[broken link removed]Firstly, why is your house insurance costing you €900 per year? This seems way excessive - you should be insuring your house on the reinstatement cost, and not the market value.
Rumour has it that Budget 2008 next week could abolish the employee PRSI threshold of €48,800 (?) meaning that you will be paying full PRSI on all income!After tax 5200 (as PRSI threshold passed - in Jan pay drops 4800)
What is your original mortgage amount, term and current rate? €2K p.m. a month seems high for the figures posted even if they are not complete.Have house 4 years - outstanding mortgage 231k
Mortgage 2000
So you have €5,200 coming in and c. €2,850 going out (€3,750 this month due to €900 insurance). That means that you are blowing the remaining €2,350 on other expenditure. As mentioned above you need to find out where specifically.Salary 90k
After tax 5200 (as PRSI threshold passed - in Jan pay drops 4800)
Mortgage 2000
Car 450
Savings 400 (BOI SSIA bonus account + An Post Instalment Savings)
I have a good social life (not manic but a few drinks and a taxi home 3 times a week) but never seem to have money left at the end of the month - house insurance this month of 900 euro wiped me out.
Is the €5,200 p.m. after this deduction?Paying into defined benefit pension.
Entertainment in home not popular as am only one of my mates living northside.
Mind you the first political party to give tax relief on highlights will get my vote!
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