help: I think you deserve to be congratulated. Overall you appear to save 620 per month (i.e. 50 Royal Liver, 20 SSIA, 350 this holiday, 200 next holiday) so you are saving 44% of your salary, which I’d say is more than most people on this forum. (And possibly more than most people in the world). This is almost certainly why you are broke at the end of the month. But you are not ‘poor’ as you are building up savings for something you desire - a holiday.
To give you a better picture of your finances and help with budgeting go to the MABS web site
www.mabs.ie, read their information leaflets and follow their advice. If you are still hungry for information on budgeting check out the Motley Fool web site
www.fool.co.uk, or get Alvin Hall’s book from the library.
Work out your expenditure pattern using MABS’ budget spreadsheet or ideally construct your own from their template. You really need to record your expenditure for about three months and then work out what your average spend is on budget items before you will be able to make any meaningful decisions on how to adjust your finances.
Then analyse your finances, see what you can cut, see if you can substitute less expensive items, etc. (E.g. do you need to spend 80 euro per month on lunch? I know it’s only 4 euro a day but as you can see it does add up. Unless the lunch is a really good deal, why not make it at home; bring in fruit, etc.). Also try to increase your SSIA contributions. SSIAs are a once off chance to get money from the state for doing nothing so try to invest as much as you can. And try to bring your PAYE up to date and ensure that you are claiming for all allowances to which you are entitled.
Also are your savings in the best place? Would it make sense to switch some savings from the RL to the SSIA? Are your holiday savings wasting away in a low interest savings account? A credit union could give you a better deal and would make you eligible for credit union loans, etc.
But realistically with such a high savings ratio the only way to have more money at the end of the month is to (a) reduce expenditure and / or (b) reduce savings and / or (c) get a higher paying job. If your savings goal is to save money for holidays you are achieving this already, and being broke at the end of the month is the price you pay now to have a great holiday in the future.