Emma Farrelly, founder of Future Financial Planning: 'I joined my local tennis club four years ago, and it’s the best money I’ve ever spent on myself'

Emma Farrelly is a qualified financial adviser who works with clients on investment strategies, retirement planning, and sustainable finance. www.futurefinancialplanning.ie

Are you a saver or a spender?

I strongly believe in saving, and I think about it in terms of short, medium and long-term goals. But I also enjoy spending, especially on clothes and travel; they’re my real treats and make the savings worthwhile. I am now saving for a trip to Thailand for my 50th.

What was the first job you ever received money for, and how much were you paid?

My first job after college was in the late 1990s as a cabin crew member with Aer Lingus, and I earned around €20,000.

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