OK - I wasn't sure. You were renting to a friend who got tardy with the rent or something if I recall correctly?
Could you take another part time job to earn more cash?
Saving for a Study Year - How long should it take to save €12,000
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Yes, that's right Clubman. I think my landlady days are over
) I find paying the mortgage myself a bit of a struggle. Although by recent standards it's probably not too bad at €1,100 a month.I was thinking about this - but as a civil servant I'm not too sure that I am allowed
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Could you take another part time job to earn more cash? I was thinking about this - but as a civil servant I'm not too sure that I am allowed
yes you are right, as a civil servant it's hard enough to fill a day out doing very little
imagine the strain if you took on a real job too
hehe only joking............
yes you are right, as a civil servant it's hard enough to fill a day out doing very little
imagine the strain if you took on a real job too
hehe only joking............
Hope you are joking. I work from 9am to 6pm five days a week and take 40 minutes for my lunch and no tea breaks because I work in a hectic, hectic, hectic office. Sorry to debunk your civil service myth
Well done. EBS might be a good bet for their regular saver as they seem to have as good a rate as others (7%) and not so many restrictions. Can you (if you want!) post an update on where you stand generally as I can't figure it all out from this and other threads?
Huh!?
Re: Saving for a Study Year - How long should it take to save €12,000
If I bought a piece of jewelery for say, 600€ and i brought it back to the pawn shop or another a year later, would i not get more than 600€??Huh!?
Re: Saving for a Study Year - How long should it take to save €12,000
(i) Buy Gold and hold it until Sep 2008
(ii) When Sep 2008 arrives resell it for a higher price, (because i thought gold would go up in price/value in one year). This would yield some quick cash, instead of saving up all the money.
Do you know what i mean? (Is was just a suggestion)
ClubMan - the OP is trying to save 12k, Isn't (s)he? What i'm saying is:What the hell has that got to do with anything in this thread?
(i) Buy Gold and hold it until Sep 2008
(ii) When Sep 2008 arrives resell it for a higher price, (because i thought gold would go up in price/value in one year). This would yield some quick cash, instead of saving up all the money.
Do you know what i mean? (Is was just a suggestion
)Sounds risky to me - gold prices could fall and the retail market for gold for a small investor is most likely inefficient which means that there is a significant risk of losing money due to trading costs or not paying/getting a fair price (especially in pawn shops). I don't think that your suggestion is very prudent or suitable to be honest.
Re: Saving for a Study Year - How long should it take to save €12,000
Fair enough - Could it be better to buy from a pawn shop, wait a while, and then auction it on ebay/amazon? At least that way you're under no pressure to sell quickly, As i hear pawn brokers a excellent at talking you into selling your stuff to them. (not sure there's truth to it though)
Re: Saving for a Study Year - How long should it take to save €12,000
I agree! - Now that i see (s)he seems to be doing quite well.
Do you mean where I stand generally re: finances? Salary: €50k gross per annum Mortgage: €900 a month ESB &; Gas: average €120 a month Savings: €300 per month to regular saver plus whatever else I can spare bunged in to Rabo Doctors / prescriptions: €100 average per month Standing Order to charity: €50 a month Visa: I usually spend €400 to €500 a month but generally clear it off every month Mobile: About €40 a month Property Maintenance Fee: €2000 per annum Tv Licence: €158 per annum The rest all goes on food, socialising, travel etc..... I don't have cable tv or a landline so no bills there
If you really want to do this in the timeframe you need to, you might want to get a bit ruthless with yourself. I suggest that you keep an exact record of your spending for a month at least, exactly, down to the cent, what you spend, what you spend it on and when you spent it. Categorise it, food, travel, Phone, whatever, and at the end of the month, take a good, long look at it and some of it might surprise you. I don't mean any estimates, I mean an account exact to the cent and date. Figure out what you needed and what you didn't need. (€120 a month for ESB and Gas seems high)
The best way of saving is to not spend what you have. Any interest (though welcome) in this particular case won't be huge, so I'd suggest you concentrate on spending less, rather than earning more from interest.
Good luck with it.
The best way of saving is to not spend what you have. Any interest (though welcome) in this particular case won't be huge, so I'd suggest you concentrate on spending less, rather than earning more from interest.
Good luck with it.