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Garda Sergeant can't afford food

1…34689…24

Comments

  • #252
    mariaalice
    Registered Users, Registered Users 2 Posts: 12,615 ✭✭✭✭mariaalice


    This is only going to make people angry and I can see it has by looking at this thread, my take on the whole thing is this there have been a very slow nibbling away at peoples income and because individually they are small they can creep up unnoticed on people..household charge, increases in petrol prices, increase in gas and electricity prices and so on...so its perfectly possible for someone to have managed reasonable well a few years ago and to now be struggling even if the income has not changed.

    At the same time you have got to wonder why the wife is not working.

    The bit that annoys me when I read any articles like that and similar ones are the narratives around ideas like "bettering yourself" and the belief that a certain jobs/income entitle you to a particular lifestyle.


  • #253
    Bannasidhe
    Registered Users, Registered Users 2 Posts: 19,218 ✭✭✭✭Bannasidhe


    MagicSean wrote: »
    Not at all. You were sensible to put money away. But there's no point coming on here and bragging about your ability to budget while on the dole when in actual fact you were wiping out your savings.

    Why the passive aggressiveness?

    Who is bragging?
    There are hundreds of thousands of people who are still doing what I had to do. It's called facing reality.

    If one is living beyond ones means then one needs to reassess ones expenditure and start making cuts. That's just life.


  • #254
    Chucky the tree
    Closed Accounts Posts: 19,341 ✭✭✭✭Chucky the tree


    MagicSean wrote: »
    It's not suitable for calculating a Gardas wage. Here's my own calculations.

    Gross pay €47,314.95
    Rent allowance €4,113.75
    Boot allowance €123.04
    Uniform allowance €226.00
    Saturday allowance €538.46
    Sunday allowance €4,367.53
    Evening allowance €554.82
    Night allowance €5,392.84
    Total Income €62,631.39

    Pension levy 5% 15001 -20,000 €250.00
    Pension levy 10% up to 60k €4,000.00
    Pension levy 10.5% on over 60k €276.30
    Total pension levy €4,526.30

    Taxable Income €58,105.09

    PRSI (4% over 6,604) €2,060.04
    USC 2% on €10,036 €200.72
    USC 4% up to €16,016 €239.20
    USC 7% over €16,016 €2,946.24
    PAYE 20% €6,560.00
    PAYE 41% €7,075.09
    Pension contribution 5% €2,905.25
    Basic Deductions €21,986.54

    Net pay after basic deductions €36,118.55


    Don't forget to add the €5,136 for Child benefit.


  • #255
    MagicSean
    Closed Accounts Posts: 9,897 ✭✭✭MagicSean


    Chucky the tree wrote: »
    Don't forget to add the €5,136 for Child benefit.

    Why would I include child benefit when showing salary calculations?


  • #256
    Theo Shapely Thanksgiving
    Posts: 0 ✭ Theo Shapely Thanksgiving


    Initially, I had a bit of sympathy because I've seen plenty of people struggle despite earning 'high' salaries, including my parents. People just don't get how much tax high earners pay and conveniently forget, while they brag about how easy it is to manage on the dole, that higher earners have to pay for all the stuff they take for granted like medical care.

    That said, my sympathy disappeared when I read that the woman is going to take 100 euro off her retired parents to pay for the fecking dishwasher! Who on earth would do that? If she can afford a dishwasher while her kids eat cornflakes, she has her priorities wrong. It also sounds like she has a massive sense of entitlement. I'd have to have an urgent need for money to take it from a retired couple, I'd never take money for something so ridiculous.

    No sympathy about the college kid either. I paid for my own college expenses and so did most people I know. I wasn't entitled to a penny in grants. There are part time jobs, student loans, opportunities to study abroad where fees are low or free. If the kid isn't going to college because the parents can't fund it, they obviously don't need/want it that much, do they?


  • #257
    ilovesleep
    Closed Accounts Posts: 3,619 ✭✭✭ilovesleep


    angelfire9 wrote: »
    Now take that as a weekly figure of €694.58 because gardai get payed weekly
    Mortgage €323 a week
    Net pay is now down to €371 per week
    Medical Aid (which is not optional) 62.38 a week
    Net pay now down to €309 or €1236 a month

    Lets look at the Utility Bills
    Mobile probably 30 quid a month (and thats being cheap) and yes a mobile is required for work
    Eircom for broadband and house phone (The kids will want the internet for studying) 40 quid a month
    Electricity 50 quid a month seem reasonable??
    Gas or Home Heating lets allow another 50 quid a month
    insurances (lets allow 400 a year for the car and 400 a year for the house being generous) say €70 a month (rounding up)

    So that is bills of €240 a month
    Leaving the family with €996 a month or 249 a week
    petrol probably costs him 60 quid a week leaving him with 189

    Not too far off the figure MABS looked at
    And i haven't included a sky subscription
    Or Bin Charges
    Or the Household tax
    And i've underestimated most of the bills

    Not mention health insurance. If you don't have a medical card, it doesn't pay to get sick in this country and IMO health insurance is a need. Nobody knows when illness or sickness is going to strike.

    How many kids does he have? Four, is it. One at collage age. The rest probably school going and that costs money with uniforms and books and other bits and pieces.

    Thank you angelfire for this post. Fcuk! So it's very much possible to end up with fcek all after taxes and charges and other outgoings.

    I'd say many more are in this position too and just too fcuking proud to say anything.

    :-(


  • #258
    MagicSean
    Closed Accounts Posts: 9,897 ✭✭✭MagicSean


    Bannasidhe wrote: »
    Why the passive aggressiveness?

    Who is bragging?
    There are hundreds of thousands of people who are still doing what I had to do. It's called facing reality.

    If one is living beyond ones means then one needs to reassess ones expenditure and start making cuts. That's just life.

    Your point was that you could budget for expenses and a mortgage while on the dole implying that the sergeant in question ahouls be able to. In fact the dole payments alone were not enough for you to budget with so your point is moot.


  • #259
    Chucky the tree
    Closed Accounts Posts: 19,341 ✭✭✭✭Chucky the tree


    MagicSean wrote: »
    Why would I include child benefit when showing salary calculations?


    Good point.

    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.


    Don't forget to add the €5,136 for Child benefit. Also €1,600 minus €250 is not €1,150.


  • #260
    summerskin
    Closed Accounts Posts: 1,760 ✭✭✭summerskin


    fishy fishy wrote: »
    try lidl - you can get baskets of fruit and veg and healthy foods for next to nothng.

    We do our shopping at Aldi, Tesco and the greengrocer.


  • #261
    Emeraldy Pebbles
    Closed Accounts Posts: 787 ✭✭✭Emeraldy Pebbles


    MagicSean wrote: »
    Why would I include child benefit when showing salary calculations?

    It has to be factored in because it contributes to income.


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  • #262
    Sorcha16
    Banned (with Prison Access) Posts: 343 ✭✭Sorcha16


    I think I know where he went wrong


  • #263
    Bannasidhe
    Registered Users, Registered Users 2 Posts: 19,218 ✭✭✭✭Bannasidhe


    MagicSean wrote: »
    Your point was that you could budget for expenses and a mortgage while on the dole implying that the sergeant in question ahouls be able to. In fact the dole payments alone were not enough for you to budget with so your point is moot.

    No my point was that due to necessity I had no option but to cut back as my income was less then it had previously been.
    I had no choice in the matter. If this family - or any other family regardless of income - is spending more then their income they also have no choice but to make cuts.

    If someones expenditure exceeds their income they are not budgeting properly a fact you seem to be either unable to grasp or for some reason wish to ignore.

    But go ahead and Damn my eyes for being prudent..


  • #264
    ilovesleep
    Closed Accounts Posts: 3,619 ✭✭✭ilovesleep


    Theo Shapely Thanksgiving wrote: »
    Initially, I had a bit of sympathy because I've seen plenty of people struggle despite earning 'high' salaries, including my parents. People just don't get how much tax high earners pay and conveniently forget, while they brag about how easy it is to manage on the dole, that higher earners have to pay for all the stuff they take for granted like medical care.

    That said, my sympathy disappeared when I read that the woman is going to take 100 euro off her retired parents to pay for the fecking dishwasher! Who on earth would do that? If she can afford a dishwasher while her kids eat cornflakes, she has her priorities wrong. It also sounds like she has a massive sense of entitlement. I'd have to have an urgent need for money to take it from a retired couple, I'd never take money for something so ridiculous.

    No sympathy about the college kid either. I paid for my own college expenses and so did most people I know. I wasn't entitled to a penny in grants. There are part time jobs, student loans, opportunities to study abroad where fees are low or free. If the kid isn't going to college because the parents can't fund it, they obviously don't need/want it that much, do they?

    How long ago was it since you went to college?

    4/5 years ago maybe it was possible to pick up a part time job but nowdays jobs are hard to come by and few and far between. And tesco shelf stacking internships! taking real paying jobs out from the economy. How the hell can a student compete against that. My sister went back to collage about two years ago. She knew in advance she wanted that and she saved in advance. She was hoping to get work but she was unable to and she was living in a city. She had to live off her savings. She lived of 150 a week - rent, bills, 20 euro food in aldi.
    She had the opportunity to save. A school leave does not. Even if they were to take a year off after school in the hope that they get work, they may not get work. Fcuk, they may not even get unemployment assistance depending on his her parents.

    To some degree the state are responsible for this. The government of the time were egging people on that all was fine and dandy and many people went with it and many probably never saved for theirs third level thinking that free third level will always be there.


  • #265
    barbiegirl
    Registered Users, Registered Users 2 Posts: 1,846 ✭✭✭barbiegirl


    Rabidlamb wrote: »
    My OP noted the big difference that my mortgage is half what they are paying.
    I spent less than €200k on a 4 bed in 2005 & got small tracker.
    Neither struggling or out of my depth I'm afraid.



    My mortgage costs less than rent & in 18 years I'll own the house, which will be nice.



    Health Insurance premiums
    Petrol for 2 cars
    Car loan repayments
    2x Car Insurance premiums
    2x Car tax
    2x Car upkeep costs
    Electricity
    Gas/Oil
    Weekly shop
    TV Licence
    Sky/UPC Sub
    Broadband
    Mobile contract & prepay top up
    Childcare
    Doctor visits
    Children's school expenses
    House upkeep & decoration costs
    Gardening costs
    Residents Committee/management fees
    Holiday savings
    Prescription medicines up to €130 per month

    As I've said, try walking in their shoes for a week & see how you get on.
    Of course they represent the high earning coping class which the government will gouge in the next budget for their huge disposable income.

    Everything boldedd is non-essential. If you can't afford get rid of it. Gardening expenses my eye :rolleyes:


  • #266
    Menas
    Closed Accounts Posts: 12,318 ✭✭✭✭Menas


    (edit) Barbie girl beat me to it. However I would not agree that TV licence is essential when you cannot put food on the table.


  • #267
    Forest Demon
    Closed Accounts Posts: 632 ✭✭✭Forest Demon


    The average BMI does not tally with all this lack of food. Especially in the Guards :)


  • #268
    Wompa1
    Registered Users, Registered Users 2 Posts: 8,177 ✭✭✭Wompa1


    After taxes it's not all that much in fairness BUT it sounds like they are just living well beyond their means. Adjust and you'll be fine.


  • #269
    Mellio
    Registered Users Posts: 287 ✭✭Mellio


    barbiegirl wrote: »
    Everything boldedd is non-essential. If you can't afford get rid of it. Gardening expenses my eye :rolleyes:


    Valid points on all bar one - childcare is non essential, what do you propose get rid of your kids. Mmmmmm :D

    I still think this thing shouldnt be given any legs, there are far too many people in this boat right now to focus on just one presons plight no matter what they are left with. dont beleive one minute that there kids are on cornflakes some days. even with €109 you can shop economically to provide well balanced meals for the week.

    I think what this really highlights is how peolpe are just managing these days yet the government are hell bent on attacking the people that work in the private or public sector.

    You need to have either of the following to live comfortably:
    • A low mortgage
    • High Mortgage and €100K a year
    Not many middle or working class of the second option.


  • #270
    Fromthetrees
    Closed Accounts Posts: 1,846 ✭✭✭Fromthetrees


    This isn't really applicable to this story but in general people need to know the beauty of renting, I'd love to own my own house eventually but for now renting is a winner for me. The hoover broke last week, ring landlord, new one delivered to the house today, light bulb goes, ring the handyman and he calls around with a ladder to fix it (have very high ceilings), washing machine broke last month, come and fix it now man I'm not going to pay, there's a communal bin area that costs nothing, when I shared a house with my friends the Sky sub (with Sports ect.) was a third of the cost, a third on a playstation, a third on BB, likewise the heating and all the other bills that came in. It's obviously not for everyone but renting can be a serious money saver if your circumstances are right for it.


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  • #271
    sellerbarry
    Closed Accounts Posts: 776 ✭✭✭sellerbarry


    Just saw this thread and had to look at the calender.! Thought it was april 1st. This has to be a piss take.


  • #272
    Giruilla
    Registered Users, Registered Users 2 Posts: 1,595 ✭✭✭Giruilla


    The sense of entitlement in Ireland - exemplified strongly by that ridiculous Irish Times article - is truly shocking.


  • #273
    anndub
    Registered Users, Registered Users 2 Posts: 509 ✭✭✭anndub


    Story doesn't add up. My Dad held the same position and raised six of us comfortably on his salary alone. All of us hold a third level qualification. My mother didn't work.


  • #274
    Tombo2001
    Registered Users, Registered Users 2 Posts: 6,709 ✭✭✭Tombo2001


    mariaalice wrote: »
    At the same time you have got to wonder why the wife is not working.

    .


    A very obvious answer to that question is the cost of working.

    Childcare costs €25k a year (or €50k in salary terms).

    Commuting....€1k to €3k a year, depending on where you have to go.

    Plus, the tax shield for a married couple with one worker is better for where there are two.


  • #275
    stevedublin
    Registered Users, Registered Users 2 Posts: 980 ✭✭✭stevedublin


    Giruilla wrote: »
    The sense of entitlement in Ireland - exemplified strongly by that ridiculous Irish Times article - is truly shocking.

    Yes, how dare spoilt Irish kids feel entitled to food. :rolleyes:


  • #276
    road_high
    Registered Users, Registered Users 2 Posts: 19,474 ✭✭✭✭road_high


    All this article does for me is reinforce my view that Gardai are grossly overpaid.


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  • #277
    Shenshen
    Registered Users, Registered Users 2 Posts: 9,453 ✭✭✭Shenshen


    Mellio wrote: »
    Valid points on all bar one - childcare is non essential, what do you propose get rid of your kids. Mmmmmm :D

    Considering that there is no mention of her income, I suspect the wife is a stay-at-home mom.
    No need to pay for additional childcare, is there?


  • #278
    barbiegirl
    Registered Users, Registered Users 2 Posts: 1,846 ✭✭✭barbiegirl


    Mellio wrote: »
    Valid points on all bar one - childcare is non essential, what do you propose get rid of your kids. Mmmmmm :D

    Ah no, sure you can put them in the backyard ;) Seriously I'm assuming that she is a housewife, therefore why pay for childcare?


  • #279
    Bannasidhe
    Registered Users, Registered Users 2 Posts: 19,218 ✭✭✭✭Bannasidhe


    Tombo2001 wrote: »
    A very obvious answer to that question is the cost of working.

    Childcare costs €25k a year (or €50k in salary terms).

    Commuting....€1k to €3k a year, depending on where you have to go.

    Plus, the tax shield for a married couple with one worker is better for where there are two.

    If one parent is not working outside the home why is childcare required?

    And yes, I am a parent.


  • #280
    Undercover Elephant
    Registered Users Posts: 465 ✭✭Undercover Elephant


    anndub wrote: »
    Story doesn't add up. My Dad held the same position and raised six of us comfortably on his salary alone. All of us hold a third level qualification. My mother didn't work.

    He probably didn't have a €1400 monthly mortgage payment, though. My parents' mortgage was fixed at £25 / month.

    And maybe your parents, like most good parents, did their best to shield from their children how difficult it can sometimes be.


  • #281
    Degringola
    Registered Users Posts: 415 ✭✭Degringola


    Don't know if this has been asked already, but does he have 'investment properties'. Gardai are notorious for their 'property portfolios.'

    It's the one question that's never asked by any interviewer ever. The elephant in the room.


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  • #282
    Giruilla
    Registered Users, Registered Users 2 Posts: 1,595 ✭✭✭Giruilla


    stevedublin wrote: »
    Yes, how dare spoilt Irish kids feel entitled to food. :rolleyes:

    You honestly believe that woman can't afford to feed her kids?


  • #283
    Giruilla
    Registered Users, Registered Users 2 Posts: 1,595 ✭✭✭Giruilla


    Make no mistake, that article is nothing to do with them struggling to feed their kids or survive... its about them 'struggling to keep up a lifestyle!!'


  • #284
    Mountjoy Mugger
    Registered Users, Registered Users 2 Posts: 4,487 ✭✭✭Mountjoy Mugger


    A very entertaining thread.

    Please, carry on with the holier than thou "I can live on half that - raise 6 kids - pay a mortgage - send my kids to Uni - they should shut up - let them eat porridge" posts.


  • #285
    asherbassad
    Banned (with Prison Access) Posts: 1,869 ✭✭✭asherbassad


    xabi wrote: »
    I bet they have 2 fairly new cars with high repayments along with all the other luxuries like full sky package, high speed broadband, iphones, gym membership, etc, etc. Most people seem to think these items are basic and couldn't live without them. I caught the tail end of this story on Ireland AM, they recon they have €109 / week left after all bills are paid!

    €109 / week ?????

    I could feed a family of 10 with that. And it wouldn't be slop either.


  • #286
    asherbassad
    Banned (with Prison Access) Posts: 1,869 ✭✭✭asherbassad


    Plazaman wrote: »
    Yes, it's a well known fact that all Gardai do not pay tax :rolleyes:

    Although I do call bullshít on this :



    A Garda Sergeant would not be paid weekly, it's either fortnightly or monthly. You Madam, are a liar!

    And since when does your mortgage, bills, etc. get deducted from your salary?


  • #287
    Celticfire
    Registered Users, Registered Users 2 Posts: 1,706 ✭✭✭Celticfire


    asherbassad wrote: »
    €109 / week ?????

    I could feed a family of 10 with that. And it wouldn't be slop either.

    Go ahead..... post up the menu and costings...


  • #288
    Pal
    Closed Accounts Posts: 4,115 ✭✭✭Pal


    They could go to the Christmas Markets with Ryanair and buy a years supply of cornflakes there. Only €23 one way incl taxes.


  • #289
    MagicSean
    Closed Accounts Posts: 9,897 ✭✭✭MagicSean


    asherbassad wrote: »
    And since when does your mortgage, bills, etc. get deducted from your salary?

    I've already said there's a scheme with the credit union to have money for bills deducted straight from the salary and placed in the a budget account for bills to be be paid from.


  • #290
    MagicSean
    Closed Accounts Posts: 9,897 ✭✭✭MagicSean


    Chucky the tree wrote: »
    Good point.





    Don't forget to add the €5,136 for Child benefit. Also €1,600 minus €250 is not €1,150.

    Thanks for the correction.
    Emeraldy Pebbles wrote: »
    It has to be factored in because it contributes to income.

    But i was only giving a breakdown of the salary figure.
    Bannasidhe wrote: »
    If someones expenditure exceeds their income they are not budgeting properly a fact you seem to be either unable to grasp or for some reason wish to ignore.

    Right, like yours was when you lost your job.


  • #291
    stevedublin
    Registered Users, Registered Users 2 Posts: 980 ✭✭✭stevedublin


    Pal wrote: »
    They could go to the Christmas Markets with Ryanair and buy a years supply of cornflakes there. Only €23 one way incl taxes.

    Thats €46 return, and much more again when the baggage charges (for all those cornflakes!) are included


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  • #292
    Pal
    Closed Accounts Posts: 4,115 ✭✭✭Pal


    They could get a job on a supermarket checkout at €10 an hour.

    Work 10 hour days. Every day.

    Within a short 3 years, they could buy a wedding cake.


  • #293
    blow69
    Registered Users, Registered Users 2 Posts: 668 ✭✭✭blow69


    I find it very hard to buy.

    Is she really telling us that she can't substitute/reduce spending in one area in order to feed their kids? Is there really no money left?

    For example, say, as has been previously suggested, the husband has to travel a fair bit to work in a different Garda station which leads to higher fuel costs. Does he eat out or bring a packed lunch with him?

    Little things like this all add up as a big monthly expense without you even realizing it.


    I just feel if they closely examine their expenditure and write it down they will see the areas where sacrifices can be made and where spending can be reduced/cancelled.


  • #294
    starviewadams
    Registered Users, Registered Users 2 Posts: 6,116 ✭✭✭starviewadams


    Most likely union budget kite flying.


  • #295
    jackal
    Registered Users Posts: 794 ✭✭✭jackal


    Rabidlamb wrote: »
    My OP noted the big difference that my mortgage is half what they are paying.
    I spent less than €200k on a 4 bed in 2005 & got small tracker.
    Neither struggling or out of my depth I'm afraid.

    My mortgage costs less than rent & in 18 years I'll own the house, which will be nice.

    Ah yeah, sorry I forgot that bit. But what is your point about people living with mammy during the boom being out of their depth about?
    Rabidlamb wrote: »
    Health Insurance premiums
    Petrol for 2 cars
    Car loan repayments
    2x Car Insurance premiums
    2x Car tax
    2x Car upkeep costs
    Electricity
    Gas/Oil
    Weekly shop
    TV Licence
    Sky/UPC Sub
    Broadband
    Mobile contract & prepay top up
    Childcare
    Doctor visits
    Children's school expenses
    House upkeep & decoration costs
    Gardening costs
    Residents Committee/management fees
    Holiday savings
    Prescription medicines up to €130 per month

    As I've said, try walking in their shoes for a week & see how you get on.
    Of course they represent the high earning coping class which the government will gouge in the next budget for their huge disposable income.

    Of the things you mention there, would you insist on keeping all them and having "corn flakes days" or would you cut the cloth to suit your purse, if you had a bigger mortgage and were left with 109 a week?

    All the things highlighted are wants rather than needs, and certainly would not come before feeding your family if things got a bit tight.


  • #296
    Undercover Elephant
    Registered Users Posts: 465 ✭✭Undercover Elephant


    blow69 wrote: »
    I just feel if they closely examine their expenditure and write it down they will see the areas where sacrifices can be made and where spending can be reduced/cancelled.

    The Department of Finance called. They said to shut up.


  • #297
    Scortho
    Closed Accounts Posts: 3,876 ✭✭✭Scortho


    I smell a rat! As others have said, there has to be additional debt somewhere else.

    And I always thought the Irish Times was the paper of record in this country...


  • #298
    yosser hughes
    Registered Users, Registered Users 2 Posts: 3,905 ✭✭✭yosser hughes


    Scortho wrote: »
    I smell a rat! As others have said, there has to be additional debt somewhere else.

    And I always thought the Irish Times was the paper of record in this country...

    They've now closed the comments section on that article too. Most of the comments posted thus far were sceptical about the story amd most were saying we weren't getting the full picture. Very shoddy journalism.

    edit:Sorry,there appears to be two articles on this in the IT. One has the comments section removed,the other is still open.My mistake.It probably makes sense to have the comments open for just the one article.


  • #299
    Menas
    Closed Accounts Posts: 12,318 ✭✭✭✭Menas


    It is a pretty ridiculous article for the IT to publish. Surely the hack who put it together should have done a bit of due dilligence before publishing this drivel.

    The comments on their own webpage tend to reflect what is said on here.

    I reckon it is part of the GRA 'dont touch our allowances' pre budget posturing.


  • #300
    Bannasidhe
    Registered Users, Registered Users 2 Posts: 19,218 ✭✭✭✭Bannasidhe


    MagicSean wrote: »



    Right, like yours was when you lost your job.

    What exactly is your problem with me?

    That I actually did cut my expenditure like hundreds of thousands of other in this country have had to do or that I didn't whinge to a newspaper?


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  • #301
    davet82
    Closed Accounts Posts: 3,753 ✭✭✭davet82


    i heard Brendan Howlin was behind the letters :P


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