Garda Sergeant can't afford food

juan.kerr · 20-10-2012 05:43PM

Rodin wrote: »

'' After tax, Universal Social Charge, pension, health insurance, mortgage and utility deductions, a typical weekly payslip shows a net payment of €109. ''

So he pays for his ESB and mortgage through payroll deduction? I dont think so.

Potential-Monke · 20-10-2012 05:45PM

juan.kerr wrote: »

None of this would 'identify' the Sergeant, so I don't really accept your original response.

All they need to do is split it out with 'Loan repayments' or 'Maintenance' or similar, they already break out Mortgage and Credit Union so I'd be surprised if this is servicing further debt. I'm not expecting them to list the financial institutions or name the ex-spouse.

As for donations to Charity or Pension Fund, that's the last thing they should be spending money on right now.

The figures would be net of 'fines from work' as these would be deducted at source.

Leaving a 4k figure unaccounted for raises my suspicions.

I was only giving examples. A repayment of €84 per week to the Credit Union could easily identify the member, as could repayments to ex-spouses. You don't need names, it's the Government, they have access to all the payslips and just need to find someone who matches all the figures. I agree that Pension or Charity donations are the least of their worries, but again it was only examples i was giving.

It could possibly be hire purchase repayments, a lot of people have them.

Madam_X wrote: »

Pension fund donations are mandatory in the public sector I think.

You are correct. But it could be an additional, separate pension fund. €25k a year is not a lot to support 2 or more people.

juan.kerr wrote: »

So he pays for his ESB and mortgage through payroll deduction? I dont think so.

The facility is there, through the Credit Union.

the groutch · 20-10-2012 05:50PM

Boombastic wrote: »

Mortgage (interest only): €280.00
Mortgage Protection Insurance €15,00
Buildings/Contents Insurance €7.00
Food/Housekeeping €200,00
Electricity Usage €25.00
Heat/Fuel Usage €25.00
TV licence €4.00
Waste Charges €5.00
Telephone/Other utilities €43.00
Transports costs €127.50
Educational costs (college registration fees, children’s uniforms) €75.00
Clothing/Footwear €60.00
Medical costs (insurance) €73.23
Repairs & Maintenance €20.00
Other Expenditure €84.00
Credit Union €50.00

Total €1,093.73

€93 a week (€400 pm) on utilities??? are they leaving the lights & heating on 24/7 while watching sky sports?

€60 a week on clothes? that's over €400 EACH they're spending on clothes (it'd take me about 3 years to spend that much). and that doesnt even include uniforms.

€84 other expenditure per week. I'd be VERY VERY interested in where this near five grand a year is disappearing to.

juan.kerr · 20-10-2012 05:56PM

Potential-Monke wrote: »

I was only giving examples. A repayment of €84 per week to the Credit Union could easily identify the member, as could repayments to ex-spouses. You don't need names, it's the Government, they have access to all the payslips and just need to find someone who matches all the figures.

My understanding is that the families identity is known to at least 2 government departments (Transport & Social Protection) and the department ministers.

A spokesman for the Minister for Transport, Leo Varadkar said the woman had been in regular correspondence with the minister. “He understands that her husband is in secure public sector employment but they bought their home at the height of the boom and are struggling to pay a large mortgage on reduced pay.” He hoped she would be “able to resolve her financial problems with [the] assistance of Mabs and others.”

juan.kerr · 20-10-2012 05:59PM

the groutch wrote: »

€60 a week on clothes? that's over €400 EACH they're spending on clothes (it'd take me about 3 years to spend that much). and that doesnt even include uniforms.

€3k a year for clothing and footwear for the family certainly seems excessive.

Potential-Monke · 20-10-2012 06:01PM

juan.kerr wrote: »

My understanding is that the families identity is known to at least 2 government departments (Transport & Social Protection) and the department ministers.

I grant you that, so maybe they are keeping it from colleagues who would be able to identify them. It took me a long time to finally admit to my colleagues that i'm broke and can't afford to go out or whatever with them. Some people can't do that.

juan.kerr · 20-10-2012 06:05PM

Potential-Monke wrote: »

I grant you that, so maybe they are keeping it from colleagues who would be able to identify them. It took me a long time to finally admit to my colleagues that i'm broke and can't afford to go out or whatever with them. Some people can't do that.

You haven't convinced me that it has anything to do with protecting their identity so we can probably agree to disagree on that point.

Potential-Monke · 20-10-2012 06:08PM

juan.kerr wrote: »

You haven't convinced me that it has anything to do with protecting their identity so we can probably agree to disagree on that point.

I'll just leave one last point on it so, then i'll agree to disagree. While they may already be able to identify the Sergeant by this, but if a close colleague of mine had a car on hire purchase i would probably know how much they are paying back, thus meaning i would be able to guess that this Sergeant is my colleague.

I'm not trying to say that this is the reason, but is a possible reason.

Geuze · 20-10-2012 06:09PM

juan.kerr wrote: »

So he pays for his ESB and mortgage through payroll deduction? I dont think so.

Yes, the Garda CU has a billpay scheme, so the payments are taken at soucre from payroll vai the CU to pay all bills.

http://www.straphaelscu.ie/financial-services/budget-account-plan/

juan.kerr · 20-10-2012 06:13PM

Potential-Monke wrote:

The facility is there, through the Credit Union.

Geuze wrote: »

Yes, the Garda CU has a billpay scheme, so the payments are taken at soucre from payroll vai the CU to pay all bills.

http://www.straphaelscu.ie/financial-services/budget-account-plan/

Fair enough, I stand corrected.

golden lane · 20-10-2012 06:16PM

is this the early april fools thread...??????

Boombastic · 20-10-2012 06:44PM

€84, this €84 could possibly be the difference they have to make up for the mortgage on the second property. i.e the tenants pay x amount and the landlord makes up the difference to cover the mortgage

Either that or it's for the hairdresser

flutterflye · 20-10-2012 07:17PM

HeyThereDeliah wrote: »

I have read all this thread but just laughed at some of the ridiculous post, I would like to see some posters on here succeeding in feeding a family of six on €109 a week.
I seen someone post about saving money, posted by someone who is not rearing a family no doubt, someone else suggesting renting and moving near his job, selling the house etc is the recession over and no one told the rest of us.

Many posters on here are so self righteous its unbelievable, dunno why this country is in the mess it's in considering the knowledge and expertise that's around or is that just key board warriors.

I have no idea if the story is true or not but the empathy shown here for certain professions is down right nasty.

There are 5 in my family - 3 kids.
Our weekly shop is about €80 - Including nappies and baby formula.
Sometimes lower, sometimes higher.
You shop in Lidl/Aldi, look for bargains in butchers/fruit shops etc...
You make dinners with meat and veg, rather than buying packets of frozen food.
Simples.

Like most here - we have a sh!tload less money coming in, and while things are by no means wonderful financially, we're grand.
We get by.

You buy kids clothes in Penny's, do without new clothes for yourself.
Or even have a look in charity shops - plenty of decent stuff in them if you look.
That kind of thing.

I'm really not understanding how people think there is any begrudgery in this thread.
I read most of it and didn't see any.

No one at all begrudges them their money.
They just think they are managing their money very poorly, and that they need to look at ways to cut down their expenses rather than go crying to SVP.

HeyThereDeliah · 20-10-2012 08:12PM

Fair play to anyone who can feed a family of five for seven days for €80, I should be able to feed two of us for €30 but I honestly don't think I could.
As for shopping in lidl/aldi is this the poor mans shop or something, i don't think it's that cheap tbh.

mikemac1 · 20-10-2012 08:38PM

Tesco are selling noodles for 20c
Two flavours

About 600 calories in a pack

Just adding it to the thread

If you are a student and still no sign of your grant you probably already know this

Japer · 20-10-2012 08:46PM

Shenshen wrote: »

You know what? There are a lot of people out there actually struggling. People who have lost their jobs, families with both parents out of work, etc.
And this letter asks for sympathy for someone who has a secure job and earns more than twice what I make. Now, I realise that without children, I'm not exactly in the same place, but I do have my mortgage to pay and l find it difficult to feel honest sympathy for someone making that much money claiming to be struggling, when I myself consider myself lucky and not badly off at all.

well said. And you know what? That same Garda can retire after only 30 years service with a pension pot worth 1.1 million. The figures were produced earlier this thread. The country is truly F****d when people do not point out the Garda is overpaid. Do you know the average public sector wage in the UK? its 21.5k a year sterling. Out of that they pay property tax, higher fuel costs etc.

goat2 · 20-10-2012 08:51PM

flutterflye wrote: »

There are 5 in my family - 3 kids.
Our weekly shop is about €80 - Including nappies and baby formula.
Sometimes lower, sometimes higher.
You shop in Lidl/Aldi, look for bargains in butchers/fruit shops etc...
You make dinners with meat and veg, rather than buying packets of frozen food.
Simples.

Like most here - we have a sh!tload less money coming in, and while things are by no means wonderful financially, we're grand.
We get by.

You buy kids clothes in Penny's, do without new clothes for yourself.
Or even have a look in charity shops - plenty of decent stuff in them if you look.
That kind of thing.

I'm really not understanding how people think there is any begrudgery in this thread.
I read most of it and didn't see any.

No one at all begrudges them their money.
They just think they are managing their money very poorly, and that they need to look at ways to cut down their expenses rather than go crying to SVP.

i really would love to know how you do it, i am a person who have fresh dinner every day, no packets, i always look out for bargains and shop at aldi, and i say if it is not a bargain it is not in my trolly.
have you tips and tricks on how to get by.

golden lane · 20-10-2012 08:55PM

this is a very mature family.........

do they really have to be told how to shop......?????

Japer · 20-10-2012 08:58PM

flutterflye wrote: »

There are 5 in my family - 3 kids.
Our weekly shop is about €80 - Including nappies and baby formula.

80 a week is about €4,000 a year. The overpaid Garda is earning €65,000 a year ....and almost certainly will have a government pension pot worth € 1,100,000 by the time he's 50 ( assuming he started work as a Guard aged 20 ).....so he/she does not have to worry about providing extra for a pension.

This thread is a sick joke. 9 out of 10 people in the private sector would literally give their arm to be in the same financial position as the Guard.

mikemac1 · 20-10-2012 09:05PM

This guy won't go bankrupt

But isn't there some rule that if a garda goes bankrupt they are forced to resign?

I had a quick search on this thread but nobody else mentioned it, maybe I have it wrong

flutterflye · 20-10-2012 09:11PM

goat2 wrote: »

i really would love to know how you do it, i am a person who have fresh dinner every day, no packets, i always look out for bargains and shop at aldi, and i say if it is not a bargain it is not in my trolly.
have you tips and tricks on how to get by.

Ha! Eh.. no tbh!
You sound like you do what I do.
Not sure what I do differently

Why, how much do you spend?

Shenshen · 20-10-2012 09:13PM

goat2 wrote: »

i really would love to know how you do it, i am a person who have fresh dinner every day, no packets, i always look out for bargains and shop at aldi, and i say if it is not a bargain it is not in my trolly.
have you tips and tricks on how to get by.

I find that buying in bulk whenever possible helps a lot.
Lidl in particular will often have things like half-kilo jars of jam, huge packs of loo roll, etc.
We usually buy rice from the Asia shop, a bag of 10kg for around €10 will lat a while.

tayto lover · 20-10-2012 09:13PM

Japer wrote: »

well said. And you know what? That same Garda can retire after only 30 years service with a pension pot worth 1.1 million. The figures were produced earlier this thread. The country is truly F****d when people do not point out the Garda is overpaid. Do you know the average public sector wage in the UK? its 21.5k a year sterling. Out of that they pay property tax, higher fuel costs etc.

You should really move over there. You'd love it.

Japer · 20-10-2012 09:19PM

tayto lover wrote: »

You should really move over there. You'd love it.

public sector workers here have a far higher standard of living than over there, thanks to the very high public sector wages here.
live over there? no thanks. smaller,older houses etc etc

Darwin · 20-10-2012 09:23PM

Japer wrote: »

public sector workers here have a far higher standard of living than over there, thanks to the very high public sector wages here.
live over there? no thanks. smaller,older houses etc etc

You're not an Irish Independent journalist by any chance?

tayto lover · 20-10-2012 09:23PM

Japer wrote: »

public sector workers here have a far higher standard of living than over there, thanks to the very high public sector wages here.
live over there? no thanks. smaller,older houses etc etc

Fair play to them.

Japer · 20-10-2012 09:25PM

Darwin wrote: »

You're not an Irish Independent journalist by any chance?

no, I'm one of the 87% of people in thge country who realise our public service is overpaid / overpensioned. If I was a journalist I would be more eloquent with words, but thanks for the compliment anyway.

golden lane · 20-10-2012 09:25PM

Japer wrote: »

public sector workers here have a far higher standard of living than over there, thanks to the very high public sector wages here.
live over there? no thanks. smaller,older houses etc etc

do you think life depends on a larger house...????

the garda sargent has one......and he and his family are starving......

and....it's not even paid for.....

Japer · 20-10-2012 09:31PM

golden lane wrote: »

and he and his family are starving......

the seargant and his family are not starving. He is "earning" €65,000 a year. That same Garda can retire after only 30 years service with a pension pot worth 1.1 million.
The genuine starving in the wold - as well as most private sector workers in Ireland - envy this Guard. Not their fault he cannot manage money properly.
This thread is a joke / sounds like a troll by a public sector union employee in advance of the budget.

golden lane · 20-10-2012 09:36PM

Japer wrote: »

the seargant and his family are not starving. He is "earning" €65,000 a year. That same Garda can retire after only 30 years service with a pension pot worth 1.1 million.
The genuine starving in the wold - as well as most private sector workers in Ireland - envy this Guard. Not their fault he cannot manage money properly.
This thread is a joke / sounds like a troll by a public sector union employee in advance of the budget.

yes, maybe it is a joke......

a great big joke it is, to buy a house you cannot afford....

he is surrounded by great big jokers.........

still, it is somebody else's money.......maybe he will get his debt reduced.......if he moan's enough....

Garda Sergeant can't afford food

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