“As a gig musician and freelance producer, I’ve learned my worth”

Maggie Carty is a singer and banjo player from Boyle, Co Roscommon currently residing in Melbourne. She works as a producer for Australian television and is home this summer to join the presenting team of Fleadh 2022 from Mullingar, which will be broadcast live on TG4 from 5th to 7th August at 9.30pm.

What’s the most important lesson about money you’ve learned from your career as a musician?

Over the years I’ve learned my worth as a musician and freelance producer. I’m always open about fees and definitely avoid any place that offers “exposure” as a payment method.

What has the Corona crisis taught you about money?

We’ve been locked down in Melbourne for 260 days and it’s amazing how much you can save by being confined to your apartment and cooking for yourself for so long.

The most expensive place you have ever visited?

I went on tour in Denmark a few years ago and found it very expensive but I just got back to Ireland this summer and I’m shocked at the price of things.

Flights have been very expensive in the wake of the pandemic, but finally being able to come home and see family after three years in Australia is worth every penny.

What’s the best advice you’ve ever received about money?

My grandmother used to say that when you’re contemplating a purchase, you either have to “love it madly or need it badly”. Unfortunately, I seem to love everything.

I also believe in the motto “buy once, buy right” and try to avoid fast fashion by buying quality pieces that last.

Aside from real estate, what’s the most expensive thing you’ve ever bought?

I bought a new car last year after ours was stolen from a car wash… long story.

I also recently invested in a new and very expensive MacBook to improve my video editing skills.

Do you still carry cash?

Very rare. I have my card on my phone which can be a bit dangerous at times as it’s so easy to tap on it without thinking.

What was your biggest financial mistake?

Recently I was fined $480 for going through an intersection at a red light for 1.2 seconds…I swear it was yellow. I’m afraid of traffic lights now.

What was your best financial murder?

I don’t think I’ve made it yet, but I’ve been incredibly fortunate to be able to travel the world, play the banjo and make amazing friends along the way.

I am also very fortunate to be debt free. I don’t believe in buying something you can’t afford, so I’ve never had a credit card.

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

My favorite singers, Dolores Keane and Margaret Barry.

Are you a donor or a saver?

I’m a bit of both. I try to save as much as possible and follow the methods of the barefoot investor, but sometimes I can’t resist a splurge. Bright shiny things are my weakness.

Would you buy Irish property now?

I would if I could. When the time is right, I would like to build. I’m a big fan of Grand Designs and would love the opportunity to try it myself.

Do you haggle sometimes?

It definitely depends on what it’s for, but yeah, I’m no stranger to standing my ground and haggling for a better price.

What three things could you not do without if you tightened your belt?

Reformer Pilates, good quality fruits and vegetables, and taming my brows every month.

https://www.independent.ie/business/personal-finance/as-a-gigging-musician-and-freelance-producer-ive-learnt-to-know-my-worth-41861427.html “As a gig musician and freelance producer, I’ve learned my worth”

Fry Electronics Team

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