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What happens if I can't afford any more tax increases ?

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    #122
    Dudess
    Closed Accounts Posts: 37,214 ✭✭✭✭Dudess


    Echospace wrote: »
    I think it's crazy and completely backwards that the people actually contributing money into the country's finances through PAYE (I presume you are both private sector workers), are struggling. And yet the social welfare class who contribute nothing, but extract money from the country, are fine.
    They're "fine"? How do you know that?
    The public/civil service, who are still being paid 28% higher than the average private industrial wage, and who also contribute nothing towards the country's finances (and the concept of public sector "tax" is laughable) are protected by union agreements.
    Depends what they're doing, where in the public sector they're working. An administrator, for instance, could stand to earn far less than a counterpart of theirs in the private sector. My father was an engineer with the council - had he worked in the private sector he would have been on WAY more than he earned with the council.


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    #123
    Slydice
    Registered Users Posts: 10,501 ✭✭✭✭Slydice


    op, do you ever go to the pub? do you spend any money on hobbies?


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    #124
    Rabidlamb
    Banned (with Prison Access) Posts: 2,202 ✭✭✭Rabidlamb


    Slydice wrote: »
    op, do you ever go to the pub? do you spend any money on hobbies?

    Nope, maybe once a month if I'm honest.
    I have a few cans & a bottle of wine max a week.
    I gave up the smokes ages ago cause I couldn't afford them.
    I used to play golf but gave that up once the kids arrived.

    My wife & kids but mainly my wife are costing me a fortune.
    I think I need to take full control of the purse strings.
    It's wallet strings from now on.


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    #125
    HarryPotter41
    Registered Users Posts: 1,402 ✭✭✭HarryPotter41


    Rabidlamb wrote: »
    Nope, maybe once a month if I'm honest.
    I have a few cans & a bottle of wine max a week.
    I gave up the smokes ages ago cause I couldn't afford them.
    I used to play golf but gave that up once the kids arrived.

    My wife & kids but mainly my wife are costing me a fortune.
    I think I need to take full control of the purse strings.
    It's wallet strings from now on.


    Great, 6 months time you'll be on here looking for relationship advice. Btw, have you looked at the health insurance package you have with regard to what it covers in relation to most likely need, with regard to your own age and your soon to be ex wifes ( if ya keep going the way you're posting on here ) age as well as most likely need in childrens cover to see if any savings can be made there?


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    #126
    Greentopia
    Registered Users Posts: 3,221 ✭✭✭Greentopia


    Rabidlamb wrote: »
    My wife & kids but mainly my wife are costing me a fortune.
    I think I need to take full control of the purse strings.
    It's wallet strings from now on.

    Uh, you're not going to say it like that to her though are you?? because I can tell you now that's not going to go down well if you take that line with the missus.
    If she's working she's entitled to spend her own money as she wants-while still contributing her fair share to the household of course.

    I'd be well p*ssed off if my partner told me he was "taking full control of the purse strings"...after I stopped laughing that is :P


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    #127
    Rabidlamb
    Banned (with Prison Access) Posts: 2,202 ✭✭✭Rabidlamb


    Greentopia wrote: »
    Uh, you're not going to say it like that to her though are you?? because I can tell you now that's not going to go down well if you take that line with the missus.
    If she's working she's entitled to spend her own money as she wants-while still contributing her fair share to the household of course.

    I'd be well p*ssed off if my partner told me he was "taking full control of the purse strings"...after I stopped laughing that is :P

    No, I'll be a bit more subtle.
    I might suggest I that I take over the responsibility for doing the bills.
    Make it sound like doing her a favour.
    I'll suggest we allocate ourselves discretionary spending money at the beginning of the week (pocket money for grown ups).


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    #128
    smash
    Closed Accounts Posts: 34,809 ✭✭✭✭smash


    Simple solution for you. Create 3 bank accounts, 1 for you, 1 for her, 1 joint. You get paid into your account, she gets paid into hers. Have the mortgage, bills and childcare costs split down the middle and deposited to the joint account every month.

    The remains of your salary is yours, the remains of her salary is hers... after 1-2 months you'll see who has more money left in their account and then you'll know where the money is going.


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    #129
    Mr Benevolent
    Closed Accounts Posts: 12,456 ✭✭✭✭Mr Benevolent


    steve06 wrote: »
    Simple solution for you. Create 3 bank accounts, 1 for you, 1 for her, 1 joint. You get paid into your account, she gets paid into hers. Have the mortgage, bills and childcare costs split down the middle and deposited to the joint account every month.

    The remains of your salary is yours, the remains of her salary is hers... after 1-2 months you'll see who has more money left in their account and then you'll know where the money is going.

    A good idea.


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    #130
    HarryPotter41
    Registered Users Posts: 1,402 ✭✭✭HarryPotter41


    steve06 wrote: »
    Simple solution for you. Create 3 bank accounts, 1 for you, 1 for her, 1 joint. You get paid into your account, she gets paid into hers. Have the mortgage, bills and childcare costs split down the middle and deposited to the joint account every month.

    The remains of your salary is yours, the remains of her salary is hers... after 1-2 months you'll see who has more money left in their account and then you'll know where the money is going.

    Excellent idea, I am single and I have two accounts. Worked out my weekly average on all my regular bills and that stays in one while the remainder goes into the other account out of which I buy petrol, food and anything else I need. That way I know exactly where I stand ( or fall )


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    #131
    knird evol
    Banned (with Prison Access) Posts: 1,007 ✭✭✭knird evol


    Rabidlamb wrote: »
    No, I'll be a bit more subtle.
    I might suggest I that I take over the responsibility for doing the bills.

    i think she'll subtly suggest that she's going to take over responsibility for when you have sex


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    #132
    thebigbiffo
    Registered Users Posts: 2,941 ✭✭✭thebigbiffo


    RobbieTheRobber wrote: »
    And eh you have a copy of the budget for 2011 do you?

    The measures included have already been applied to your wage have they?

    there will be tax increases. you know it, i know it and everybody else knows it. :rolleyes:


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    #133
    Amhran Nua
    Closed Accounts Posts: 4,124 ✭✭✭Amhran Nua


    Dudess wrote: »
    An administrator, for instance, could stand to earn far less than a counterpart of theirs in the private sector. My father was an engineer with the council - had he worked in the private sector he would have been on WAY more than he earned with the council.
    Actually as a general trend pay is more or less equal between the public and private sector at the higher levels, at the mid and lower levels is where the disparity becomes very pronounced. Don't ask me to dig out the report now though, I'm fed up looking at them. Also your father probably had job security and a pension that would have taken a hefty chunk out a private sector wage, both of which are valuable benefits.


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    #134
    phasers
    Registered Users Posts: 18,159 ✭✭✭✭phasers


    reading all these "money saving tips" makes me realise how poor I am.


    I do all this stuff already, a step down for me would be freeganism. Consider it OP, one man's trash etc


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    #135
    Blackpitts
    Registered Users Posts: 780 ✭✭✭Blackpitts


    Rabidlamb wrote: »
    Who is taking all my money ?.

    do you have a laptop? do you monitor your back account and your CC?
    then use any of the expense tracker programs out there, I have one on my iphone and I can tell at the end of each month/year where every single penny is going and where do I need to cut some expenses.
    You just need to be constant and update it every time you spend money or a bill is coming in.
    try this one for example, it's free
    http://www.expensestrackr.com/


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    #136
    Yag reuoY
    Closed Accounts Posts: 214 ✭✭Yag reuoY


    The Irish are generally very poor at managing their finances.


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    #137
    gsxr1
    Closed Accounts Posts: 3,167 ✭✭✭gsxr1


    http://www.lidl.ie/ie/home.nsf/pages/i.home

    there is 40 quid a week.... Saved!!


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    #138
    pickarooney
    Moderators, Arts Moderators Posts: 35,195 Mod ✭✭✭✭pickarooney


    Blackpitts wrote: »
    do you have a laptop? do you monitor your back account and your CC?
    then use any of the expense tracker programs out there, I have one on my iphone and I can tell at the end of each month/year where every single penny is going and where do I need to cut some expenses.
    You just need to be constant and update it every time you spend money or a bill is coming in.
    try this one for example, it's free
    http://www.expensestrackr.com/

    Stop buying overpriced phones and use a pen and paper for starters :pac:


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    #139
    Qualitymark
    Closed Accounts Posts: 6,824 ✭✭✭Qualitymark


    Blackpitts wrote: »
    expense tracker programs out there, I have one on my iphone

    What's the app?


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    #140
    knird evol
    Banned (with Prison Access) Posts: 1,007 ✭✭✭knird evol


    that seems to involve uploading your finances to a website. whats the point of that. a spreadsheet or the back of an envelope would do as well


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    #141
    syklops
    Closed Accounts Posts: 18,966 ✭✭✭✭syklops


    Qualitymark wrote: »
    What's the app?

    And how much does it cost?


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    #142
    galwayrush
    Registered Users Posts: 12,815 ✭✭✭✭galwayrush


    Self employed here, kids going to school, wife can't work ( cancer) can't get social welfare or a medical card, last week, i took home 140 euro.
    No way can i pay any more taxes,stealth or otherwise. what will they do, send me to prison? At least then wife and kids would have to be looked after by the state.


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    #143
    mickdw
    Registered Users Posts: 23,285 ✭✭✭✭mickdw


    I think OP you have become used to the good times and are struggling to cut back that little bit. There does seem to be room for cut backs in your budget anyway.
    Ok so no drinking as such, cheap sky package, manageable mortgage, no car loans, I dont know, cocaine habit maybe?


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    #144
    mickdw
    Registered Users Posts: 23,285 ✭✭✭✭mickdw


    galwayrush wrote: »
    Self employed here, kids going to school, wife can't work ( cancer) can't get social welfare or a medical card, last week, i took home 140 euro.
    No way can i pay any more taxes,stealth or otherwise. what will they do, send me to prison? At least then wife and kids would have to be looked after by the state.

    The self employed welfare system is a joke. You should be entitled to everything going. I feel you would probably go to prison sooner that sean fitzpatrick and co.


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    #145
    phill106
    Registered Users Posts: 6,810 ✭✭✭phill106


    starbelgrade wrote: »
    Duh. That's obvious... coke & hookers.

    Indeed, if not by you, then by her.


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    #146
    seamus
    Registered Users Posts: 68,317 ✭✭✭✭seamus


    mickdw wrote: »
    The self employed welfare system is a joke. You should be entitled to everything going. I feel you would probably go to prison sooner that sean fitzpatrick and co.
    For a country which prides itself on creating entrepreneurs and our big home-grown multinationals (Kerry Foods, etc), we treat self-employed people shockingly bad. PAYE workers automatically get double the tax credits of self employed people. For nothing. PAYE workers are effectively cushioned in the event that their job goes belly up. Self employed people, who are quite definitely in a much more vulnerable position, are left out in the rain if their business fails.

    I dunno, we claim to encourage enterprise and ideas but we don't make it remotely attractive for anyone to leave the PAYE workforce. As my brother keeps saying now since he moved into employment 2 years ago after 8 years of self-employment - "I was a mug working for myself".
    Simple solution for you. Create 3 bank accounts, 1 for you, 1 for her, 1 joint. You get paid into your account, she gets paid into hers. Have the mortgage, bills and childcare costs split down the middle and deposited to the joint account every month.

    The remains of your salary is yours, the remains of her salary is hers... after 1-2 months you'll see who has more money left in their account and then you'll know where the money is going.
    Split down the middle wouldn't be entirely fair. He earns 14% more than she does and it all comes out of the same pot at present. So for your experiment to work properly he should pay 54% of all expenses and she should pay the balance.


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    #147
    coffee_cake
    Moderators, Category Moderators, Politics Moderators, Recreation & Hobbies Moderators, Society & Culture Moderators Posts: 81,309 CMod ✭✭✭✭coffee_cake


    seamus wrote: »
    Split down the middle wouldn't be entirely fair. He earns 14% more than she does and it all comes out of the same pot at present. So for your experiment to work properly he should pay 54% of all expenses and she should pay the balance.

    Did he say his was the higher salary? I didn't see that


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    #148
    syklops
    Closed Accounts Posts: 18,966 ✭✭✭✭syklops


    seamus wrote: »
    For a country which prides itself on creating entrepreneurs and our big home-grown multinationals (Kerry Foods, etc), we treat self-employed people shockingly bad. PAYE workers automatically get double the tax credits of self employed people. For nothing. PAYE workers are effectively cushioned in the event that their job goes belly up. Self employed people, who are quite definitely in a much more vulnerable position, are left out in the rain if their business fails.

    I dunno, we claim to encourage enterprise and ideas but we don't make it remotely attractive for anyone to leave the PAYE workforce. As my brother keeps saying now since he moved into employment 2 years ago after 8 years of self-employment - "I was a mug working for myself".


    Split down the middle wouldn't be entirely fair. He earns 14% more than she does and it all comes out of the same pot at present. So for your experiment to work properly he should pay 54% of all expenses and she should pay the balance.

    Case in point, my sister was going to College and applied for the grant. My Dad was self-employed, and at the time was bringing practically nothing in.

    Because you are self employed it is assumed you are wealthy, therefore no grant. My sisters friend, whose father was a farmer did get the grant. Regardless of the fact that he had recently sold 100 acres of land, that had been re-zoned as residential land, which turned him into a multi-millionaire over night.

    The system is flawed.


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    #149
    TwoShedsJackson
    Closed Accounts Posts: 9,438 ✭✭✭TwoShedsJackson


    knird evol wrote: »
    i think she'll subtly suggest that she's going to take over responsibility for when you have sex

    Come on, he's married with two kids, sex would have stopped years ago for him.


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    #150
    seamus
    Registered Users Posts: 68,317 ✭✭✭✭seamus


    bluewolf wrote: »
    Did he say his was the higher salary? I didn't see that
    Good old sexist assumption on my part :)


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    #151
    Blackpitts
    Registered Users Posts: 780 ✭✭✭Blackpitts


    syklops wrote: »
    And how much does it cost?

    ixpensit, it costs about 3 euro if i'm not wrong
    best money i've ever spent on my iphone!
    it's is constantly updated and getting better after each release, it's totally customizable and it allows to monitor not only your expenses but also your cash flow, so you know what you should have in the bank at the end of the month.
    it offers a lot of reports and the possibiity to download all your expenses by email in a xls attachment. ;)


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