Most of the threads I have seen are about people calling in MABS etc. Am well aware that I am lucky so would appreciate any advice.
I am 34 - single female
Have house 4 years - outstanding mortgage 231k
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. Have about 20k in tied-up savings and no cc balances (although have three with limits of 50k) but just want to know is there anything I could be doing a bit smarter. Paying into defined benefit pension.
I know I earn good money so I don't want any replies which state how lucky I am, or how I am not in financial trouble. I worked very hard to get a very good job, studied hard, and I put in the hours. I just want to maximise my benefits.
The reason for me asking now is that I am waiting on the results of some medical tests, and although I have medical cover my work recognition of same is poor and I want to see what my options are in case it all gets nasty.
I am 34 - single female
Have house 4 years - outstanding mortgage 231k
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. Have about 20k in tied-up savings and no cc balances (although have three with limits of 50k) but just want to know is there anything I could be doing a bit smarter. Paying into defined benefit pension.
I know I earn good money so I don't want any replies which state how lucky I am, or how I am not in financial trouble. I worked very hard to get a very good job, studied hard, and I put in the hours. I just want to maximise my benefits.
The reason for me asking now is that I am waiting on the results of some medical tests, and although I have medical cover my work recognition of same is poor and I want to see what my options are in case it all gets nasty.