Darragh Ó Caoimh (23) is from Kanturk, Co Cork and has recently completed the Law and Irish program at UCC. Soon on his way to the US to teach Irish at the University of Montana with a Fulbright Award, Darragh will be co-presenting Junior Eurovision on TG4 tonight at 8.30pm.
What’s the most important lesson about money that your career — or your upbringing — has taught you?
Money isn’t everything, but it makes things a lot easier.
The most expensive place you have ever visited?
I was in Zurich, Switzerland for a few days this summer. It’s a beautiful city full of history but also with the most expensive Starbucks in the world and although I didn’t buy any coffee I found my Swiss francs didn’t go very far.
What’s the best advice you’ve ever received about money?
The harder you earn it, the more you respect it.
Aside from real estate, what’s the most expensive thing you’ve ever bought?
A plane ticket from Dublin to Seattle.
Do you still carry cash?
I mostly pay contactless or with Apple Pay on my phone, but I always like to have cash with me just in case; Euro notes don’t go away empty-handed and I don’t have to remember their PIN.
What was your worst job?
I probably picked stones for my dad when I was 10 years old. Seriously, I’m lucky that I’ve never had a bad job.
I worked as an outdoor activity teacher at Ballyhass Lakes near Kanturk for six summers and did a few stints as an Ard-chinnire at Coláiste UISCE in the Mayo Gaeltacht, two jobs I loved.
This summer I worked for six weeks as a chef in a busy bistro in downtown Biarritz, France.
It was an amazing experience and gave me the opportunity to improve my culinary and language skills and spend time with great friends.
What was your biggest financial mistake?
Luckily no major breakdowns yet.
What was your best financial murder?
When I was 12 I made Christmas logs and took them to the Kanturk market where I sold out in an hour.
I made a relatively sizable profit, no doubt helped by the fact that my father provided the wood and other materials for free; by no means a bad business model.
Besides that, it was probably my first communion money.
Do you have a pension?
No, I’ve only done seasonal or part-time work so far, so it didn’t come up. All in good time.
Do you use one of the digital banks?
I use Revolut when traveling as it’s easy to exchange money. It’s also very convenient for splitting bills and taking the heartache out of paying friends.
What was the last thing you bought online?
Safety shoes for kitchen work in France. I’m not a big fan of online shopping and try to use it only when I have no other option.
I much prefer going into shops and being able to see, touch and try things on and I love being able to talk to salespeople.
I can’t stand all the scrolling, clicking and zooming when shopping online, not to mention the hassle of returns. I’m a firm believer in shopping locally whenever possible and I think it’s very important that we support businesses in our inner cities.
Are you a donor or a saver?
A spendthrift who has a bad habit of buying books faster than he can read them.