Hey,
You are close enough on those numbers, but those are just base (ex overtime) i will have approx €350 left per month now but i will recieve an increase in benefits of 33% this Christmas, this is guarneteed, that will cover esb, extra petrol etc easily, also bills will be split, i have been able to afford my mobile, car etc every without any issues, another question through and i have additional expenditure i can easily stop to coever other things... I already have a slush fund of just over 5k, i just bough a new (2nd hand) car that is fine, repair cars as a side line so i'm not to worried there.
Your opinion on this though, If you fix your mortgage as far as i know you cannot over pay, would you recommend over paying and staying variable or fixing and saving the extra to a RaboDirect Account, Currently 3.70%. Mortgage Rate is 4.1 for the first two years now, going to 4.5 after two years.
Thanks