nett disposable income now versus 3 years ago

newfrontier · 29-07-2014 8:56pm #1

Hi all, is it just me or I am seeing things I just did a quick calc on what the nett disposable income is now versus 3 years ago. By my calculations there is a 8% difference between then and now . 8% of my gross with property tax and water charges added to that make budgeting very tight ...its bordering crazy ..we as a group have taken a massive financial hit and the extra CP /HRA hours piled on top of that.

Is there any light at the end of this? What is the chance we will have a pay restoration element brought in before the next election? I see they have agreed to increase doctors pay so what is the prognosis for us? I am not holding for much but I would like some good news.

TheDriver · 29-07-2014 10:13pm

I think a pay claim wont be far away to be honest, might be at end of HRA

2011abc · 30-07-2014 1:39pm

You know the long Summer hols can have one slight catch, no money to do anything ! Would love even a few days in London , not a chance !

By the way OP you should compare it with SIX years ago ! And as for NQTs , well they're paid in STERLING!:-(

Peter Flynt · 30-07-2014 6:38pm

TheDriver wrote: »

I think a pay claim wont be far away to be honest, might be at end of HRA

Aren't there two "pay rises" of 735 due on April 1st 2017 and January 1st 2018 under Haddington Road (to pay for supervision and substitution)

We'd be hard pressed getting them to pay up for that. . . Never mind a pay claim.

TheDriver · 30-07-2014 8:32pm

True peter but a claim sets the tone

doc_17 · 31-07-2014 9:32am

TheDriver wrote: »

I think a pay claim wont be far away to be honest, might be at end of HRA

I think the end of HRA will bring another drive by the government to further erode pay and conditions. There seems to be no consequence for them doing it. They have tied their recent electoral performance to other issues and haven't made any link to 300000 public servants and their families being angry and generally pi**ed off.

They will say that we are getting €1500 over 2 years and that'll do us. If they do give it to they will tie it to more "productivity" in which case I would be in favour of them shoving it up their backside!

TheDriver · 31-07-2014 9:45am

Hence a pay claim could counter act any addition to what we are owed.

evolving_doors · 31-07-2014 10:00am

Definitely won't be any unplanned pay ' increase' for public sector this year or next year . If anything itll be done by a decrease in pension deduction or USC.

Also I would guess that a lifting of moratorium on posts or better ptr would ever come before a pay rise.

I think the thing that govt. needed to be seen to be doing most was driving down wages so it could claim it was reforming the Public Sector. The last thing they need as a headline is 'Public sector pay increases' ... the tabloids would have a field day.

TheDriver · 31-07-2014 10:18am

indeed, I think something will come, even if its the promised part of HRA for starters and decrease in pension levy etc. Once you reach over the 35k cutoff point, its about 60% gone for every penny earned after. Posts, even DP and P posts aren't worth it at the moment...............

doc_17 · 31-07-2014 1:54pm

Yeah it's disheartening to lose so much in taxes etc. but for the next 10 years there will be tough budgets due to EU legislation concerning debt levels. The budget deficit is only the start of it. Once it's down to

% there be focus on our 200bn debt pile. In the context of that they will keep attacking our wages, conditions and numbers because there hasn't been anything to dissuade them from coming after us. As for increases, can't see it for at least another 5 years.

Pwpane · 31-07-2014 6:23pm

TheDriver wrote: »

indeed, I think something will come, even if its the promised part of HRA for starters and decrease in pension levy etc. Once you reach over the 35k cutoff point, its about 60% gone for every penny earned after. Posts, even DP and P posts aren't worth it at the moment...............

Attack has always been the best means of defence.

I wonder though will what happened before (PCW? not sure) happen again - that any increases given are only given to management?

TheDriver · 31-07-2014 7:56pm

Pwpane wrote: »

Attack has always been the best means of defence.

I wonder though will what happened before (PCW? not sure) happen again - that any increases given are only given to management?

Don't think so, management in teaching is a post allowance and not a separate salary so it actually hits very little (take 750 odd schools). In fact there are a number of P and DP returning to teaching recently and saying bye bye to the allowance

Darwin · 31-07-2014 8:38pm

Sadly any future restoration of pay will be portrayed as a pay rise in the media and no doubt the incumbents will try and tie it to further productivity measures. 2017/18 is a long time to wait for restoration of pay in the face of increased taxation, and we are not in a period of deflation either. In the meantime, there is talk of of adjusting the income tax system in future budgets so people have more take home pay. One might even wonder if this means the financial emergency has passed and FEMPI legislation is no longer needed...fat chance!

Icsics · 31-07-2014 9:32pm

Pay rise.....?? We didn't get paid at all today!

Pwpane · 31-07-2014 10:27pm

Sure we're on holidays - why would we want to be paid??

TheDriver · 31-07-2014 10:36pm

Joys of an ETB-paid as normal today

rainbowtrout · 31-07-2014 10:46pm

Icsics wrote: »

Pay rise.....?? We didn't get paid at all today!

Lots of people didn't get paid today. It was a Bank of Ireland fcuk up. Stop being so dramatic.

Peter Flynt · 01-08-2014 1:52am

rainbowtrout wrote: »

Lots of people didn't get paid today. It was a Bank of Ireland fcuk up. Stop being so dramatic.

It's the responsibility of the DES to ensure teachers are paid ON TIME. . They have failed TWICE this year to ensure this occurs.

It is THEIR decision to use BofI.

Naturally, of course, they are more than willing to pass the buck.

Moody_mona · 01-08-2014 8:37am

Peter could you remind me when the other time was? I never remember it being a day late before, just later in the day. Thanks

Icsics · 01-08-2014 8:57am

It is 'dramatic' rainbow trout....direct debits out as normal, no pay

rainbowtrout · 01-08-2014 9:56am

Peter Flynt wrote: »

It's the responsibility of the DES to ensure teachers are paid ON TIME. . They have failed TWICE this year to ensure this occurs.

It is THEIR decision to use BofI.

Naturally, of course, they are more than willing to pass the buck.

And it is also beyond the DES control if Bank of Ireland IT systems did not work properly yesterday. It affected private sector workers too.

rainbowtrout · 01-08-2014 10:00am

Icsics wrote: »

It is 'dramatic' rainbow trout....direct debits out as normal, no pay

And the banks have said they will waive any charges rating to the delay which would presumably happen if a DD was applied to account where there was no money due to the error.

seavill · 01-08-2014 11:07am

Peter Flynt wrote: »

It's the responsibility of the DES to ensure teachers are paid ON TIME. . They have failed TWICE this year to ensure this occurs.

It is THEIR decision to use BofI.

Naturally, of course, they are more than willing to pass the buck.

Are you being serious with this post or have I missed a joke?

Peter Flynt · 01-08-2014 12:08pm

seavill wrote: »

Are you being serious with this post or have I missed a joke?

Very serious. . . It happened earlier this year too primary teachers. . . The DES are responsible 100% for the payment on time of their staff. Not any Bank.

rainbowtrout · 01-08-2014 12:47pm

Peter Flynt wrote: »

Very serious. . . It happened earlier this year too primary teachers. . . The DES are responsible 100% for the payment on time of their staff. Not any Bank.

For someone that teaches science and maths I'm amazed at your comments. It's completely illogical to suggest that it's the DES fault. Read the article in this morning's Irish Times. The file prepared by the bank was not completed properly yesterday so payments did not go through. This means the DES posted payment to the bank on time - their part of the transaction was complete, the bank made an error on their file. How you can attribute that fault to the DES is beyond me.

It's comments like the one above that the media love to jump on and which it's hard for the public to take public sector workers seriously.

Gardai, civil servants, teachers and private workers didn't get paid yesterday due to this banking fault.

Peter Flynt · 01-08-2014 12:58pm

rainbowtrout wrote: »

For someone that teaches science and maths I'm amazed at your comments. It's completely illogical to suggest that it's the DES fault. Read the article in this morning's Irish Times. The file prepared by the bank was not completed properly yesterday so payments did not go through. This means the DES posted payment to the bank on time - their part of the transaction was complete, the bank made an error on their file. How you can attribute that fault to the DES is beyond me.

It's comments like the one above that the media love to jump on and which it's hard for the public to take public sector workers seriously.

Gardai, civil servants, teachers and private workers didn't get paid yesterday due to this banking fault.

The DES choose to use BofI.

They screwed up earlier this year. There was no consequence because they screwed up again.

Therefore the DES should stop using BofI.

Your comments about the "media taking PS workers seriously" are juvenile.

comongethappy · 01-08-2014 1:08pm

Peter Flynt wrote: »

The DES choose to use BofI.

They screwed up earlier this year. There was no consequence because they screwed up again.

Therefore the DES should stop using BofI.

Your comments about the "media taking PS workers seriously" are juvenile.

So, a bank change every time an EFT error is made?

The dept would be running out of banks pretty soon....

Peter Flynt · 01-08-2014 1:12pm

comongethappy wrote: »

So, a bank change every time an EFT error is made?

The dept would be running out of banks pretty soon....

How many banks are there in the world?

Moody_mona · 01-08-2014 1:46pm

Peter, would you mind telling me when they missed a pay date earlier in the year.

TheDriver · 01-08-2014 1:52pm

talk about going off topic lads. The banking forum is dat a way>>>>>>>

rainbowtrout · 01-08-2014 2:01pm

Peter Flynt wrote: »

How many banks are there in the world?

Are you seriously suggesting that DES start banking outside the country if they worked their way through the 6 or 7 banks that operate in Ireland. Now that is juvenile.

And yes the media love to show public sector in a negative light so love to highlight illogical rants.

rainbowtrout · 01-08-2014 2:02pm

TheDriver wrote: »

talk about going off topic lads. The banking forum is dat a way>>>>>>>

Now now, no back seat driving!

TheDriver · 01-08-2014 2:17pm

rainbowtrout wrote: »

Now now, no back seat driving!

its like sitting in the office whilst parents fight with each other......

Peter Flynt · 01-08-2014 3:17pm

rainbowtrout wrote: »

Are you seriously suggesting that DES start banking outside the country if they worked their way through the 6 or 7 banks that operate in Ireland. Now that is juvenile.

And yes the media love to show public sector in a negative light so love to highlight illogical rants.

Why not?

If BofI can't get their act together . . .take the contract off them and give it to someone else.

The money is transferred digitally. . It's not as if someone from the DES arrives in a local BofI branch with a load of cash to pay teachers. .

seavill · 01-08-2014 3:32pm

In fairness changing bank as an individual is a bit of an ordeal with various different standing orders making sure everything goes right, which when I changed it didn't now multiply that by how many employees, creditors etc. its hardly a flick of a switch, then imagine how much giving out you would be doing if you didn't get paid because they changed bank.

It has happened once, maybe twice in how many years???? seriously get a grip

Most of the banks have had some form of technical issues at some stage over the last couple of years, remember Ulster bank a year or 2 back or was that the fault of the DES as well? I didn't get paid on time that time either but it went on far longer than a day, not the fault of the DES that time either.

Maybe take off the tinted glasses and see it for what it is, there will be plenty for you to blame the DES for in the coming months don't worry, however this problem isn't one

rainbowtrout · 01-08-2014 3:35pm

Peter Flynt wrote: »

Why not?

If BofI can't get their act together . . .take the contract off them and give it to someone else.

The money is transferred digitally. . It's not as if someone from the DES arrives in a local BofI branch with a load of cash to pay teachers. .

Ah so you now accept that it's Bank of Ireland's fault?

IT errors happen. So do human ones.

Peter Flynt · 01-08-2014 3:38pm

rainbowtrout wrote: »

Ah so you now accept that it's Bank of Ireland's fault?

IT errors happen. So do human ones.

The error occurred because of a lack of investment.

The responsibility for the error rests with BofI

The responsibility for the late payment of wages rests with the DES because it is the DES using the BofI.

rainbowtrout · 01-08-2014 4:32pm

Peter Flynt wrote: »

The error occurred because of a lack of investment.

The responsibility for the error rests with BofI

The responsibility for the late payment of wages rests with the DES because it is the DES using the BofI.

And errors caused by BofI are beyond the DES control and couldn't be predicted by the DES.

A lack of investment. I'm bursting myself laughing here, funniest thing I've read on here all day (aside from the Bridesmaidgate thread). Peter I'm not sure I'll ever be able to take any of your posts seriously on here anymore.

Be sure to take responsibility and resign your job the next time one of the kids in your class couldn't do one of his maths questions for homework because his calculator wouldn't work. Because obviously the fault will lie with you for the broken calculator.

Peter Flynt · 01-08-2014 4:57pm

rainbowtrout wrote: »

And errors caused by BofI are beyond the DES control and couldn't be predicted by the DES.

A lack of investment. I'm bursting myself laughing here, funniest thing I've read on here all day (aside from the Bridesmaidgate thread). Peter I'm not sure I'll ever be able to take any of your posts seriously on here anymore.

Be sure to take responsibility and resign your job the next time one of the kids in your class couldn't do one of his maths questions for homework because his calculator wouldn't work. Because obviously the fault will lie with you for the broken calculator.

Irish banks have not been investing in their IT systems over the past five years.

As I pointed out already - Primary teachers had their pay delayed.

THe DES should issue an apology and warn BofI that should this occur again they'll use someone else. Simple.

It's called accountability. . . Something which the Paddies don't do well.

Nice to see you comparing a child's broken calculator with the IT systems of a bank.

evolving_doors · 01-08-2014 11:20pm

MOD WARNING:

Keep it down up there I'm trying to reflect...

Yissr all off topic anyhow BTW..

"nett disposable income now versus 3 years ago"

go ahead next caller

nett disposable income now versus 3 years ago

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