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Hi again :) actually I'm 28 now and would be 29 when we would have a baby assuming there's no complications. I don't feel like its too young..its just moving onto a new stage in life which we are both ready for after 10 years of enjoying ourselves and "living" Meant to say also, the mortgage...

Another update: Later than originally planned (due to a few health set backs & my redundancy) we are planning our first. So at the moment its all planning,taking folic acid and continuing saving :) We are hoping to get pregnant by the end of the year. Will be breastfeeding and using cloth...

Just wondering if since you've been saving in the credit union have you received or taken out any dividends . As far as I know, if the CU pays dividends you are allowed take them straight out regardless of loan etc. It would be great if you hadnt taken them out yet as that amount is yours to...

thanks aristotle! the way i look at it is you have to make your own way in life nobodys gonna do it for you. i could be on jb looking for a job, maybe getting one that i dont even like and being unhappy. or i could give this a shot and be just as broke :) and hopefully it will work..but if it...

Hi all, Just a quick question. I am being made redundant. Rather than sign on I'm hoping to start a business. not expecting to make much for myself on this but beats waiting around trying to get a job ay? hopefully i'll make enough for food :) well if i do start a business i realise i'm not...

agree with dodo. its done now so you have to pay for it unfortunately. Not sure its that over expensive though?

update: no we definately cannot for now

Hi just wondering if anyone had an idea how much it would cost to put spotlights in downstairs in my 3 bed semi. There'd be the sitting room about 6, hall 2-3, kitchen dining 12-14. I want to completely remove the light fittings and just have spots any electricians on here with an idea or...

*bump* just wanted to bump this thread instead of starting a new one to see if anyone can work out my above calculations? thanks

Just off the phone to PTSB they said the TRS changes are up to date & applied :) still seem slightly off by my calculations though? can anyone shed some light on this.. For my march payment Principal is at 272129.77 Tracker mortgage at 1.1% over ECB would that make my interest for year...

I read here before that some banks wouldnt have the TRS changes from the budget until as late as July! Just wondering does anyone know if PTSB have the correct new TRS changes yet or when they are likely to if not already? it'll probably change in the budget at the end of the month again now...

whereabouts in the country are you?

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sorry..edited

I'm in my job about 7 years now. Small company with 13 employees and I am the only office staff.I do all secretarial, admin and PA duties and I also do payroll and Vat returns, mileage returns, p35,p30s,etc. I'm thinking I might be underpaid as I am on 31k per annum if working 5 days however...

Thanks for your advice and opinions everyone..didnt get a chance to reply till now. Well we weren't thinking of starting a family straight away just looking ahead at maybe the end of the year /early next year. Meant to say that our wages i've put in are after tax.we are sticking to our budget as...

just looked it up its at [broken link removed] 274 free pages :)

well my last eircom bill was €41 for line rental €41 for broadband and €40 for phone calls plus Vat..i round it up to 160 cause some times it would be..but that would definately be the highest. I dont top up my mobile very often maybe a €5 a month and use the home phone mostly. so theres no...

My hubby wouldnt get a promotion as its a trade job he does but he will get a pay rise this august and on a yearly basis thereafter..also if i was to stay at home he would have my tax credits and after aug pay rise would be on about €29,500 take home a year..that plus childs allowance of €1900...

No granny available to step in. i would have to way up the cost of childcare against staying home but definatley dont see the point of working to pay child care. i have always thought that I would prefer to stay home with my children but not too easy in modern ireland. Do the other bills seem a...