Life passing by people in their 30s

People saying a 35k deposit taking "years" of savings.

If - if you're on 3k/month net and you live with your folks and throw them say, 400e a month, give yourself an incredibly strict budget of 600e for the rest of the month and live like a hermit, you CAN save 2k a month. No bought lunches, coffees, clothes, beauty treatments, holidays, no car, no social life. No nothing basically. But in 2 years you'd have nearly 50k.

The Indians do it, my night manager has 2 houses. This is their first management position so they did it on staff nurse salary. And as soon as they buy just one house they rent rooms in it and live with other Indian couples which is more normal in their culture. These couples effectively pay the mortgage until they too save enough and move on.

I reiterate - I'm not advocating this method, very difficult for Irish people. Buy, it CAN be done.

That would single handedly be the worst decision ever made in the history of irish fiscal policy. One of the few good things to come from the crash in 07-08 was an enforced more prudential attitude from lenders. I remember not only 100% mortgages, but 105 and 110% mortgages! Putting the holiday on a 25-35 year term.

CBI rules should be maintained. I agree that rental repayment should be taken as proven repayment capacity - and most lenders already do this. When I bought my first property in meath I was renting beforehand and all lenders I went to (AIB,BOI,PTSB) took rent payments into consideration. Even though the only proof I had was a rent book as the rent was cash in hand.

While I agree and disagree with you. I prefer proven knowledge as to theoretical(not to say a grad won't be amazing in the future).

Yes I think the standard of education has decreased, but I disagree about the free fees(plus theyre not free) being bad because a lot of smart people who didn't have an opportunity, now do. They're more driven I find.

Funnily enough I was watching armageddon with Bruce Willis the other night in it. Theres a line in it where he says theres 6 billion people on the planet or something like that.

I said to myself hold on theres 8 billion now. It was a 1996 film so

Hey there,

This may help you on your opinion on Meath 😊.

Just to let you know about my little oasis in beautiful Co. Meath. Slane... Slane is such a wonderful spot to live in, so beautiful too...Ireland's best kept little secret! The people living here often say to each other how fab the place is, but they would rather people don't know this as well so that it doesn't get too build up 😄😉! But once you are here you are welcomed with open arms, that is once you are a good sort, friendly and a decent type of person etc. There is a sense of care, loyalty and friendship here.

By car it takes 14 mins from my home to Navan town, 18 mins to Drogheda town centre, it's about 30 mins to Ashbourne in light traffic or about 45 mins in heavy traffic and an hour to O'Connell Street. An hour an 10 mins if traffic is heavy. (I've done these journeys hundreds of times). There are buses in every single direction. Dublin commuters going every morning with a great bus service in the centre of the village Many moved here for a better way of life & to work from home etc. You aren't compromising in any way living in Meath, as there are fantastic venues, theaters & cinemas here too & a great night life. The people are the best here, I've lived here many years now & once you do live in Slane, few people want to leave. But, as heads up, if you do anything majorly wrong to the people that have lived here now or even to past residents of Slane (people who were liked etc) it's also a village filled with those that never forget, because people know each other and care about their village & its residents... there is a major loyalty here. I have known of a few blowins that acted badly or where cruel to nice people living here and its the quickest way to find yourself on the outskirts of community life, as bad behaviour is not wanted or tolerated here and rarely forgotten, just my experience.

But me personally, I have never known such happiness, genuinely (and I've lived in a fair few places in the past) the people are the most friendly that you will find, that's if you are willing to mix in etc. People have been so good to me here. You cannot help but get involved in the community... and the village has everything to offer, a hotel, patisserie/cafe (George's), restaurant (Inside Out), a farm shop for all your fruit & veg, a Centra and another local corner shop with a post office, a credit union, a butchers, Slane Crafts, an art gallery, a pottery out the road, a primary school in the village, three take aways, a car showroom, several mechanics, a few montessori's, did I mention the best scenery and walks in the countryside to wake up too, plus different sporting activities in the area & the river boyne have plenty of canoeing/Kayaking and beside it Rock Farm and all its wonderful activities.

I've made tons of life long friends made here, with some very decent lovely people. There are a lot of guards living here, so it's a very safe place. The pubs are really fun too. We have a stunning castle, with a whiskey distillery, restaurant & coffee shop, and walks around the castle. My family & children love it here. The locals do look after one another, and when the concerts are on, the teens get their concerts tickets etc. They run the concerts so well here, despite what locals may say...lol... they often just want a little more funding from the promoters for local projects for the inconvenience of it and they are right there is money made here so fair enough, I applaude that, local needs are a must... but the concerts are just fun full stop and fab craic for the locals as well!!

They are a few local county councilors living here who really get things done as well, and we have a great youth club and community centre about to be opened, every single thing you really and truly want is actually on your door step. The hill of Slane... there is such history too!

Church lands and Ledwidge Hall are the best estates to live in, I dunno much about Riverview or Castle Gardens, but I have heard only nice things about those places too, I have never heard anything negative!

The village has many people commuting to Dublin every single day, so buses go very very frequently... a good bit of the village have Fiber optic broadband, the rest gets it in April to June '24. The pipes were laid in most places months back, Ledwidge Hall has an new Development called Fennor Lodge, so half the estate has Fiber and its turned on now because of Fennor Lodge and the other half of Ledwidge will be turned on very soon. But the WiFi is excellent in Slane thankfully anyway! But I personally and not a fan of Eir.

So, I hope this give you another bit of insight into life in a village in Meath... For me and many others who have moved here, the quality of life here is just fantastic. I had a house in blanch many years ago & I'd never go back to Dublin ever ever ever, it felt terrible compared to here... just my own personal experience.

I do hope you get sorted either way, but I do understand what you wrote, been there many moons ago. But maybe keep your options open as there are a definitely a few beautiful places in Meath & it may save you a few bob compared to Dublin, blanch takes nearly as long to get to anywhere as here with traffic. Wishing you the very best of luck with all. Best wishes 👌

X

I do agree that a proven record of rent paying should be considered against a deposit in some cases. I know banks don't like it as it tips the LTV against them, but maybe exceptions could be made.

I partied in my 20s. When I compared myself and my friends who did to the ones who were sensible then, including some siblings - your statement holds. The ones who were sensible and saved and worked hard instead of taking time outs and traveling etc are much better off and stable in life than the rest of us.

Great post.

Why anyone would want to live in Dublin rather than a countryside village/small town is beyond me.

Dublin offers more choice and its were most of the jobs are

I graduated with a an arts degree from UCD. Dont ever to Archeology and Irish and expect a career out of it :) Muggins here didnt ciop on for years and got sucked into doing a useless masters too.

Total waste of time. After 3 years working in call centers and supermarkets and bars etc I said I would try something different.

Did an electronics cert at night in DIT. Took a shine to the software development. Then after that was finished a company gave me a job looking after their network in a building out in the sticks. Cost me more to travel there than I made but I was grateful for it and embraced it. Ended up writing software for them, which I still do for them a few days a month either in the morning or evening before my current job as i am still grateful to them for believing in me.

Current job is software developer in a multinational now making very good money. I still remember the interview and they were asking me how my arts degree got me there, i thought i was out, but they hired me thanks to a reference from my old boss.

But even then its only the last couple of years that ive really been interested in putting money away and getting on an buying a house/apartment. Prior to that i was happy to spend on all sorts of things - bad move on my part i can see now. I spent far too many years on useless degree, useless masters, traveling every few weekends, and Jesus what I must have spent on coffee and booze over the years :)

I am only now growing up. I definitely wouldnt have gotten away with waiting that long to grow up in my parents generation.

Yeah, I cant imagine living rural. Even living somewhere like Tallaght or Lucan, while I will do it, seems way outside of the action for me. Ive never even learned to drive as Ive always been able to walk or cycle. If it comes down to Ireland not being set up culturally (stigma) or practically (no long term leases or retirement payments for renters) to rent in Dublin long term if I cant buy then I will move to London, Manchester, Edinburgh etc. Id feel and do feel when I visit much more at home in a British city then in a rural part of Ireland outside Dublin.

Im going to say I think that place was flooded at some point and I think they did some work replacing floors and painting etc, but forgot a few things that give it away.

so you can do it, if you don’t live, give up on living… at some stage you’ll need to buy clothing… at some stage for your sanity, you’ll need entertainment and other stuff…