As ever ... saving while carrying debt makes no sense in this sort of situation. Use your savings to reduce/clear your debts and only worry about saving again when you are clear.Other borrowings – car loans/personal loans etc: Personal loan with credit union - €4500 - I'm paying in €40 a week.
I own my car.
Do you pay off your full credit card balance each month? No, i pay about €20 a week.
If not, what is the balance on your credit card? €900
Savings and investments:
Credit union savings of €1500 - I put in €5 a week.
Rabobank savings of €400 approx - I put in €10 a week
Are you paying for the day to day cover is it really worth it ?I know i can claim 20 of the GP bill back on the VHI, but that takes ages.
OP,
I ended up in hospital for 3 weeks needed every test under the sun and finally major surgery on a vital organ. My hospital bill was over €7,000 and it was never a worry as it was totally covered by vhi..
Definitely think of taking in a lodger on rent a room scheme.. even if only for a year..you might end up with a new friend out of it as an extra bonus!
But - that 7000 cost was because you went private. You could have had the op and tests for free if you weren't insured. You would have been charged 60 euro per night (capped at 600 euro in any year) for using the bed.
For a young single person I feel health insurance is an added extra that could be done without if income is tight.
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