every part-time job that I had growing up was great because of the fun I had, mostly in retail. The only things that bothered me was having to wear a uniform, like brown trousers with an unflattering cut. That was the worst part.

What was your biggest financial mistake?

Money in my pocket is usually a big mistake.

What was your best financial killing?

This may not be my best, but buying an apartment - that wasn't way beyond my means and so close to the city - right before the crash has stood to me. Banks were offering huge mortgages in 2005, but my friend and I were sensible in choosing location over square feet.

Are you better off than your parents?

If anyone's parents are mortgage free in this climate, they are the better-off ones for sure.

If you won the Euromillions, what would you do with the money?

I would make all my friends and family millionaires, because being that rich on your own would be no fun. I would issue them their own credit cards with a million plus as the limit. They could spend what they like on the card; but wouldn't lose out with the gift tax. I would also have to donate to charity. Then, go have some fun.

If you could design your own euro note, what image would you put on it?

I would design a €50 note with the words 'Do you need or want it?' on it in big letters. It might help me put the shoes down!

iTunes or Spotify?

Both. For podcasts, iTunes. Spotify for playlists at parties.

What was the last thing you bought online?

Two books. What I know about Love by Dolly Alderton and an Irish-language book for kids, Focloiropedia, because I'm re-learning Irish this year. I buy my books online - but only from Irish bookshops, like Dubray Books.

Have you ever made an insurance claim?

Yes, 13 years ago.

Would you buy property now?

If 'right now' is a ballpark figure of between this very minute and 2020, then yes.

Do you ever haggle?

Depends on what I'm haggling for. If it's for something big, then yes. My Dad is a pro at it in his business and my Mam would try to haggle at the till doing her weekly shop.

What three things would you not be able to do without if you were tightening your belt?

1. Having the heating on full in winter. I'm a very cold creature. 2. My highlights. It's a costly necessity. 3. At least one or two holidays a year- either at home or abroad as they cost the same!

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