G
Generous
Guest
Age: 27
Spouse’s/Partner's age: 30
Annual gross income from employment or profession: 51000
Annual gross income of spouse:24000
Type of employment: e.g. Civil Servant, self-employed
Private sector
In general are you:
(a) spending more than you earn, or
Other borrowings – car loans/personal loans etc: 11000
Do you pay off your full credit card balance each month?
If not, what is the balance on your credit card? yes
Savings and investments: 5000
Do you have a pension scheme? yes
Do you own any investment or other property?
Ages of children: 7months and 7 years old
Life insurance:no for me partner does.
Not a married couple we have been with each other for the past 8 years now.
Every month after getting payed I end up with between 3100/3300 in my account, I pay 1400 in rent every month, 50 for NTL, 200 to the credit union ( savings ) 277 for our car loan repayment, ESB average 200
1400/50/200/277 => 1927 - leaves around 1300euro's left.
We are trying to save for a house finding it absolutley impossible to save anymore than 200 Euro's per month as with kids something always comes up.
Doctor maybe once every two months 60euro's and medication 30 =>90E
Food shopping 200Euro's per week mix between lidl and tesco =>800E
Petrol 25Euro's per week => 100
1300 - 990 => 340 left for the month
Food in work say 35E per week =>140 Per month
200Euro's left.
I have no problems with paying all the bills, but something isn't right here.
Another thing that is really annoying me i'm a dad and with absolutley no entitlements what so ever, nor the possibility to take extra tax credits either.
My partner she only works part-time at the moment due to the small ones as previously she worked 4days a week.
Her bills are fairly chunky credit union loan of 7k left to pay off, and she will not consider looking for a new mobile phone carrier as she has been with o2 for 8 years and pays around 50/75Euro's per month.
Rang up the tax office several times before ignorant and very reluctant to provide any information.
Health insurance is another thorn in my side pay 185E per month for this via corporate sheme.
The only solution i can see is trying to get the missus back into full time employement again but the other end of the stick is childcare bills and in dublin they are in the region of 500Euro's per month to 1000Euro's per month for the baby and at this price its hardly worth her while going back to work fulltime again..
Sseriously considering packing up and leaving this country in search for a more comfortable life style, compared to rip off Ireland.
As i'm paying 1400Euro's in rent which i would have no problems in paying a mortgage instead but at the moment its dead money.
Living in this place for the past 2years 33600Euro's paid in rent..
Spouse’s/Partner's age: 30
Annual gross income from employment or profession: 51000
Annual gross income of spouse:24000
Type of employment: e.g. Civil Servant, self-employed
Private sector
In general are you:
(a) spending more than you earn, or
Other borrowings – car loans/personal loans etc: 11000
Do you pay off your full credit card balance each month?
If not, what is the balance on your credit card? yes
Savings and investments: 5000
Do you have a pension scheme? yes
Do you own any investment or other property?
Ages of children: 7months and 7 years old
Life insurance:no for me partner does.
Not a married couple we have been with each other for the past 8 years now.
Every month after getting payed I end up with between 3100/3300 in my account, I pay 1400 in rent every month, 50 for NTL, 200 to the credit union ( savings ) 277 for our car loan repayment, ESB average 200
1400/50/200/277 => 1927 - leaves around 1300euro's left.
We are trying to save for a house finding it absolutley impossible to save anymore than 200 Euro's per month as with kids something always comes up.
Doctor maybe once every two months 60euro's and medication 30 =>90E
Food shopping 200Euro's per week mix between lidl and tesco =>800E
Petrol 25Euro's per week => 100
1300 - 990 => 340 left for the month
Food in work say 35E per week =>140 Per month
200Euro's left.
I have no problems with paying all the bills, but something isn't right here.
Another thing that is really annoying me i'm a dad and with absolutley no entitlements what so ever, nor the possibility to take extra tax credits either.
My partner she only works part-time at the moment due to the small ones as previously she worked 4days a week.
Her bills are fairly chunky credit union loan of 7k left to pay off, and she will not consider looking for a new mobile phone carrier as she has been with o2 for 8 years and pays around 50/75Euro's per month.
Rang up the tax office several times before ignorant and very reluctant to provide any information.
Health insurance is another thorn in my side pay 185E per month for this via corporate sheme.
The only solution i can see is trying to get the missus back into full time employement again but the other end of the stick is childcare bills and in dublin they are in the region of 500Euro's per month to 1000Euro's per month for the baby and at this price its hardly worth her while going back to work fulltime again..
Sseriously considering packing up and leaving this country in search for a more comfortable life style, compared to rip off Ireland.
As i'm paying 1400Euro's in rent which i would have no problems in paying a mortgage instead but at the moment its dead money.
Living in this place for the past 2years 33600Euro's paid in rent..