MagicSean wrote: »
I see you left this part out op
"By the Mabs analysis, however, the weekly household budget was running a deficit of nearly €300 and there appeared to be no means of reducing it."
I would have thought that was important.
Also when looking at an public service workers wages it's important to note that the pension levy was a pay cut which is still included in the gross figure so that should be taken into account when passing judgement.
kneemos wrote: »
It could be a civil service can't afford pay cuts pre budget whinge
floggg wrote: »
Not to mention I've never seen ESB deducted from a payslip.
smash wrote: »
There is no way in hell this guy should be given special media treatment. Everything is relative and there's thousands of families struggling, a lot of them more than this guy.
He's a Garda? Who gives a fùck?
MonkieSocks wrote: »
I feel sorry for the poor Guard.............have ya seen the price of Doughnuts these days :eek:
hyperborean wrote: »
A €65k Gardai Sargeants wage would equate to around €3.5k per month in the hand. €1.4k to the mortgage, leaving over €2k to run a 4 bedroom house and feed the family......What are we not being told?
12vdc wrote: »
Can you read?... Seriously?
It was his WIFE! For Fuchs sake
Tazz T wrote: »
I'll swap with him.
Mind you, his missus sounds like a a bit of a whinger. Is she good looking?
Outkast_IRE wrote: »
hope the criminals take note, garda openly admits financial problems, if the movies i watch are anything to go by they should be getting this guy to work for them on the side for extra money. :cool:
Kopparberg Strawberry and Lime wrote: »
the garda is clearly spending his money on hookers and drugs.
K-9 wrote: »
They should still have a net income of over 40k a year after all tax and levy deductions, mortgage leaves 25k, must be some bills to only have 5k a year to spend.
unkel wrote: »
Hookers and drugs are expensive!
Gerry Ryan couldn't cope on €30,000 net per month. How can the poor Sergeant cope on €65,000 gross per year?
12vdc wrote: »
The average Garda has to work away from home usually 40 miles
Diesel costs 100 a week multiply that by 52 and there's ur 5k
marketty wrote: »
Priorities all wrong as usual. If you can't put food on the table for your kids then it's your mortgage you can't afford, not food
giftgrub wrote: »
It doesnt make sense to me...my mortgage is tipping 1400 now thanks to rate hikes...and we bought AFTER things went wallop.
I dont make anywhere near 65K a year and right now we're down to one salary and maternity benefit.
never missed a payment but we recently went interest only because there was a delay in getting the maternity and we were down a big chunk every month but we'll be back to normal payments in January.
If i had a 65K salary I'd be delighted.....
pc7 wrote: »
According to the radio wages were upto 75k due to overtime so that difference would cover diesel. There is obviously more to this story than is being publised, they must have personal debt excluding their mortgage that is not being reported.
12vdc wrote: »
A mabs spokesperson has confirmed that this family are broke
What's the difficulty?
MagicSean wrote: »
The 65k includes all allowances and I presume overtime too. After the pension levy that leaves 60k. After taxes that leaves about 36k, which is about 3000 per month. Less the mortgage that's 1600k per month. Electricity and gas for a family of four about 250 a month. That's 1150 he now takes in per month or just under 300 per week. Another factor to consider is that newly promoted sergeants are often sent to stations far away so travel costs would be high. He's probably looking at fuel costs of up to 80 a week. Which leaves 200 a week for all the other household bills and costs. Take away the cost of medical aid which is a necessity in his line of work and he is bringing in less money per week than he would be on the dole.
It's not really hard to see where the money goes to be honest.
pc7 wrote: »
My difficulty is that I don't believe we are getting the full picture, there has to be personal debts or expenses outside of what we are being told (that MABs know). So the poor mouth is very hard to take. I don't know if you are a guard and that is why you seem to be taking this so personnally. I don't care if the guy is a guard or a lollypop lady, a family with a mortgage of 1400 a month on approx 75k a year (including ot) plus childrens allowance should not be in such a poor position if that is their only outgoing.
ted1 wrote: »
your fogettinn to allow for 250 Mortgage ineterst relief
Now, after computing the household figures, the Mabs adviser was focusing on the mortgage of nearly €1,400 a month. Unless Colm started selling impounded drugs, she joked, they would have to seek help from St Vincent de Paul. She would be happy to refer them. In her long, neat columns of income and outgoings, the family’s “available income” per week came to minus €286.36. The mortgage is over the next 25 years and her husband is over 50, Jean wrote.
After six years’ service as a sergeant, the basic salary before allowances is €51,084 but clearly, their day-to-day living expenses have come to depend on the allowances and child benefit. Not featured in the payslip is a payment of €500 a month, after tax, to cover unsocial hours. For Colm, this is compensation for six consecutive nights a month of 10-hour duty, plus Saturday and Sunday work.
After all deductions, he is left with about €109.22 net on his weekly payslip to cover all other costs. Their great fear now is of losing any of those allowances, which Jean describes as a lifeline. If the rent allowance was cut, for example, he would be left with about €30 on his payslip in an average week to cover essential outgoings.
The picture painted by the Mabs adviser is not quite as cheerful. She calculated the family’s net pay and child benefit total at €807.37. After totting up the mortgage payment and items such as fuel, food, clothing and footwear, education/medical/ transport, bin charges etc, she saw no way of getting their outgoings below €1,100 a week.