Questionsquest
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Really? I just looked on Daft for non site properties up to €75k (they don't offer €80k as max price filter option) and most of the 190 results were uninhabitable.check daft/my home or cheap Irish homes and see what prices are.
You’d be surprised what is available for under €80k around the country.
I would expect that many of those would require massive refurb, or may be in less accessible locations so transport costs would greatly increase and job opportunities msy be reduced. Its one thing living in a little town in rural ireland but another thing to live a few kms out, particularly in a single parent household.check daft/my home or cheap Irish homes and see what prices are.
You’d be surprised what is available for under €80k around the country.
Ignore this.check daft/my home or cheap Irish homes and see what prices are.
You’d be surprised what is available for under €80k around the country.
The cheap Irish home would have more habitable properties but there is a few which would need a little upgrade to make habitable.Really? I just looked on Daft for non site properties up to €75k (they don't offer €80k as max price filter option) and most of the 190 results were uninhabitable.
Location may not be the best but younever know the op situation or desire to live rural.I would expect that many of those would require massive refurb, or may be in less accessible locations so transport costs would greatly increase and job opportunities msy be reduced. It’s one thing living in a little town in rural ireland but another thing to live a few kms out, particularly in a single parent household.
If OP can stay part-time and return to education, they might have a really good opportunity to increase their salary which is the best way to position themselves for a mortgage. Theyve done extremely well to save that amount and if they can get their gross to 35k + they would definitely have more options and could continue to build up their savings. Very impressive how well theyve done on their current income.
Why ignore this ?Ignore this.
Please anyone? Am I doomed to just be waiting for a council house, I really want a home
I find this difficult to believe to be honest.if I work another job the tax be crazy I did it before and was basically working for free and didn’t get literelly any loan parents at all nothijg
With One Parent Family payment, it can be like "free" working.I find this difficult to believe to be honest.
OP is struggling to find something to rent already. Personally I would rush to increase my earnings to increase the chances to find something to rent and then to buy.Don't be rushing.
Ok - thanks for outlining the situation in this regard.With One Parent Family payment, it can be like "free" working.
€165 of earnings are not regarded. After that, 50% of earnings are used for means test calculation. I suspect the OP is on circa €200 from his/her earnings, possibly already eating a little into the OPF payment with a fiver deducted and a net €215
If the OP works another 16 hours and earns another €200 a week, a further €115 is deducted bringing the OPF payment to €100. and giving a net €85 for the additional 16 hours a week
This possibly brings the OP into PRSI & USC on all income, so net gain would be neglible.
I think lone parents stops when youngest child is 7 right? Not sure how thst would work if transitioning onto another payment and if OP would be down money at that stage.With One Parent Family payment, it can be like "free" working.
€165 of earnings are not regarded. After that, 50% of earnings are used for means test calculation. I suspect the OP is on circa €200 from his/her earnings, possibly already eating a little into the OPF payment with a fiver deducted and a net €215
If the OP works another 16 hours and earns another €200 a week, a further €115 is deducted bringing the OPF payment to €100. and giving a net €85 for the additional 16 hours a week
This possibly brings the OP into PRSI & USC on all income, so net gain would be neglible.
For the OP, don't be embarrassed about trying for a council house or long term HAP rental.
I'd concentrate on providing as much support and education for your child, that in itself is a worthy "career". If your child reaps the rewards of the fairly good and nearly free education system in Ireland they can be in good employment in 15 or so years time. Similarly for yourself, maybe look at online learning and as your child grows up, the results of the learning can open a new career path for you.
Don't be rushing.
Not the main issue/question here but I would suggest that you be very careful dealing with financial advisors on social media - they may be genuine but there is a significant risk of engaging with scammers via such online channels. And obviously be wary of anybody suggesting anything that seems too good to be true as that's a big red flag.was told by a mortgage broker on Instagram I will never get a mortgage on 20k a year
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