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How much disposable income do you have after expenses?

13

Comments

  • #62
    fishy fishy
    Registered Users, Registered Users 2 Posts: 3,456 ✭✭✭fishy fishy


    IrishEyes19 wrote: »
    Red21 wrote: »
    I can never understand what all this recession sh*te people are bangin on about over the last few years is all about. I earn way less than the average wage yet i've everything I need, and still have lots of cash left over.
    Of course some folks are in a different situation, they've no job or whatever but I can honestly say I don't know a single Irish person that I feel sorry for where money is concerned.
    I reckon the amount of people that are really struggling is very very very small and blown way outta proportion by the media.
    Night after night on t.v and the net people are banging on about this tax that charge and how much such and such a fella earns. I reckon i've less than most people I know, yet I live like a king and couldn't give a toss about all that recession sh!te.

    Sorry but that's bulls**t......you only have to look around at the ghost towns, emmigration figures and business closures to really understand the situation. Its not enough to say the people you know deserve no sympathy. that's your social circle. It doesnt speak for the rest of the country.

    Posts like this actually infuriate me because there really are a serious amount of people out there struggling with families, no jobs, and serious bills to pay and most people dont drive around in new cars, and f**k it if they do, maybe it was one bloody treat they've got in a long time. I would never begrudge anyone that as long as priorities are in check. Its really tough being a young person these days, so many companies asking them to work for free, no jobs out there and emmigration rising.

    Ive seen work colleagues let go, and their words being "Ive lost everything, everything is gone. Pensions destroyed. Families with no way to help their kids go to college or even secure a job so that kid might have a chance. And then you have the middle class families who many arent entitled to any form of a grant and they cant afford to go to college or a postgrad ect. And there are many people, not just a few who have no jobs, and I honestly think its one of the most frightening things to lose your job, unless you have a good support network of family and friends and a get and up and go attitude, its really soul destroying.

    Congratulations if you live like a king on very little as you claim. Thats certainly a great thing you have going. But speak for yourself.



    Its the "I'm alright Jack" syndrome. Crept into Ireland during the celtic tiger farce and hasn't left yet.


  • #63
    Teyla Emmagan
    Registered Users, Registered Users 2 Posts: 5,638 ✭✭✭Teyla Emmagan


    cruais wrote: »
    She could be paying a whopper loan on that car and can't sell it now because she would get feck all on it.

    I don't feel the least bit sorry for her then. The stupidity of people who take out big loans to buy brand new cars is beyond me.


  • #64
    Celly Smunt
    Banned (with Prison Access) Posts: 9,463 ✭✭✭Celly Smunt


    CJC999 wrote: »
    In my experience the average social welfare recipient does not have a mortgage as theyre in social housing or live at home, they generally do not have loans and most still have much newer cars than i have. Theyre better off than i am. I did think before i posted, that is my opinion based on my own observations.

    your opinion is wrong.


  • #65
    Max Power1
    Closed Accounts Posts: 10,179 ✭✭✭✭Max Power1


    Few hundred per month. Less after the recent hikes and increasing diesel cost.


  • #66
    Galtee
    Closed Accounts Posts: 577 ✭✭✭Galtee


    I work a full week and after everything is covered I'm left with less than 50 (between 40 and 50) euro a week if lucky. Which is grand, I don't spend all that much so it does me fine and I can enjoy the odd extra like take out lunch/trip to cinema etc. The problem I find is that if anything goes pearshaped (which when running a family often happens) then it's a serious struggle to try and get back to evens again.


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  • #67
    Red21
    Closed Accounts Posts: 594 ✭✭✭Red21


    sbsquarepants wrote: »
    2 thoughts spring to mind.

    A: You just know a lot of very wealthy people. Think of bill cullen hanging out with dermot desmond and bill gates. Yea, he's the poor one, but he wont starve!

    B: You haven't a fúcking clue what living like a king means.
    Correct in thought A that I know a lot of very wealthy people, I reckon most Irish people do.Of the 3 people you mentioned they'll all be dead soon and not long after so will you and I, i'm not saying this in a depressing kinda way, but it's the truth that our time is short, so why bother comparing yourself to others and what you percieve them to have.

    Incorrect on B, I know exactly what it is to live like a king as I grew up in kingland with all the other kings. We have been living like kings all our lives and know very little else. Lately some of my fellow kings have seen some of their vast vast estates drop in value and they're completely overreacting.


  • #68
    omahaid
    Closed Accounts Posts: 2,497 ✭✭✭omahaid


    After absolutely everything is paid (including once a year things, savings and a once a week takeaway) my wife and I have €32 each per week. Which isn't bad on one wage (my wife is a housewife).


  • #69
    longhalloween
    Closed Accounts Posts: 2,207 ✭✭✭longhalloween


    I get €150 on the dole, so after I give mammy €30, I have €120 to play with

    :D:D


  • #70
    Mickey Dazzler
    Closed Accounts Posts: 586 ✭✭✭Mickey Dazzler


    Pleanty


  • #71
    Oscars Well.
    Closed Accounts Posts: 1,285 ✭✭✭Oscars Well.


    Sweet fcuk all :(


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  • #72
    Son Of A Vidic
    Registered Users, Registered Users 2 Posts: 32,370 ✭✭✭✭Son Of A Vidic


    How much disposable income do you have after expenses?



    Well OP, I have about.................wait a sec...................Noonan is that you?


  • #73
    Red21
    Closed Accounts Posts: 594 ✭✭✭Red21


    fishy fishy wrote: »
    IrishEyes19 wrote: »



    Its the "I'm alright Jack" syndrome. Crept into Ireland during the celtic tiger farce and hasn't left yet.

    My outlook doesn't change depending on how well the irish economy is doing, i've more than enough so i'll give to charity and there isin't a sinle irish person I know who needs charity. Yes, i'm sure they exist but I believe that the vast majority of irish people living here have plenty.


  • #74
    Lone Stone
    Registered Users, Registered Users 2 Posts: 3,404 ✭✭✭Lone Stone


    i have about 20 euro left at the end of the week which goes on a pizza


  • #75
    fasttalkerchat
    Registered Users, Registered Users 2 Posts: 5,652 ✭✭✭fasttalkerchat


    I lived on about -50 to -100 Euro per month for a while. Moved back up north and im on about +200 per month.


  • #76
    cruais
    Registered Users, Registered Users 2 Posts: 1,559 ✭✭✭cruais


    Teyla Emmagan wrote: »
    I don't feel the least bit sorry for her then. The stupidity of people who take out big loans to buy brand new cars is beyond me.

    Did u ever think that maybe she got the car when she could afford the repayments and now probably has reduced hours in work, thus resulting in a lower wage.

    You obviously lived within your means, fair play to you, your obviously a saint.

    There is a thing called mistakes and human error which happens to everyone no matter what. So to say you have no sympathy is wrong.


  • #77
    Cee-Jay-Cee
    Registered Users, Registered Users 2 Posts: 12,234 ✭✭✭✭Cee-Jay-Cee


    pmcmahon wrote: »
    your opinion is wrong.

    But its still my opinion and you have just re-enforced it with your heavily weighted argument.


  • #78
    IrishEyes19
    Registered Users, Registered Users 2 Posts: 1,861 ✭✭✭IrishEyes19


    Red21 wrote: »
    I know a broad range of people from all differant backgrounds and have never seen anyone go hungry or even close to it. The overwhelming majority of irish people live in a lovely house, have transport, access to internet, phones iponds gym membership etc. I'll guess that you have all this stuff and therefore you live like a king. But somebody told you we're in a recession and times are hard and you believed them.
    When irish people say "I lost everything, everything is gone" after being left go, what they mean is they have lost their status, their sense of self, they won't be able to keep up with the Jones's anymore, this is more a psychological problem than a money problem.
    Of the people I know around my own age who are unemployed, I know that they could have easily got work in a number of fast food resturants, but didn't want the work as they tought the job wasn't good enough. This again isin't a jobs problem it's more a psychological one.

    Well then you probably need to review your social circle. :rolleyes: You cant possibly understand poverty or serious debt worries until you experience them, which clearly you have not.

    Fair enough there are those whose "losses" have merely being the upkeep of their fanciful social lives. But I know many kids over 18, whose parents cant and shouldnt have to support them and they cant afford college, have sent out cv's everywhere and have even been asked to work for free.

    I just find your post highly insulting when this recession is really real for many families and you insinuate the majority are swanning around with their high teck gadgets and social lifes "fit for a king"


  • #79
    Teyla Emmagan
    Registered Users, Registered Users 2 Posts: 5,638 ✭✭✭Teyla Emmagan


    cruais wrote: »
    Did u ever think that maybe she got the car when she could afford the repayments and now probably has reduced hours in work, thus resulting in a lower wage.

    You obviously lived within your means, fair play to you, your obviously a saint.

    There is a thing called mistakes and human error which happens to everyone no matter what. So to say you have no sympathy is wrong.

    No, it's not wrong. It may seem unfair to you, but I still have no sympathy for people in that situation. I think anyone who has to take out a big loan to buy a brand new Audi is a fool. In fact I think buying any expensive car brand new, unless they have a ton of money in the bank, is foolish. New cars depreciate in an instant. Signing up to a loan like that (2010 I think you said) when the economy is in a recession and there is a possibility that you might lose your job/have your hours cut back, is idiocy.

    Yeah, we all make mistakes, but occasionally you have to admit that you've just been plain ole stupid, and not expect sympathy to come your way.


  • #80
    cruais
    Registered Users, Registered Users 2 Posts: 1,559 ✭✭✭cruais


    Teyla Emmagan wrote: »
    No, it's not wrong. It may seem unfair to you, but I still have no sympathy for people in that situation. I think anyone who has to take out a big loan to buy a brand new Audi is a fool. In fact I think buying any expensive car brand new, unless they have a ton of money in the bank, is foolish. New cars depreciate in an instant. Signing up to a loan like that (2010 I think you said) when the economy is in a recession and there is a possibility that you might lose your job/have your hours cut back, is idiocy.

    Yeah, we all make mistakes, but occasionally you have to admit that you've just been plain ole stupid, and not expect sympathy to come your way.

    I bought my car in 2007 for a pretty penny and yes it's costing me a fortune to repay, and yes it's worth feck all now but at the time I could afford it and I wanted it, had no mortgage so I got it. I figured I was (and still am) working my ass off sometimes up to a 60hr week so I wanted to have a little treat.

    If I was to do it all over again, it just wouldn't be happening. I would rather save up in cash and go buy my car, but that was my point of my last post. Everyone makes mistakes.

    I certaintly do not want anyone's sympathy or dont bang on about having no money. I just get on with it. I have my mortgage car and other bills to pay and as I said before, as long as I have a roof over my head and food on the table I'll get over it.


  • #81
    choppy66
    Registered Users, Registered Users 2 Posts: 10 ✭choppy66


    Quote "I certaintly do not want anyone's sympathy or dont bang on about having no money. I just get on with it. I have my mortgage car and other bills to pay and as I said before, as long as I have a roof over my head and food on the table I'll get over it."

    Feck all the haters ,you're allowed to have a moan without people judging you for it . look at all the good things we have in the country we are much better off than alot of other countries .

    If we could all just say one nice thing to a complete stranger today it would cheer up alot of people :)


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  • #82
    Teyla Emmagan
    Registered Users, Registered Users 2 Posts: 5,638 ✭✭✭Teyla Emmagan


    cruais wrote: »
    I bought my car in 2007 for a pretty penny and yes it's costing me a fortune to repay, and yes it's worth feck all now but at the time I could afford it and I wanted it, had no mortgage so I got it. I figured I was (and still am) working my ass off sometimes up to a 60hr week so I wanted to have a little treat.

    If I was to do it all over again, it just wouldn't be happening. I would rather save up in cash and go buy my car, but that was my point of my last post. Everyone makes mistakes.

    I certaintly do not want anyone's sympathy or dont bang on about having no money. I just get on with it. I have my mortgage car and other bills to pay and as I said before, as long as I have a roof over my head and food on the table I'll get over it.

    Oh, you're in this position too? Well, I never saw that coming!

    Don't be criticising me then for not having sympathy, if you claim you're not looking for it.


  • #83
    Smyth
    Registered Users, Registered Users 2 Posts: 714 ✭✭✭Smyth


    about 500 squid a week after rent, food and bills.

    IT baby...IT


  • #84
    44leto
    Closed Accounts Posts: 4,137 ✭✭✭44leto


    Originally Posted by cruais viewpost.gif
    I bought my car in 2007 for a pretty penny and yes it's costing me a fortune to repay, and yes it's worth feck all now but at the time I could afford it and I wanted it, had no mortgage so I got it. I figured I was (and still am) working my ass off sometimes up to a 60hr week so I wanted to have a little treat.

    If I was to do it all over again, it just wouldn't be happening. I would rather save up in cash and go buy my car, but that was my point of my last post. Everyone makes mistakes.

    I certaintly do not want anyone's sympathy or dont bang on about having no money. I just get on with it. I have my mortgage car and other bills to pay and as I said before, as long as I have a roof over my head and food on the table I'll get over it.

    I did that last year saved my ass off for a car, my old one was never going to pass an NCT without a serious bill. Although I would normally drive a biggish car, as I am a big guy, but this time my priority was economy.

    I manage to save the cash and got a 10 diesel peaugeot, its unbelievable, I am getting nearly 600 miles out of a 45 litre tank and it only cost 104 to tax. Its really making a difference. Because I have no repayments and it is so economical it almost feels like free motoring.


  • #85
    foxyboxer
    Closed Accounts Posts: 3,528 ✭✭✭foxyboxer


    My only major expense is accomodation.
    After which I'm usually left with circa €1,900 to use at my discretion.

    How? No car, mortgage, bill(s) or kids.
    Hope it lasts :(


  • #86
    cruais
    Registered Users, Registered Users 2 Posts: 1,559 ✭✭✭cruais


    Teyla Emmagan wrote: »
    Oh, you're in this position too? Well, I never saw that coming!

    Don't be criticising me then for not having sympathy, if you claim you're not looking for it.

    No I'm most certaintly not looking for sympathy I can assure you because even though I'm paying through my nose for it, I'm happy.

    What I'm criticising you for is your high and mighty attitude. Next you be telling people they were fools for buying a house because they had to get a loan.

    But, your entitled to your opinion.


  • #87
    BunShopVoyeur
    Closed Accounts Posts: 1,268 ✭✭✭BunShopVoyeur


    I'm back home with mammy for a while so about €600/€700 p/w.


  • #88
    Teyla Emmagan
    Registered Users, Registered Users 2 Posts: 5,638 ✭✭✭Teyla Emmagan


    cruais wrote: »
    No I'm most certaintly not looking for sympathy I can assure you because even though I'm paying through my nose for it, I'm happy.

    What I'm criticising you for is your high and mighty attitude. Next you be telling people they were fools for buying a house because they had to get a loan.

    But, your entitled to your opinion.

    Ah thanks, you're very good.

    But there's a lot of difference between spending money on a house and taking a large loan out to pay for a fancy car. We all need a place to live. Spending discretionary income in a recession on a brand new car is just foolish however when you don't know how your financial situation is going to change.


  • #89
    watna
    Closed Accounts Posts: 10,367 ✭✭✭✭watna


    amacachi wrote: »
    What's expensive to you if you don't mind me asking? Both have gone down in the last coupla years as far as I can tell, there's more beer than ever at a quid a can and Tesco regularly have 25% off when buying 6 bottles of wine. The better stuff may well be dear but that's not something I have experience in. :pac:
    Can't imagine living without good cheese, may as well just cut out my tongue. :P

    Where do I start?!

    It's at least $10 here for a very small block of proper nice hard cheese (that's about 5Euro) - I'm talking a 75g block. A Kilo of cheese (the big block you'd have in your fridge for cooking and things) is about $15 which is about 7.50/8EUR (well it was when I was home last, the NZD is quite strong at the moment). This is somewhere where the average wage is a lot lower than at home. I don't know how some people do it, to be honest. I just remember walking around the aisles, converting things to dollars and then being shocked - another area was fruit and vegetables especially considering NZ grows a lot of stuff that doesn't grow at home (lemons, olives, avocados, grapes). Chillis were a quarter of the price in Tesco and they actually grow chillis in NZ! I'm sure some of the difference was due to the fact it was a different season in the Northern hemisphere but it can't account for all of it.

    I came across this article online this morning actually
    http://www.stuff.co.nz/travel/new-zealand/6284769/Smithsonian-blogger-aghast-at-NZ-food-prices
    Readers of the Smithsonian's magazine are learning New Zealand has plenty of trout but the fish are reluctant to get hooked, which is unfortunate given what the readers are being told about the price of food in this country.

    With its 19 museums and galleries in the United States, along with a zoo and nine research centres, the Smithsonian promotes itself as the world's largest museum and research complex.

    For the past fortnight, a blogger on the organisation's magazine Smithsonian.com has been informing readers of his movements in this country, particularly time spent fishing for trout in the South Island.

    Freelance writer Alastair Bland leaves no doubt the fish are present in large numbers, even if they show little inclination to get caught.

    He is less than impressed by loud boats ruining the moment at Lake Wanaka, saying they have "stolen the silence".

    And, given the price of food in this country, Bland questions how long he can continue to subtitle his blog "The Travel Adventures of a Nomad on the Cheap".

    In a blog dated January 12, he said it was rare for a place to be entirely worth visiting simply because it is cheap.

    " Likewise, it may not be a winning scheme to entirely dodge a nation because prices there are through the roof," he said.

    " Consider New Zealand, where the superb landscape is like the backdrop of a fantasy filmmaker's dreams but where a quick stop at a grocery store can easily pull 50 bucks from your pocket.

    " Yes: New Zealand is worth visiting. But I'll be frank: I'm not sure how long I can keep travelling here and continue claiming to be 'on the cheap'."

    The report appears under a picture of a bowl of stone fruit with a $20 price tag.

    "Note the shocking price of this basket of fruit at a roadside stand in New Zealand," the caption says.

    Bland is confounded by the price of apples, apricots, garlic and onions, but notes avocados are cheap.

    His suggestions for saving money include cycling, foraging for roadside fruit, avoiding cars, and sleeping for free, although he tells his readers that was made illegal by the Government last year.

    On that last point he is a bit off the mark. A law dealing with freedom camping was passed in 2011, but it does not ban the activity.

    The Government portrayed it as having a presumption that freedom camping is allowed, but opponents raised concerns about how much area would be covered by bans.


  • #90
    grindle
    Registered Users, Registered Users 2 Posts: 6,025 ✭✭✭grindle


    Teyla Emmagan wrote: »
    But there's a lot of difference between spending money on a house and taking a large loan out to pay for a fancy car. We all need a place to live.
    Not much of a difference, no.
    Did any single person need to buy a house? A whole house? With one person in it? ("Oh sher, I'll rent it out and it'll pay for itself." I'd hope those are the types getting burned, but am far-sighted enough to know I'll be sharing their burden over the next 15-20 years if I stay here, so I'll do an about-face: I really, really hope things work out for you. But in a fairer world, I'd wish they wouldn't.)
    Did any couple really need that bungalow for €250,000, or semi-d for €350-400,000?
    Especially when it was obvious (to some, but should've been most) that things weren't right?

    To the OP, I live in an apartment in Cork, in the city-centre. I make €10.37 per hour and after expenses (apartment, food @ home & work, buses, UPC, ESB), come out with €633 a month, or €146 a week.
    If I was on minimum wage, I'd have €375 a month, or €86.50 a week.

    Not so bad.

    Living in Dublin or having kids seems to be a huge cross to bear, so avoid those.


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  • #91
    boobar
    Closed Accounts Posts: 2,226 ✭✭✭boobar


    I'd say about 100 a week....after paying for mortgage, car loan, personal loan, food and all the essentials.....not complaining at all....once the car loan is gone in 2 years, I'll drive that car until it keels over.


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