Ok so I know Im in a lot of debt but really trying to clear it just want someone else opinion as to anywhere I could cut back. Thank
Me: 25 €435.00 net per week
DH: 25 €610.00 net per week
so about 4180 in 4 week month extra week used for baby clothes car tax presents and bimonthly cinema trip.
1 child aged 1.5, both civil servants so not much chance of being made redundant.
Mortgage €1,200 p/m
Childminder €400.00 p/m
Loans €1,800 p/m
Petrol €75 p/m
Insurance home life and car €80 p/m
Shopping €550 p/m and that it no nipping to the shop no coffee in work etc
Leaves €75 a month for emergencies anything that may crop up.
We use child benefit €166 p/m for esb/gas/phone/tv
I know loans were stupid but a case of masters loans for us both and then problem with home we sold for less than we paid as we needed to move home for jobs and baby two yrs and all loans will be gone. Have no other childminder options as already using a family member.
Me: 25 €435.00 net per week
DH: 25 €610.00 net per week
so about 4180 in 4 week month extra week used for baby clothes car tax presents and bimonthly cinema trip.
1 child aged 1.5, both civil servants so not much chance of being made redundant.
Mortgage €1,200 p/m
Childminder €400.00 p/m
Loans €1,800 p/m
Petrol €75 p/m
Insurance home life and car €80 p/m
Shopping €550 p/m and that it no nipping to the shop no coffee in work etc
Leaves €75 a month for emergencies anything that may crop up.
We use child benefit €166 p/m for esb/gas/phone/tv
I know loans were stupid but a case of masters loans for us both and then problem with home we sold for less than we paid as we needed to move home for jobs and baby two yrs and all loans will be gone. Have no other childminder options as already using a family member.