Question about living in NI but working in IE

Asmooh

I was thinking because Ireland is so expensive if I can move to North Ireland but for now keep working in Dublin, it's for reasons as some of you know that has to do something with cars.

Also the prices for houses are around a quarter of the price in Kildare or Dublin.
So I was thinking, can I get a personal number, and address in NI even when I'm working in Ireland? Did anyone do this? if yes how is the experience?

It is just an idea that I had in mind.

Stheno

Asmooh wrote: »

I was thinking because Ireland is so expensive if I can move to North Ireland but for now keep working in Dublin, it's for reasons as some of you know that has to do something with cars.

Also the prices for houses are around a quarter of the price in Kildare or Dublin.
So I was thinking, can I get a personal number, and address in NI even when I'm working in Ireland? Did anyone do this? if yes how is the experience?

It is just an idea that I had in mind.

Where would you live Monday to Friday while working?

Asmooh

Stheno wrote: »

Where would you live Monday to Friday while working?

I think in NI

Stheno

Asmooh wrote: »

I think in NI

I don't think given current exchange rates it would save as much as you think.

Also there are agreements on tax in place that may affect you

Jawgap

Asmooh wrote: »

I was thinking because Ireland is so expensive if I can move to North Ireland but for now keep working in Dublin, it's for reasons as some of you know that has to do something with cars.

Also the prices for houses are around a quarter of the price in Kildare or Dublin.
So I was thinking, can I get a personal number, and address in NI even when I'm working in Ireland? Did anyone do this? if yes how is the experience?

It is just an idea that I had in mind.

Swings and roundabouts.

I work in Ireland for a UK firm and had the option at the outset to live in Ireland but be paid in the UK. There was a marginal tax advantage which was offset by the fact that I'd have to 'repatriate' money to pay for my living expenses here. So I'd effectively be running two bank accounts and have a lot of administrative hassle with the Revenue.

In the end for reasons of simplicity I opted to be paid here.

I would've thought the ideal at the moment would be living in RoI while working in NI and getting paid in Sterling.

Will your employer still be paying you in Euros to an RoI bank account if you move?

Asmooh

Stheno wrote: »

I don't think given current exchange rates it would save as much as you think.

Also there are agreements on tax in place that may affect you

Well..

I took this as example:
http://www.propertypal.com/property-to-rent/belfast/bedrooms-1-2/price-100-500

Which is max of 680 euro, Currently I am living in Leixlip and for a small studio I pay already 650 euro's a month.

With the same search in Maynooth which is even more far away from dublin:

http://www.daft.ie/kildare/residential-property-for-rent/maynooth/?s%5Bmnb%5D=1&s%5Bmxb%5D=2&s%5Badvanced%5D=1&s%5Bignored_agents%5D%5B0%5D=5732&s%5Bignored_agents%5D%5B1%5D=428&s%5Bignored_agents%5D%5B2%5D=1551&s%5Bsort_by%5D=price&s%5Bsort_type%5D=a&searchSource=rental

Which gives you still a tiny tiny place, except if you pass the 1200 euro mark.



I took a few random examples in Belfast:

500 +- euros
http://www.propertypal.com/15-oakmount-drive-belfast/345743

520 - 550
http://www.propertypal.com/243-joanmount-gardens-ballysillan-belfast/344599
http://www.propertypal.com/766-shore-road-belfast/341798
http://www.propertypal.com/3-glenbank-drive-belfast/318615
http://www.propertypal.com/55-rydalmere-street-donegall-road-belfast/348299/photo-4
http://www.propertypal.com/unit-e-1-mahee-close-belvoir-belfast/347647



and many more examples.
If I want something for the same price in Ireland (South) I will end up in county Mayo or so

Jawgap wrote: »

Swings and roundabouts.

I work in Ireland for a UK firm and had the option at the outset to live in Ireland but be paid in the UK. There was a marginal tax advantage which was offset by the fact that I'd have to 'repatriate' money to pay for my living expenses here. So I'd effectively be running two bank accounts and have a lot of administrative hassle with the Revenue.

In the end for reasons of simplicity I opted to be paid here.

I would've thought the ideal at the moment would be living in RoI while working in NI and getting paid in Sterling.

Will your employer still be paying you in Euros to an RoI bank account if you move?

I will get paid in Euro's but I will be thinking of finding a job in NI but I won't be in a hurry.
It's not because of tax advantage but because of house prices in NI vs IE and cars are actually the second reason

Stheno

Asmooh wrote: »

Well..

I took this as example:
http://www.propertypal.com/property-to-rent/belfast/bedrooms-1-2/price-100-500

Which is max of 680 euro, Currently I am living in Leixlip and for a small studio I pay already 650 euro's a month.

With the same search in Maynooth which is even more far away from dublin:

http://www.daft.ie/kildare/residential-property-for-rent/maynooth/?s%5Bmnb%5D=1&s%5Bmxb%5D=2&s%5Badvanced%5D=1&s%5Bignored_agents%5D%5B0%5D=5732&s%5Bignored_agents%5D%5B1%5D=428&s%5Bignored_agents%5D%5B2%5D=1551&s%5Bsort_by%5D=price&s%5Bsort_type%5D=a&searchSource=rental

Which gives you still a tiny tiny place, except if you pass the 1200 euro mark.



I took a few random examples in Belfast:

500 +- euros
http://www.propertypal.com/15-oakmount-drive-belfast/345743

520 - 550
http://www.propertypal.com/243-joanmount-gardens-ballysillan-belfast/344599
http://www.propertypal.com/766-shore-road-belfast/341798
http://www.propertypal.com/3-glenbank-drive-belfast/318615
http://www.propertypal.com/55-rydalmere-street-donegall-road-belfast/348299/photo-4
http://www.propertypal.com/unit-e-1-mahee-close-belvoir-belfast/347647



and many more examples.
If I want something for the same price in Ireland (South) I will end up in county Mayo or so

Have you factored in the cost of commuting and the commute time from Belfast to Dublin city centre every working day?

Asmooh

Stheno wrote: »

Have you factored in the cost of commuting and the commute time from Belfast to Dublin city centre every working day?

around 300 / month including tax saver, which is "only" 200 more compare to at the moment.
But that is the reason I will try to find a job in Belfast instead even if it pays less than my current job.

Stheno

Asmooh wrote: »

around 300 / month including tax saver, which is "only" 200 more compare to at the moment

Is that on a bus? What about the commute time? I'm not seeing any benefits here really you'd have at least a four to five hour round trip daily on public transport, paying the same rent, more on commuting, and lowering your disposable income died to the exchange rate

What benefits do you see here?

Asmooh

Stheno wrote: »

Is that on a bus? What about the commute time? I'm not seeing any benefits here really you'd have at least a four to five hour round trip daily on public transport, paying the same rent, more on commuting, and lowering your disposable income died to the exchange rate

What benefits do you see here?

A house in Dublin or close to will cost you around 1500-2000 euros a month.

House in Belfast + Travel is around 800 a month.
800 a month in Dublin gives you a super tiny place.

edit: its a bit more: http://www.taxsaver.ie/Ticket-Types/Rail-point-to-point-tickets/

Actually, from my work to home is already which is in leixlip

1,5 hour (almost).

home to train station (walk): 20 mins
train: 30-35 mins
train 2 and buss or walk: 30 mins


But yes, there will be issues with getting by train also.
But the train from belfast - connolly takes 2 hours, I know it will be easier to just get a job in IE instead (which I already applied for)

Stheno

Asmooh wrote: »

around 300 / month including tax saver, which is "only" 200 more compare to at the moment.
But that is the reason I will try to find a job in Belfast instead even if it pays less than my current job.

Asmooh wrote: »

A house in Dublin or close to will cost you around 1500-2000 euros a month.

House in Belfast + Travel is around 800 a month.
800 a month in Dublin gives you a super tiny place.

edit: its a bit more: http://www.taxsaver.ie/Ticket-Types/Rail-point-to-point-tickets/

Actually, from my work to home is already which is in leixlip

1,5 hour (almost).

home to train station (walk): 20 mins
train: 30-35 mins
train 2 and buss or walk: 30 mins


But yes, there will be issues with getting by train also.
But the train from belfast - connolly takes 2 hours, I know it will be easier to just get a job in IE instead (which I already applied for)

I think your figures are wrong tbh.

Rent is about 600-650 from the places you have listed.
A taxsaver ticket is 511 a month if you get a monthly one, so saving tax and prsi, that will cost you about 390 if you are on 20% tax. That doesn't factor in bus tickets you may need to get to the train, or from the train to work.

Then you've to factor in overall travel time. The quickest train from Belfast-Connolly is 2 hours, more normally 2 hours 15, and it suffers from delays in and out of Connolly. You've also to factor in the time to get from where you live and from Connolly to your office, so you can probably factor in twenty minutes each side of the train which has you up to 3 hours each way.

Additionally the entreprise train service runs on awkward hours, the first into Dublin arrives at 9:04 in the morning, which is awkward if you have to be in prior to that.

So overall, if you were to look at the total costs so far, you're going to be spending at least 200 more than you do now, not including bus tickets, increase your commute to almost double what it is, and all to live in a slightly bigger place?

Btw if you search on daft, you can get a house in Dublin for less than 1500-2000 per month.

I think you should do some more research.

Mrs OBumble

Lots of handy information here: http://borderpeople.info/

Asmooh

Stheno wrote: »

I think your figures are wrong tbh.
Btw if you search on daft, you can get a house in Dublin for less than 1500-2000 per month.

I think you should do some more research.

Cheapest house I found was 1100 / month, which do not even allow pets (would love to bring my cat over) and those are quite small and most are without PSR number and I will never rent from someone without PSR and I will still need 100+ euros for travel costs.

I'm used to live in a 3 room appartement with a big basement and big rooms, very big living room, 2 balcony's for 450 euro a month..


Query

davo10

Is there a poll tax in NI? Iit's 20 years since I lived in the UK but I remember the water charges etc were higher than what we pay here.

Stheno

Asmooh wrote: »

Cheapest house I found was 1100 / month, which do not even allow pets (would love to bring my cat over) and those are quite small and most are without PSR number and I will never rent from someone without PSR and I will still need 100+ euros for travel costs.

I'm used to live in a 3 room appartement with a big basement and big rooms, very big living room, 2 balcony's for 450 euro a month..


Query

I'm genuinely not being smart, but pretty much every thread you've posted is negative about life in Dublin.

Would you consider moving completely perhaps back to where you could get a big apartment for 450 per month?

Asmooh

Stheno wrote: »

I'm genuinely not being smart, but pretty much every thread you've posted is negative about life in Dublin.

Would you consider moving completely perhaps back to where you could get a big apartment for 450 per month?

But I'm willing to pay more than 450, that is not even the issue.
Just not 1200+ for a quite small place.

Also, Dublin itself is nice but it's just the prices I don't like and as far as I can read online a lot of people agree about that the prices are way to high.

con___manx1

Asmooh wrote: »

But I'm willing to pay more than 450, that is not even the issue.
Just not 1200+ for a quite small place.

Also, Dublin itself is nice but it's just the prices I don't like and as far as I can read online a lot of people agree about the prices.

Move to north Wexford or south Wicklow. the new road has taken 15 to 20 mins off the commute. The rent prices are much lower than Dublin but it will take an hour to hour and a half to get into the city.

Asmooh

con___manx1 wrote: »

Move to north Wexford or south Wicklow. the new road has taken 15 to 20 mins off the commute. The rent prices are much lower than Dublin but it will take an hour to hour and a half to get into the city.

Interesting, but isn't that the same time as it will take from Drogheda as example? but I will look into it, thanks for the suggestion.

What is the "no pets" issue here? I notice that a lot.

Meeoow

The only advantage for you would be VRT. No VRT up north. You would just have to re register the car.
Everything else is more or less the same. In fact petrol and diesel is more expensive up north as are most things because of weak Euro

con___manx1

Asmooh wrote: »

Interesting, but isn't that the same time as it will take from Drogheda as example? but I will look into it, thanks for the suggestion.

What is the "no pets" issue here? I notice that a lot.

yes it would be around the same distance but the beaches and country side are much nicer down in that area. if you have a dog you will be spoiled for choice to go on a nice walk somewhere.

newacc2015

Asmooh wrote: »

Also, Dublin itself is nice but it's just the prices I don't like and as far as I can read online a lot of people agree about that the prices are way to high.

Expensive relative to what? Bucharest or Madrid? Dublin is expensive to rent in, as it is a relatively wealthy city. There is tons of highly paid individuals working in Multinationals, most major Irish companies are based in Dublin. Dublin is also the economic and administrative capital of Ireland. Generally cities which are the capital are far more expensive than cities that are not to live in. Eg Washington DC vs Virginia Beach, VA.

Belfast is a small city in a banana republic(its economy is pretty much reliant entirely on handouts from the UK). Rent will be cheap in Belfast, as there is very little demand for it. Belfast lacks the serious industry/services that Dublin or even Cork has

Even if housing was free in Belfast. I don't think I could mentally take several hours of travelling monday to friday long term to save some money.