K
kieranw
Guest
Hi, I Am new here. My Name is Kieran, and im having a mortgage(no due date yet, feels like im sitting at the gates of hell, looking awkward because im the only one in a tux)
What is a reasonable percentage to have of your monthly wage AFTER all your commitments, but not bills, are tended to? I Include all loans etc, car insurance, mortgage, repayment of "gift" from my mum on a monthly basis(cant wait to see what i get for my next birthday) plus interest!
I am a single man aged 24, with a good job, paying €3000 minimum per month(take home) up to €3,500 if i take on some extra work, that i have avoided previously, to tend to my blossoming social life(R.I.P.) Would 35% of this be enough, if i tried to make a go of it? anyone else still have a social life?
Whilst i am here, ill bring up a subject i have been reading, which first brought me to AAM a few weeks back, The ICB!!(Not the international Cricket board, i hasten to add). I have missed a few loan payments over the years as i would have generally been paid irreguralarly and dates can be missed yada yada, i have been informed by OPEN.IE that no prime lender will lend me enough to buy that pigeon loft that looked "homely" over in number 62. How accurate woud he be on this/ is it even worth me bothering my bank over? I wouldnt say that i am financially responsible at the moment, but that is because i dont have to be. If i needed to be, im sure i could be as tight as donald ducks proverbial!
I have read a little on this bad credit disease, very costly indeed, i was told i am on the first rung of the ladder, which isnt too bad. Have banks no sense of youth or frivility anymore?? Anyway bottom line, coud i run a proper household on €1,250 catering for me and one dog.
Please dont laugh at me, i dont even know the price of butter.
What is a reasonable percentage to have of your monthly wage AFTER all your commitments, but not bills, are tended to? I Include all loans etc, car insurance, mortgage, repayment of "gift" from my mum on a monthly basis(cant wait to see what i get for my next birthday) plus interest!
I am a single man aged 24, with a good job, paying €3000 minimum per month(take home) up to €3,500 if i take on some extra work, that i have avoided previously, to tend to my blossoming social life(R.I.P.) Would 35% of this be enough, if i tried to make a go of it? anyone else still have a social life?
Whilst i am here, ill bring up a subject i have been reading, which first brought me to AAM a few weeks back, The ICB!!(Not the international Cricket board, i hasten to add). I have missed a few loan payments over the years as i would have generally been paid irreguralarly and dates can be missed yada yada, i have been informed by OPEN.IE that no prime lender will lend me enough to buy that pigeon loft that looked "homely" over in number 62. How accurate woud he be on this/ is it even worth me bothering my bank over? I wouldnt say that i am financially responsible at the moment, but that is because i dont have to be. If i needed to be, im sure i could be as tight as donald ducks proverbial!
I have read a little on this bad credit disease, very costly indeed, i was told i am on the first rung of the ladder, which isnt too bad. Have banks no sense of youth or frivility anymore?? Anyway bottom line, coud i run a proper household on €1,250 catering for me and one dog.
Please dont laugh at me, i dont even know the price of butter.