Hi,
Just wondering if anyone could offer an opinion/advice.
I bought an apartment a year ago.
I got 100% mortgage and its €1300 per month.
My car repayments are €250 a month
I have a credit union loan which costs me €200 per month I have nothing else, no credit cards, no shop cards.
I get my usual gas/elec/car tax etc bills which I pay as I get them.
I just never have any money left. After bills etc I have about €150 left, I have bad back/shoulder/neck problems which I'm spending a lot of money on trying to fix, I'm going for physio/deep tissue massage once a week and its costing me €55. I do get some of this back from my Health insurance it is still going out of my disposable cash every week.
I spend €35 on diseal every week & whatever groceries I need, they would cost about €25 per week and that varies.
I have had no holiday, and I have not been on a night out in months, I don't buy lunches anymore, no luxuries like what I had before. These things don't really bother me so much because I know sacrifices need to be made, but I just find that every week I have little or nothing left.
I have gone to some banks looking for a consolidation loan for my car and credit union, this could save me up to €350 a month but I can't get one. And I don't have my mortgage long enough to get a top up.
I have extra qualifications which I have tried to put to use by starting up my own part time biz but it costs money to advertise and market it - money which I never seem to have!!
I feel a bit disillusioned by it all, my Dad is helping me out whereever he can but thats not what I want.
when I moved in first things were ok and I thought it would get easier but its actually getting harder & now my mortgage rates are going up aswell.
Is everyone finding it difficult to manage?
I'm on €45k a year which is ok money, and have been jobhunting but no luck so far!
Is there any light at the end of the tunnel?
Just wondering if anyone could offer an opinion/advice.
I bought an apartment a year ago.
I got 100% mortgage and its €1300 per month.
My car repayments are €250 a month
I have a credit union loan which costs me €200 per month I have nothing else, no credit cards, no shop cards.
I get my usual gas/elec/car tax etc bills which I pay as I get them.
I just never have any money left. After bills etc I have about €150 left, I have bad back/shoulder/neck problems which I'm spending a lot of money on trying to fix, I'm going for physio/deep tissue massage once a week and its costing me €55. I do get some of this back from my Health insurance it is still going out of my disposable cash every week.
I spend €35 on diseal every week & whatever groceries I need, they would cost about €25 per week and that varies.
I have had no holiday, and I have not been on a night out in months, I don't buy lunches anymore, no luxuries like what I had before. These things don't really bother me so much because I know sacrifices need to be made, but I just find that every week I have little or nothing left.
I have gone to some banks looking for a consolidation loan for my car and credit union, this could save me up to €350 a month but I can't get one. And I don't have my mortgage long enough to get a top up.
I have extra qualifications which I have tried to put to use by starting up my own part time biz but it costs money to advertise and market it - money which I never seem to have!!
I feel a bit disillusioned by it all, my Dad is helping me out whereever he can but thats not what I want.
when I moved in first things were ok and I thought it would get easier but its actually getting harder & now my mortgage rates are going up aswell.
Is everyone finding it difficult to manage?
I'm on €45k a year which is ok money, and have been jobhunting but no luck so far!
Is there any light at the end of the tunnel?