Age: 22
Salary: just dropped to a 3 day week, so I am approxing at €240 per week (€1040 per month)
Living with my partner, also 22, working a 3 day week also. All bills and rent etc. split down the middle. We also have a third tenant in the house which helps.
Savings: €700 in CU, €600 current account
Outgoings:
Rent (monthly) €225
Car Tax (3 monthly - €48 euros)
Car Insurance: renewal date is 6th April, €371 euros. Will pay in 1 go.
Sky TV (split in 3) €18.00 per month
ESB, Bord Gais: approx €40 a month each
Food, petrol: approx €200 per month, might be less now with not having to travel to work 2 days a week but will have to wait and see.
CC Debt: €1800 (meeting all min repayments with little extra each month)
Overdraft: €750
Car Loan: €239.80 P/m (fixed - 9 monthly payments remaining)
Heres the deal - Work cut me to 3 days on Friday, starting immediately. Meaning this weeks pay cheque will be my last big one for a long time. I am estimating to come home with approx 240 per week. They provided me with a letter for the Social Welfare Office in case I need to go and claim for my lost days. They have also stressed to me that I will be working Sundays as a given day (apparently this will help with the Social??) and any 2 other days in the week.
Despite being heartbroken, I'm even more crushed that my little part time work on the side have no hours for me AT ALL for a few weeks (then its in to holiday cover). So at present there is no chance of extra income to avoid the Social Welfare Offices.
I'm in a heap over my debt. I was making good progress since christmas when I posted last and had gotten everything down a little plus finally got some savings into the CU which I hadnt before. I set up a standing order for 100 a week to the CU and it was working. Now thats not going to be possible.
Question 1: What will I be entitled to? Is my partner entitled to anything now that we are both on 3 day weeks? How much approx per week can the Social Welfare provide to us? And what did work mean by Sundays being better for me? Will I be entitled to a Medical card? Really frightened to cancel my health insurance but its 55 a month, I have to.
Question 2: Any advice on the debt pile now that circumstances have changed? I am cancelling my health insurance, cancelling our Pet insurance (20 per month). Got a great renewal quote for my car insurance as per above (last year was 800 euros) which is up for renewal on the 6th April so that will come from the savings in my current account next week. This morning I changed the Standing order to the CU amount to €50 per week. Hopefully I can manage that for a while.
HELP!
Salary: just dropped to a 3 day week, so I am approxing at €240 per week (€1040 per month)
Living with my partner, also 22, working a 3 day week also. All bills and rent etc. split down the middle. We also have a third tenant in the house which helps.
Savings: €700 in CU, €600 current account
Outgoings:
Rent (monthly) €225
Car Tax (3 monthly - €48 euros)
Car Insurance: renewal date is 6th April, €371 euros. Will pay in 1 go.
Sky TV (split in 3) €18.00 per month
ESB, Bord Gais: approx €40 a month each
Food, petrol: approx €200 per month, might be less now with not having to travel to work 2 days a week but will have to wait and see.
CC Debt: €1800 (meeting all min repayments with little extra each month)
Overdraft: €750
Car Loan: €239.80 P/m (fixed - 9 monthly payments remaining)
Heres the deal - Work cut me to 3 days on Friday, starting immediately. Meaning this weeks pay cheque will be my last big one for a long time. I am estimating to come home with approx 240 per week. They provided me with a letter for the Social Welfare Office in case I need to go and claim for my lost days. They have also stressed to me that I will be working Sundays as a given day (apparently this will help with the Social??) and any 2 other days in the week.
Despite being heartbroken, I'm even more crushed that my little part time work on the side have no hours for me AT ALL for a few weeks (then its in to holiday cover). So at present there is no chance of extra income to avoid the Social Welfare Offices.
I'm in a heap over my debt. I was making good progress since christmas when I posted last and had gotten everything down a little plus finally got some savings into the CU which I hadnt before. I set up a standing order for 100 a week to the CU and it was working. Now thats not going to be possible.
Question 1: What will I be entitled to? Is my partner entitled to anything now that we are both on 3 day weeks? How much approx per week can the Social Welfare provide to us? And what did work mean by Sundays being better for me? Will I be entitled to a Medical card? Really frightened to cancel my health insurance but its 55 a month, I have to.
Question 2: Any advice on the debt pile now that circumstances have changed? I am cancelling my health insurance, cancelling our Pet insurance (20 per month). Got a great renewal quote for my car insurance as per above (last year was 800 euros) which is up for renewal on the 6th April so that will come from the savings in my current account next week. This morning I changed the Standing order to the CU amount to €50 per week. Hopefully I can manage that for a while.
HELP!