Why Short-Term Decision Making Is Holding Back Long-Term Growth in Irish SMEs

Many Irish SMEs operate in a constant cycle of activity. Day to day demands, customer needs and immediate financial pressures often dominate decision making. While this focus is understandable, it can create a pattern where short-term thinking takes priority over long-term strategy. In the early stages of a business, this approach can be effective. Flexibility […]

Top 5 Warning Signs Your Business Has Outgrown Its Current Systems

As Irish SMEs grow, systems that once worked well can quietly become a limitation. What was efficient at an early stage can become slow, fragmented and increasingly difficult to manage as activity increases. The challenge is that this shift often happens gradually, making it difficult to recognise when systems are no longer fit for purpose. […]

How Overheads Quietly Creep Up and Erode SME Profit Margins

For many Irish SMEs, rising costs are not driven by one major decision. They build gradually. A small increase here, a new subscription there, an additional staff role to support growth. None of these changes feel significant in isolation. Over time, however, they combine to create a steady increase in overheads that quietly erodes profit […]

Top 5 Pricing Mistakes Irish SMEs Continue to Make in 2026

Pricing remains one of the most important and most mishandled areas within Irish SMEs. It directly affects profitability, cash flow, positioning, and long-term sustainability. Despite this, many businesses continue to approach pricing in a reactive or inconsistent way. The result is not always immediate. Businesses can operate for long periods with flawed pricing structures. They […]

The Hidden Risk in Long-Term Clients: When Loyalty Reduces Profitability

Many Irish SMEs take pride in long-standing client relationships. Loyalty is often seen as a sign of stability, trust, and consistent performance. Clients who return year after year provide predictable income, reduce the need for constant marketing, and create a sense of security within the business. On the surface, this looks like an ideal position. […]

Why Many Irish Businesses Feel Cash Poor Despite Strong Sales

It is a scenario that frustrates many Irish SME owners. The business is active, sales are consistent, and on paper performance looks solid. Yet, despite this, there is constant pressure on cash. Bills feel tighter than they should. Decisions are delayed. Investment is postponed. The immediate reaction is often confusion. If the business is generating […]

Top 5 Financial Habits That Separate Growing Irish SMEs from Stagnating Ones

There is a noticeable divide between Irish SMEs that consistently grow and those that remain static despite similar market conditions. It is easy to assume that this comes down to industry, location, or access to capital. While those factors play a role, the more consistent difference lies in behaviour. Specifically, financial habits. Growing businesses tend […]

How to Stress Test Your Business Before Problems Arise

Stress testing is often associated with large organisations, but it is equally relevant for Irish SMEs. It involves assessing how a business would perform under different scenarios, particularly adverse conditions. The purpose is not to predict the future, but to prepare for it. One of the main benefits of stress testing is identifying vulnerabilities. This […]

The True Cost of Delayed Decisions in Business Management

In many Irish SMEs, decisions are delayed not because of uncertainty, but because of competing priorities. While this may seem harmless, the cost of delayed decision making can be significant. Time is a critical factor in business. Opportunities are often time-sensitive, and delays can result in missed chances. Whether it is securing a contract, investing […]

Mernie joined Money Sense as a Director in 2008 and works in the area of administration and compliance.

Mernie is an Economics and French graduate from UCC.

Mernie also has a postgraduate diploma in Computing and has previously worked in the IT industry for a number of years.

Mernie’s IT experience and business acumen are invaluable in organising and managing the office and maintaining strict compliance requirements.

Mobile: 087 8364150

John is a Qualified Financial Advisor (QFA) who has over 40 years of experience working in the Financial Services Industry.

Having previously worked in the Banking Sector for 28 years, John has acquired significant knowledge and experience in all areas of financial planning and advice.

Establishing Money Sense Financial Services has enabled John to use his extensive experience in providing impartial and sound judgement in the pursuit of better Client solutions in the open marketplace.

John is extremely passionate and committed to his work and prides himself on a positive ‘can do’ attitude. He is very dependable and will do everything in his power to assist customers achieve their financial goals.

In his spare time, John is a staunch GAA enthusiast, being currently involved with Dr. Crokes GAA Club as Manager of their Senior Hurling Team.

Originally from Newtownshandrum, John is a proud Cork man but has settled well in his adopted County and is doing everything in his power to promote the small ball game in Kerry.

John is also a member of Killarney Golf Club with a respectable handicap. John gives 100% in every project he undertakes and exudes positive energy and enthusiasm which can be infectious.