Hi All,
Hope you can help..I am a young professional. My partner and I have just had a baby...beautiful 3month old baby girl...she is a carer for a fmaily member with special needs and was studying nursing up untill she got pregnant.
My salary after tax per month is roughly 2800 no idea what that equates to p.a gross...as i work in a commission based job (housing market) that is not in great shape at the moment...market not the job.
My partner gets rougly 700 p.m as a carer plus child benefit of 160 p.m.
Heres where it gets tough, at the moment making ends meet is tough.
Mortgage of 245k on my own interest only of roughly 1100 p.m
esb and gas roughly 150 p.m
Car loan 200
Fuel 400 p.m and its a diesel car
Lunch and cigs roughly 450 more than half being a 7.10 daily habit which i really need to give up.
Can anyone please give me some advise/tips how to survive/budget.
Kind Regards
B
All food bills are taken care of by my partner.
Hope you can help..I am a young professional. My partner and I have just had a baby...beautiful 3month old baby girl...she is a carer for a fmaily member with special needs and was studying nursing up untill she got pregnant.
My salary after tax per month is roughly 2800 no idea what that equates to p.a gross...as i work in a commission based job (housing market) that is not in great shape at the moment...market not the job.
My partner gets rougly 700 p.m as a carer plus child benefit of 160 p.m.
Heres where it gets tough, at the moment making ends meet is tough.
Mortgage of 245k on my own interest only of roughly 1100 p.m
esb and gas roughly 150 p.m
Car loan 200
Fuel 400 p.m and its a diesel car
Lunch and cigs roughly 450 more than half being a 7.10 daily habit which i really need to give up.
Can anyone please give me some advise/tips how to survive/budget.
Kind Regards
B
All food bills are taken care of by my partner.