Good numbers you might think, but the bank ( all of them) think we can't afford it because we are a single income family with 3 children. ..
We are slaves to our bills and our taxes. It got to the point where we looked at each other and asked what on earth we were working for. There were months after paying our mortgage and over €1,000 on childcare costs that we had nothing left. When one of my children got sick I sat on the landing and cried because I was worried about them and worried about what I was going to do about work. I know we are not alone - there are tens of thousands of other Irish families in exactly our position. Ordinary working people are in a prison of bills, debts and taxes. People who never took a gamble on the property or stock markets. There comes a time when yet another bill arrives to be paid and you say 'enough is enough'. What is the point of working to pay State bills or taxes when you feel that the real losers are your own children? Like thousands of others we are caught between a Government that wants us to pay taxes and employers that don't want workers absent because of their children.
I wouldn't say the banks are too pushed about people's lives being miserable, more like they want to avoid not being paid back ( understandably). Curiously in our case, banks have suggested, to strengthen our application, we should put ourselves in that situation ie herself to get employment and get the kids into childcare.From the outset we had always agreed that this was a non runner feeling the importance of a full time parent.That is what the banks want to avoid. People having nothing left after they pay their bills and their lives being miserable.
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