Newstalk Lunchtime regular John Lowe 'The Money Doctor'  hosted an online personal finance clinic between 1-2pm, to answer all your queries related to money matters.

The Lunchtime Money Clinic is now closed. We tried to get through as many questions as possible but due to the huge demand we were unable to deal with all of them. Apologies if we couldn’t get to your question.

John Lowe will be back on the show next Tuesday at 12:45.

Send your questions on any personal finance matter by email to lunchtime@newstalk.ie, on twitter to @Newstalkfm or use #moneyclinic, and you can also get in touch via our Facebook page.

All queries will be addressed online on a first name basis only if you wish to remain anonymous.

You can read John's answers to today's questions below.

THE MONEY DOCTOR CLINIC IS NOW CLOSED