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have to agree with 007007 about the food, 100 for lunch and 400 a month for food for a girl living on her own, not a chance. Half that is what i live on, and thats not by budgetting, i just couldnt eat anymore food :)

The OP has savings, so that is a rainy day fund

she says im afraid i wont be able to keep up the payments. im telling her from experience at this second in time its possible as im doing it myself

i cant believe what im reading! 007007 is not living in poverty, she just needs to budget her money carefully. Im sorry but i really cant get over people thinking that a girl with no debt other then 1000 euro on a credit card can not afford to pay bills and survive on 800euro.

Hi deedee As you can see from the op they have no loans , i didnt have any loans either, so i was told by my broker that made a difference. Ulster bank and first active both offered me a mortgage no problem on my own. If your under 30 they offer a 40year term

Its absolutely crazy to you but its reality for alot of people, and im having no problems making ends meet. The OP seems to release themselves that 900euro is quite a good amount of money to live on

007007 Your living on in your own in a 2 bed house, same as myself. My esb and gas bills, tv etc arent huge. with 900euro a month for bills and food, your in exactly the same situation as me. I cant see how clubman and everyone else is telling you to sell up. Did all ye guys moving into your...

Hi 007007 Im pretty much in the same situation as you but im managing quite well. I got a mortgage of 270k on my wage of 33k (first active must really be throwing them out at us young ones LOL) After bills i really wouldnt have a whole lot of extra money, but im stil getting my 2 holidays this...

Hi A friends house was sold and due to close the 30th of september, due to hold up with paperwork it hasnt and she has had to pay another mortgage. how long can the purchasers hold things up with paperwork before she can legally force them to close? Thanks

people actually complained when i asked for ID yesterday! i asked at least 1 in 4 for ID, even the snotty woman who reported me to the supervisor cause she couldnt understand why at her age she was asked for ID....yes dear its like trying to get into a niteclub!

Hel_n You should not have been allowed to vote without ID proving your address and name

polling clerks only have to ask 1 in 4 for ID.

We always get the same thing for retiring people Waterford Crystal John Rocha Signature wine glasses. They come in a hat box, they just look very presentable.

im waiting to hear back from my solicitor on this at the moment. is there tax implications if my parent gifted me the money i was short for the mortgage? as in the purchase price, not the mortgage payments

Its a new build under 125. I was just afraid as guarantors and it not being their ppr that i would be caught for stamp duty. thanks so much for your help. i can breath again

I would be owner occupier. So as far as you can see (i cant get in contact with my own solicitor at the moment) i shouldnt have to pay stampduty

thanks for quick replies Im not a ftb though

I hope someone can help with this query. If you have a parent on your mortgage but NOT on the title deeds of the property are you excempt from stamp duty on a new property

Thanks everybody for replies. Ms X, with similar earning to myself and my parent, we had been told there would be no issue getting 300k. But if you were only able to get 248k, it doesnt make sense. Barryl, Already have 40k for a deposit. If worse comes to worse I may have to try borrow more...