Money Worries

LegacyUser

Hi im 22 years old, living with my fiance who is 26 been together nearly 4 and a half years.

We both work except my hours have been cut WAY back latley and im coming out with 250 A MONTH! His hours were cut a little too but he still brings home 360 a week. But after rent, food and bills we come out with very little left fo the week. We had planned a little trip away next week and had money saved up for it but then i got sick and we had to use a good bit of that money on doctor trips and perscriptions

Im just so down about it

dudara

Of course you're feeling down about it.

Is there any possibility of you being able to find alternative work? Another part-time job, or a new job completely?

AngryBadger

dudara wrote: »

Is there any possibility of you being able to find alternative work? Another part-time job, or a new job completely?

+1

Any particular reason your hours were cut down? €250 a month is retarded, you'd be better off handing in your notice, looking for another position, and claiming social welfare in the meantime.

Meathlass

250 a month - that's 85 euros a week or at minumum wage levels, 10 hours a week, that's barely even a part time job. You need to find a job which will give you full time hours because at 85 euros a week, loath as I am to say it you'd be better off on the dole. What do you and your fiancee do that your hours have been cut so drastically?

Anti

dudara wrote: »

Of course you're feeling down about it.

Is there any possibility of you being able to find alternative work? Another part-time job, or a new job completely?

Only option to be honest. 250€ a month is not enough to live on. Same goes for yoru boyfriends salary too. Would be no harm in the pair of you looking for new work that pays a bit better. I myself would earn more than double what you and your fella earn together, and herself the same. And money can still be tight at times for us. But thats usually because of buying stupid things and wasting money.

A good way to help for now is to write yout a budget per week like this:

1. ESB - 25€
2. Gas - 30€
3. Bus/Luas money - 20€

ITs a good way to put it into perspective, and try and set a overall budget for the week and stick to it.

Miss Fluff

That means after tax you are on a salary of €3k per annum. Regardless of your skill set there are plenty of jobs out there which will pay you a decent wage, i.e. bar work/retail assistant roles. You should think about applying for these, where is the motivation in working for so little money, no wonder you are feeling down. You obviously have internet access so get yourself on the likes of www.jobs.ie and start searching today.

Clink

I agree that trying to find a new job is the way to go.

In the mean time could you maybe do something in your free time that pays cash in hand? Like put an ad in your local shop volunteering yourself for cleaning or ironing or grass cutting. Or even dog walking. There are lots of ways out there to make a bit of extra cash, you just have to go looking for them

Ronaldo2

Ya, you definitely need to change jobs altogether or get another part time job. its simply not feasible to live off that kind of money in Ireland today.

FibbersON

Ring MABS, 1890 283 438, ask them to send you a money management guide. It tells you how to budget and plan your money in simple plain english, and it's free!

Heisenberg.

This post has been deleted.

Meathlass

FibbersON wrote: »

Ring MABS, 1890 283 438, ask them to send you a money management guide. It tells you how to budget and plan your money in simple plain english, and it's free!

It's not actually feasible to live on 250 a month though, as I said before you'd get close to 800 a month on the dole. OP get a different job, In my local paper, a small rural town , there were 6 jobs for shop assistants this week, all full time. There is work out there. Unless your company is willing to restore your hours then just leave.

dr.bollocko

What The Scientist said.
Go on the dole FFS, you need more money coming in than that a month!

Clink

FibbersON wrote: »

Ring MABS, 1890 283 438, ask them to send you a money management guide. It tells you how to budget and plan your money in simple plain english, and it's free!

MABS are great and all but I think the OP must be fairly good at budgeting already if she can survive on so little per month. Maybe a trip to the local Fas centre would be more relevant.

LegacyUser

Meathlass wrote: »

What do you and your fiancee do that your hours have been cut so drastically?

we didnt do anything its the recession

LegacyUser

The Scientist wrote: »

You can get €760 a month from Social Welfare so my advice is to drop that part time job asap.

I had considered that but if i leave my job i wont get paid for 9 weeks and even so i wouldnt get much as i live with my fiance(i was told this by them)

Ive been looking all over for jobs but there seems to be none around that want me, i dont have bar skills and the only jobs iv really had before was in a fast food place and none of them are hiring.Ive registered with fas and all and go in every day about new jobs.

My fiance has been in his job 2 years and is quite happy there, he was in collage getting a degree for 4 years and i wouldnt want him to leave a job in which he did a degree for.He had enough trouble getting his job in the first place.

I know its just this recession and in a few months everything will be ok but for now its a real struggle, we do budget and spend as little as we can, and save as much as we can, but like i said our savings for our holiday wer spent on my doctor bills, and i was refused a medical/ gp card so i had to pay it

LegacyUser

AngryBadger wrote: »

+1

Any particular reason your hours were cut down?

recession

chuckles30

As you're only working so few hours, you should be able to claim social welfare for the time you're not working.

dudara

Cohabiting couples are not assessed as individuals by the social welfare. This means that the earning person's salary can be considered enough to support both people. (I'm not sure of the exact procedure and figures). In reality, the one salary may not be anywhere near enough, as the assessment does not take expenditure like rent into account.

Can you register on a training course with FÁS and get some skills upgrade? You may also be eligible for benefits while on the course.

LegacyUser

chuckles30 wrote: »

As you're only working so few hours, you should be able to claim social welfare for the time you're not working.

I tried and im not entitled to anything as i live with my partner

RealistSpy

MUMIMJKJ wrote: »

I tried and im not entitled to anything as i live with my partner

I know what you are going through honestly and its affecting my relationship.