How much do you need to earn?

Calibos · 14-09-2012 12:41AM

This type of thread must attract a different type of person than the 'whats a decent salary' threads.

Here most answers have been - 50-60 grand for 2 adults working 2 kids and a dog.

The other type of thread? - One simply wouldn't bother getting out of bed for less than 50-60 grand....and my partner earns 40 too...

ben36 · 14-09-2012 12:43AM

Between myself and the wife we clear €1100 pw,pay 1k mortgage so that leaves us 3k odd for the rest and some weeks we do be struggling to pay a bill and we only have 1 car,2 school going children with no after school costs.We haven't got a penny saved and haven't been away foreign in a couple of years

Thing is i smoke like a chimney drink like a fish and like a small bet on the football.Probably €250 pw on that.The rest goes on sky,upc,esb,heating,petrol,mobiles,groceries,days out with the kids etc

OnTheCounter · 14-09-2012 12:44AM

FANTAPANTS wrote: »

work in army missus works in liberty after all bills are paid we have feck all to go on with levies and other stupid taxes... i really im worried about this next budget as i think we are going to go broke

its shocking with all these taxes and levies that the vast majority of families are struggling yet the fcukers in the Dail on e92k+ a year think its ok to bring in water charges and a household charge that is looking likely to be 0.25% of the value of the property and who knows what else they will increase. bloody ESB is going up 6% and the average family would fill the oil tank twice a year and that is double the cost it was about 4 years ago. People cant take much more.

FANTAPANTS · 14-09-2012 12:44AM

amber leaf dude if ya wanna smoke,12 cans of beer in aldi 10:49 and just back golf on a sunday for a winner

FANTAPANTS · 14-09-2012 12:47AM

OnTheCounter wrote: »

its shocking with all these taxes and levies that the vast majority of families are struggling yet the fcukers in the Dail on e92k+ a year think its ok to bring in water charges and a household charge that is looking likely to be 0.25% of the value of the property and who knows what else they will increase. bloody ESB is going up 6% and the average family would fill the oil tank twice a year and that is double the cost it was about 4 years ago. People cant take much more.

its just getting to much at this stage.........time for a syria:mad::mad:

OnTheCounter · 14-09-2012 12:48AM

A_Sober_Paddy wrote: »

Hear this question a lot, and its often followed by so rubbish about tax and the government

Itend to hear it from people who bought houses, to which I say "didn't need to buy a house" normally followed by aggressively explained reasons for why they need to buy a house...most of thee people are crippled with mortgage repayments through their poor financial management. Next up is Kids and the cost to sent them to school...well then don't have kids if you can't afford them, before you have kids get a savings fund together if you can't afford to do that, then you can't afford to have kids. And to people who say, that during the good times, you had the money well everything is a cycle and people really should have educated themselves, a simple way to put it, everything that goes up must come back down to ground... In the OP list, there are many things that from the good times... Who needs two cars, 10 days foreign holiday, xmas & birthdays(set limits and budget) creche cost(If you can't afford them, then either one parent stop working or if that's not possible because of your career then kids should not have been had) & Weddings(if they are too expensive, don't go and explain that things are tight) I've just come off the dole, where I was able to get by on ?144 a week and in my job I'm earning a little less than my dole(still waiting to get casual dole sorted). People who complain or struggle to get by do so because of poor planning in the majority of cases...People who are struggling financially as a result to illness then that's the governments fault as everyone should be entitled to(and receive it) a good standard of free medical care in this country

most people go to college/learn a trade and work hard. Having kids and owning your own home are not unrealastic asparations.

OnTheCounter · 14-09-2012 12:55AM

Calibos wrote: »

This type of thread must attract a different type of person than the 'whats a decent salary' threads.

Here most answers have been - 50-60 grand for 2 adults working 2 kids and a dog.

The other type of thread? - One simply wouldn't bother getting out of bed for less than 50-60 grand....and my partner earns 40 too...

i think its because most people in this section of the site are very young (16-22) but it was the best of the available options to get a varied discussion going.

humbert · 14-09-2012 12:57AM

Micky Dolenz wrote: »

So basically you are unqualified to even attempt to answer the question. I suppose you could always have a guess at it becuase without details, thats all it is.

You'll find I pointed out it's many variables before I called it a stupid question.

It's akin to playing pin the tail on the donkey.

True, I can't estimate so I'm very curious to see what figures other people come up with.

I don't see why anyone with a car and a mortgage etc. would struggle to come up with figures. I could estimate the cost of ownership of a bicycle or going to college or travelling abroad or owning a dog. State assumptions, give a figure and, if you like, estimate margin of error. No kittens will die if you're inaccurate.

Anyway, I'm cluttering the thread with this argument so I'll stop. I really am curious to see people's answers though.

OnTheCounter · 14-09-2012 12:58AM

ben36 wrote: »

Between myself and the wife we clear ?1100 pw,pay 1k mortgage so that leaves us 3k odd for the rest and some weeks we do be struggling to pay a bill and we only have 1 car,2 school going children with no after school costs.We haven't got a penny saved and haven't been away foreign in a couple of years Thing is i smoke like a chimney drink like a fish and like a small bet on the football.Probably ?250 pw on that.The rest goes on sky,upc,esb,heating,petrol,mobiles,groceries,days out with the kids etc

e13,000 per year on smokes, booze and paddy power are not really the expenses I am talking about.

dodderangler · 14-09-2012 12:59AM

How much do I earn?
Not enough I'm back in an old job and same **** going on
I'm workin me bollox off while 4-5 lazy polish assholes sit there doing **** all talkin polish to each other and not one bothers to ask if I need a hand and they gettin twice as much as me!!!!!

Zebra3 · 14-09-2012 01:01AM

OnTheCounter wrote: »

Mortage

House bought 2006 or 2009?

Massive difference.

FANTAPANTS · 14-09-2012 01:01AM

car 100 euros desiel a week at min, wifes 50 euro petrol we have 2 cars as im working 1hr and 10mins away, babysitter/childminder 100 quid a week its that cheap cause its my auld one, the rest is morgage ,electricity,gas,food,clothes,nappys etc

OnTheCounter · 14-09-2012 01:04AM

FANTAPANTS wrote: »

its just getting to much at this stage.........time for a syria:mad::mad:

thats close to not being a joke. Fairly soon the irish attitude of it'll be grand will be replaced by mass protests... When the dole gets hit.

We take too much crap in this country because we are encouraged to blend in and not cause a fuss.

we could start seeing more of the average person protesting next year.

A_Sober_Paddy · 14-09-2012 01:07AM

OnTheCounter wrote: »

A_Sober_Paddy wrote: »

Hear this question a lot, and its often followed by so rubbish about tax and the government

Itend to hear it from people who bought houses, to which I say "didn't need to buy a house" normally followed by aggressively explained reasons for why they need to buy a house...most of thee people are crippled with mortgage repayments through their poor financial management. Next up is Kids and the cost to sent them to school...well then don't have kids if you can't afford them, before you have kids get a savings fund together if you can't afford to do that, then you can't afford to have kids. And to people who say, that during the good times, you had the money well everything is a cycle and people really should have educated themselves, a simple way to put it, everything that goes up must come back down to ground... In the OP list, there are many things that from the good times... Who needs two cars, 10 days foreign holiday, xmas & birthdays(set limits and budget) creche cost(If you can't afford them, then either one parent stop working or if that's not possible because of your career then kids should not have been had) & Weddings(if they are too expensive, don't go and explain that things are tight) I've just come off the dole, where I was able to get by on ?144 a week and in my job I'm earning a little less than my dole(still waiting to get casual dole sorted). People who complain or struggle to get by do so because of poor planning in the majority of cases...People who are struggling financially as a result to illness then that's the governments fault as everyone should be entitled to(and receive it) a good standard of free medical care in this country[/QUotd]most people go to college/learn a trade and work hard. Having kids and owning your own home are not unrealastic asparations.

I went to college, have a degree and a job...But have no intention of having kids or owning a house at the present moment for many different reason but if I did want those things I would certainly plan financially for them as they are both massive drains on the finances

FANTAPANTS · 14-09-2012 01:08AM

OnTheCounter wrote: »

thats close to not being a joke. Fairly soon the irish attitude of it'll be grand will be replaced by mass protests... When the dole gets hit.

We take too much crap in this country because we are encouraged to blend in and not cause a fuss.

we could start seeing more of the average person protesting next year.

your not to far wrong ...me with a batton next year hammering the face of my missus in a protest..... oh yeah we in the army arent allowed to protest or **** so its" get out their now and hammer the **** outta them protesters" or your getting your ticket

MaxSteele · 14-09-2012 01:18AM

Pretty soon you'll be expected to slave all week, get extorted through levies, prsi, ESB and fuel prices rises etc and not even question why you can't enjoy a penny earned for yourself as "shure aren't yeee gettin' by like".

Soon as this degree is written in paper I'm emigrating off at the speed of light.

Galwayguy35 · 14-09-2012 01:18AM

Any particular reason OP why you only want to hear from "middle class" people?

Those of us on the minimum wage have bills and mortgages as well.

Scar Tissue · 14-09-2012 01:21AM

I'm a student so all my free money goes on drink

apparently :rolleyes:

Smidge · 14-09-2012 01:24AM

Galwayguy35 wrote: »

Any particular reason OP why you only want to hear from "middle class" people?

Those of us on the minimum wage have bills and mortgages as well.

The people who have lost their jobs and are on SW still have the same bills(or almost all of them) listed by the op;)

oldat31 · 14-09-2012 01:25AM

I have 3 kids and a dog....

Food: 10400
Mortage: Dont have one but rent a year: 3640 Council house....
Car payments X1.... we bought outright..... 2000
Creche costs: never used one...
School related expenses: lol I have 3 in school and books alone cost me 355, so I estimate 600
ESB: 1040
Gas/Oil: 1040
10 day foreign holiday.... Cant afford one!
Health insurance X5.. Cancled
Car insurance X1 :600
Petrol (unbelieveably expensive these days): 1600
House insurance: I wish.....
Put aside a few euros for retirement/rainy day: Yeah right....
Travel in Ireland: 500
Christmas/Birthdays: 5000
House maintaince and appliances: 1000
Occasional entertainment costs: 500 est
Clothes:500 est
Computer: 1020 internet....
Kids activities: 500est
Friends weddings/hotel/present: 500 est

There is more but Im not listing them..... I am unemployed and my GF works and between us we get: 28652

But adding up what we spend on the list above comes to: 30440.....

Thank god for HP.......

Galwayguy35 · 14-09-2012 01:35AM

mishkalucy wrote: »

The people who have lost their jobs and are on SW still have the same bills(or almost all of them) listed by the op;)

Yes I agree, and no money for holidays.

Smidge · 14-09-2012 01:38AM

Galwayguy35 wrote: »

Yes I agree, and no money for holidays.

Now don't you know all the people on SW are off willy-nilly on all sorts of hols:D

OnTheCounter · 14-09-2012 01:38AM

Galwayguy35 wrote: »

Any particular reason OP why you only want to hear from "middle class" people? Those of us on the minimum wage have bills and mortgages as well.

to be honest it is not a slight at minimum wage workers but i did purposefully single out "middle class" as i am asking about people who may have struggled through college on beans and toast, college during the day and working part time evenings and weekends to pay the rent and bills while studying in between or some young lad who went off to work on the sites and froze his bollox off during the winter on apprentice wages learning the building trade so that they would earn more than minimum wage down the line to have an expectation of not struggling from month to month.

Galwayguy35 · 14-09-2012 01:42AM

OnTheCounter wrote: »

to be honest it is not a slight at minimum wage workers but i did purposefully single out "middle class" as i am asking about people who may have struggled through college on beans and toast, college during the day and working part time evenings and weekends to pay the rent and bills while studying in between or some young lad who went off to work on the sites and froze his bollox off during the winter on apprentice wages learning the building trade so that they would earn more than minimum wage down the line to have an expectation of not struggling from month to month.

Ok, fair enough.

OnTheCounter · 14-09-2012 01:43AM

oldat31 wrote: »

I have 3 kids and a dog....

Food: 10400
Mortage: Dont have one but rent a year: 3640 Council house....
Car payments X1.... we bought outright..... 2000
Creche costs: never used one...
School related expenses: lol I have 3 in school and books alone cost me 355, so I estimate 600
ESB: 1040
Gas/Oil: 1040
10 day foreign holiday.... Cant afford one!
Health insurance X5.. Cancled
Car insurance X1 :600
Petrol (unbelieveably expensive these days): 1600
House insurance: I wish.....
Put aside a few euros for retirement/rainy day: Yeah right....
Travel in Ireland: 500
Christmas/Birthdays: 5000
House maintaince and appliances: 1000
Occasional entertainment costs: 500 est
Clothes:500 est
Computer: 1020 internet....
Kids activities: 500est
Friends weddings/hotel/present: 500 est

There is more but Im not listing them..... I am unemployed and my GF works and between us we get: 28652

But adding up what we spend on the list above comes to: 30440.....

Thank god for HP.......

thanks for that. A few more answers like that and we can start to get an idea of the cost of living in this country.

augustus gloop · 14-09-2012 01:46AM

me and the missus did the budget last night actually to the following figures:

earnings per month: 3400 (i am currently unemployed)

rent 750e
food 400e
utilities bills 60
upc 66
loans comb 300
fuel/toll 230
mortgage 1000
total 2806

before someone asks bout the rent and mortgage.... the missus bought a house before I met her, thank god it is in a different country as she is not Irish, it is currently rented but its taking a grand to keep on top of things from this side.
we are leaving this country for good in the new year. pity but due to circumstances my unborn children will not have the same nationality as I do. now that to me is a sad thing.

as someone rightly pointed out, thats all fine until the unexpected happened.. tip the car, invited to a wedding, and so on.

oldat31 · 14-09-2012 01:47AM

OnTheCounter wrote: »

thanks for that. A few more answers like that and we can start to get an idea of the cost of living in this country.

That list above is incomplete, I could easly ad another 5k onto that..... TV licence, Sky, nct, public transport, vet, ect, ect and the list just never ****ing ends.....

Smidge · 14-09-2012 01:52AM

oldat31 wrote: »

I have 3 kids and a dog....

Food: 10400
Mortage: Dont have one but rent a year: 3640 Council house....
Car payments X1.... we bought outright..... 2000
Creche costs: never used one...
School related expenses: lol I have 3 in school and books alone cost me 355, so I estimate 600
ESB: 1040
Gas/Oil: 1040
10 day foreign holiday.... Cant afford one!
Health insurance X5.. Cancled
Car insurance X1 :600
Petrol (unbelieveably expensive these days): 1600
House insurance: I wish.....
Put aside a few euros for retirement/rainy day: Yeah right....
Travel in Ireland: 500
Christmas/Birthdays: 5000
House maintaince and appliances: 1000
Occasional entertainment costs: 500 est
Clothes:500 est
Computer: 1020 internet....
Kids activities: 500est
Friends weddings/hotel/present: 500 est

There is more but Im not listing them..... I am unemployed and my GF works and between us we get: 28652

But adding up what we spend on the list above comes to: 30440.....

Thank god for HP.......

I have 2 kids who started primary and secondary this year, ordinary not private school and cost me between uniforms books etc the guts of a grand:eek:

Christmas/Birthdays
5000 euro:eek::eek:
We could NEVER be able to spend the colour of that.

Internet
That seems a helluva lot for internet, 40 euro pm x 12 =480 euro

Weddings
Have to swallow the shame and admit we can't afford to attend:(

Sappa · 14-09-2012 01:53AM

Reading through this thread there are a lot of people who are claiming to be struggling but spend over 1000 on the Internet and 5000 on presents,13000 on drink and gambling or the necessity of running two cars supposedly.
What's wrong with car pooling,foreign holidays per year is a massive luxury.
Both my parents were full time professionals during my youth and they couldn't afford to take us on a foreign holiday until I was 15 to France camping at the time and there are 2 older than me who never got a holiday abroad,it was off out to Commenara for us.
Sky tv and the likes are not necessities,we have good libraries that we can rent books from.
If you analyse your life and write down your basic needs a lot of the stiff you think you need you can do without.
I went from a massive wage to the dole queue a few yrs back and it was a reality call for us.
Since then I have been extra prudent,the reality if a couple on 50k after tax cannot save at least 20 percent of that wage then they have there priorities all wrong.

Smidge · 14-09-2012 01:55AM

augustus gloop wrote: »

me and the missus did the budget last night actually to the following figures:

earnings per month: 3400 (i am currently unemployed)

rent 750e
food 400e
utilities bills 60
upc 66
loans comb 300
fuel/toll 230
mortgage 1000
total 2806

before someone asks bout the rent and mortgage.... the missus bought a house before I met her, thank god it is in a different country as she is not Irish, it is currently rented but its taking a grand to keep on top of things from this side.
we are leaving this country for good in the new year. pity but due to circumstances my unborn children will not have the same nationality as I do. now that to me is a sad thing.

as someone rightly pointed out, thats all fine until the unexpected happened.. tip the car, invited to a wedding, and so on.

Your total utilities are 60 euro pm??????
You may have waaayyyyyy underestimated that:D

How much do you need to earn?

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