how desperate is your financial situation?

toronto80 · 24-07-2009 11:52AM #1

just had a glance at my balance there and it's frightening.

balance: 1450
savings: 2500

my outgoings per month are roughly 1200 which leaves me with f all money for the month

oh and i have a loan also which still has another 5k to be paid off (probably not a good idea to have savings then i know). this ain't going to be a charitable month for me.

loan+rent = torture

ScumLord · 24-07-2009 11:53AM

No loans, no debt, some savings. Grand thanks.

petes · 24-07-2009 11:54AM

Fucked.

Pop's Diner · 24-07-2009 11:54AM

I'm quids in. Thanks for asking.

AnonoBoy · 24-07-2009 11:56AM

You're all going to hate me but I've got more money now than ever.

I don't owe anybody anything and I'm raking it in due to my astute patenting of the phrase "in these recessionary times".

ChocolateSauce · 24-07-2009 11:56AM

Poor enough I have to live on 100 a week, wealthy enough I can live in a 4 bedroom apartment in Rathmines with only one other person.

TeletextPear · 24-07-2009 11:57AM

No loans, ok savings.
Havnt checked my bank balance in about three months but the scarebox hasnt given me the insufficient funds message yet so im probably doing ok

toronto80 · 24-07-2009 11:58AM

Insurgent wrote: »

Fucked.

as bad as me?

laugh · 24-07-2009 12:00PM

I am craptastic with money, I need a sugar momma asap.

prazeres · 24-07-2009 12:00PM

Best advice is always try and live within your means.Trust me YOU wil feel a lot better!Member people are not that great with money JUST NEED A LOT MORE SELF DISCIPLINE! O nly pat back the loan when you can on your terms they cant do much! Never go hungry just pay your rent and food take it from there!

MagicMarker · 24-07-2009 12:01PM

Not too bad, a large chunk of my wage goes towards a loan but I have a little bit of savings and if I lose the aul job then the payment protection should kick in.

There was a time when my card was maxed and current account in constant overdraft, so in comparison, I'm laughing.

Keano · 24-07-2009 12:03PM

Small personal loan, mortgage and about to lose my job but I have a few pennies tucked away. Ask me again in a year.

petes · 24-07-2009 12:03PM

toronto80 wrote: »

as bad as me?

Maybe worse!

The_Minister · 24-07-2009 12:05PM

No loans, money coming in, savings increasing.

Kiera · 24-07-2009 12:12PM

I'm doing ok. Have a small enough mortgage, no car loan, no overdraft, steady job.

120_Minutes · 24-07-2009 12:15PM

Living month to month, no savings, no luxuries, counting every penny, wife on the dole, no kids, 1 car, rented house. i get paid just as the money runs out every month. anything unforseen and i'm ****ed.

My name is URL · 24-07-2009 12:16PM

1) Mortage & Loans
2) Part time work
3) ????
4) Suicide

johnny_knoxvile · 24-07-2009 12:16PM

i had to sell the Porshe.

24-07-2009 12:17PM

This post has been deleted.

TeletextPear · 24-07-2009 12:21PM

My name is URL wrote: »

1) Mortage & Loans
2) Part time work
3) steal underpants
4) Suicide

:pac:

rossie1977 · 24-07-2009 12:23PM

outside of about 600euro credit card debt thats it, although that will increase massively again come sept/oct when i have to book flights to america, happy enough with me savings

jester77 · 24-07-2009 12:23PM

No loans, no debt, enough savings to comfortably sit on my ass for a few years!

Pyr0 · 24-07-2009 12:26PM

I've about 450 until the end of the month, going away on sunday so i'm taking it all wtih me !

Other than that I tend to be alright, gotta start saving though.

toronto80 · 24-07-2009 12:27PM

fair play to all those with their money sorted, wish i could say the same about myself. at least i've fully paid off my credit card and that i've no overdraft. although i still get depressed about the whole thing from time to time. job insecurity is not helping matters and i fear i could be on the dole quite soon which would be pain.

ScumLord · 24-07-2009 12:33PM

120_Minutes wrote: »

Living month to month, no savings, no luxuries, counting every penny, wife on the dole, no kids,

OMG they took your kids?!!!

gurramok · 24-07-2009 12:39PM

No loans, no debt. Good savings, never bought into the Celtic Tiger wealth trap which was really all debt.

ejmaztec · 24-07-2009 12:48PM

I'd have no financial problems if I could just get rid of the 3000 crates of bottled snake-oil that I siphoned out of the septic tank.

terrytrent · 24-07-2009 12:52PM

toronto80 wrote: »

just had a glance at my balance there and it's frightening.

balance: 1450
savings: 2500

In the general scheme of things, I'd class this as average

anti chris-t · 24-07-2009 12:53PM

much better than i was this time last year but still in about 6k debt. Hoping my jan 2010 i'll be debt free but if i lose my job or anything like that ill be up sh1te street.

toronto80 · 24-07-2009 12:57PM

terrytrent wrote: »

In the general scheme of things, I'd class this as average

really? even considering the remaining loan of 5k which has to be pid back within the next year?

WithCheesePlease · 24-07-2009 01:08PM

Scien wrote: »

No loans, no credit cards but no money, no savings.

I'm moronic with Cash.
I save on food & entertainment all week but still find myself looking at this crap online every monday morning:

SAT: 00:22 POS-DICEY GAR -€50.00
SAT: 02.10 POS-GRFTN ST. AIB -€60:00

Ha, good stuff. Still doesn't compare to me though waking one morning with almost 400 in my wallet. Rang the bank to be sure I hadn't mugged and killed somone. Knowing I had a wedding the next day I dutifully went to the ATM at about 3 in the morning and withdrew the guts of 200 euro. Then, about 7 minutes later in my inebriated state remembered I needed money for the next day and went and withddrew the same again - obviously forgetting I had already just been. Scary.

how desperate is your financial situation?

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