is it me or will i ever get a handle on my money
Age :32
Annual Gross from employment :26,250
After Tax //PRSI = 1932.09 a Month
Or € 446.33 A week used karls paye calculator to get this info
Broken down
Benefits Employer Paid VHI
Credits
Medical Expenses 125
Rent Relief 300
Type of Employment :Employed
Savings :
Credit Union 1 2172
Credit Union 2 1986 - Total €4158 €300 a month
Halifax 580 - €50 a month
Prize Bonds 125
Shares €75 a Month
Other borrowings –
Credit Union –2000 -€82 a Month
Over Draft : €1400
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card?
1600 C.C. 1
1000 C.C 2
Expenditure : €300 Rent a Month
Do you have a pension scheme? Yes €125 a Month
€932 a month without clearing Credit Card –
Medical Expenses
Medicine/ €85 monthly ( max on Drug Purchase Scheme )
Doctor €50 monthly
Leisure Center /Gym €71
Spent nearly a Year out on Sick Leave
And further 5 months working Part – time on Return to Work – catching up since –
Medicine - € 85
Doctor €50
So I have got €1003 coming out a month - without me touching the credit card or trying to clear my Over draft –
I Think reason why I have let it get out of hand is I was sick 2 years ago and was out of work for nearly a Year , and then when I came back to work I had to work part time then for another 6 months, and did hit the cards a lot more than normal as I felt grateful to be able to spend if that makes sense
--Update I will be getting a Pay rise this Year – But I do not know how much percentage Yet and this wont come into Effect until November
Thing is – I have no Hope of getting on the Affordable housing Scheme to look for a house or anything
Cause all they will see that I’m constantly in over draft-
this sounds painful revealing this info - like peeling a layer - and putting it all out there for everyone to see
how badly i manage everything
Age :32
Annual Gross from employment :26,250
After Tax //PRSI = 1932.09 a Month
Or € 446.33 A week used karls paye calculator to get this info
Broken down
Benefits Employer Paid VHI
Credits
Medical Expenses 125
Rent Relief 300
Type of Employment :Employed
Savings :
Credit Union 1 2172
Credit Union 2 1986 - Total €4158 €300 a month
Halifax 580 - €50 a month
Prize Bonds 125
Shares €75 a Month
Other borrowings –
Credit Union –2000 -€82 a Month
Over Draft : €1400
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card?
1600 C.C. 1
1000 C.C 2
Expenditure : €300 Rent a Month
Do you have a pension scheme? Yes €125 a Month
€932 a month without clearing Credit Card –
Medical Expenses
Medicine/ €85 monthly ( max on Drug Purchase Scheme )
Doctor €50 monthly
Leisure Center /Gym €71
Spent nearly a Year out on Sick Leave
And further 5 months working Part – time on Return to Work – catching up since –
Medicine - € 85
Doctor €50
So I have got €1003 coming out a month - without me touching the credit card or trying to clear my Over draft –
I Think reason why I have let it get out of hand is I was sick 2 years ago and was out of work for nearly a Year , and then when I came back to work I had to work part time then for another 6 months, and did hit the cards a lot more than normal as I felt grateful to be able to spend if that makes sense
--Update I will be getting a Pay rise this Year – But I do not know how much percentage Yet and this wont come into Effect until November
Thing is – I have no Hope of getting on the Affordable housing Scheme to look for a house or anything
Cause all they will see that I’m constantly in over draft-
this sounds painful revealing this info - like peeling a layer - and putting it all out there for everyone to see
how badly i manage everything
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