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Is it just me or is everyone broke!!

ClareP1983

Hi All,

I just needed to come on here and rant as I am feeling somewhat alone.

I got paid today and after paying all my bills I am now left with approx €200 for two weeks. This is to do me for food and petrol. I have a good job but every week I seem to be in the same position. I don't spend it foolishly, I go out about once every two months, I also buy on sale if at all.

I don't know what I am doing wrong, I have my car insurance and car bill of €400 coming in the door and I really don't know how I am going to pay for it.

The worrying thing is I have NO savings. It that normal or am I the only one out there!

:(:(:(:(:(:(

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_Brian

smash wrote: »

People keep saying the recession is over but I don't see wages rising... all I see is:

More stealth taxes
Rents going up
Property values going up
The cost of products going up
The cost of services going up

From what I can see living standards/disposable income is back to 70's or early 80's levels for most of us. Living week to week if your lucky, dreading bills coming in or the car breaking down.

When they come on the airwaves spouting about the recession being over what they mean is its a call for property developers to come out of hiding again and make a killing..

Talib Fiasco

http://reactiongifs.me/wp-content/uploads/2014/03/I-am-rich-floyd-mayweather-throwing-money.gif

Ahahahahahaha

Idbatterim

On 30k in the center of Dublin. Cant afford to rent my own place so I either drive 120km to and from work, sleep in car or get a hostel. Im not house sharing with randomers or renting a kip of a box room! Sickens me

This to me is madness, would you not get rid of the car and you could then afford you own place in Dublin (close enough to walk to work, thus no commute expenses)? a friend rented a nice one bed apartment in a period house in rathmines for E950 recently...

padma

Whats madness is paying some landlord 950 euro for a one bed apartment..crazy..

smash

padma wrote: »

Whats madness is paying some landlord 950 euro for a one bed apartment..crazy..

Supply and demand!

_Brian

padma wrote: »

Whats madness is paying some landlord 950 euro for a one bed apartment..crazy..

Sher' you'd be a fool not to just buy a house and get onto the property ladder so... :rolleyes:

holystungun9

Try selling something on adverts! No mate I won't swap my laptop for a broken iPhone charger, 3 alloy wheels and €40 cash.

seamus

padma wrote: »

Whats madness is paying some landlord 950 euro for a one bed apartment..crazy..

If it's in walking distance of Dublin city centre, you will likely save yourself hundreds of euro a month in travel costs.

We have such bizarre notions about property in Ireland; we'll pay €1500/month for 40 years to the bank, but paying €1,200/month for two years to a landlord for a same property is "crazy".

padma

smash wrote: »

Supply and demand!

Hence the chap is paying 200 or so rent sharing with two friends a bit away from dubhlinn.

padma

seamus wrote: »

If it's in walking distance of Dublin city centre, you will likely save yourself hundreds of euro a month in travel costs.

We have such bizarre notions about property in Ireland; we'll pay €1500/month for 40 years to the bank, but paying €1,200/month for two years to a landlord for a same property is "crazy".

The capital i suppose...overpriced...this is one reason why jobs need to be spread out around the country..how can people spend when half their rent is going on accomodation a quarter or more on bills and the rest on food and petrol etc..if jobs were spread out the need to live in dublin would drop hence the demand in dublin would drop..

iguana

OP. It might be an idea to do a money makeover thread. That's where you list out your net income and your weekly, monthly and annual outgoings on a thread and other posters can advise you on what you can cut back and how to save. I'm not sure if there is a relevant forum on boards, maybe in the Biz>Personal? But there is a dedicated forum for such threads on AAM; http://www.askaboutmoney.com/forumdisplay.php?f=62

desertcircus

padma wrote: »

Hence the chap is paying 200 or so rent sharing with two friends a bit away from dubhlinn.

Except in a choice between living in Dublin (zero car expenses) and living 120km from Dublin (400 in car expenses? 500?), he's really paying 200 rent and whatever the cost of the car is, versus what he'd pay in a house share in Dublin.

Idbatterim

also if you are living near town its not just the commute to work, if you go out say once a week, if you can walk to and from town on nights out, thats another good whack saved! To me the notion of commuting that distance on a daily basis is madness, what value do you put on your time?

Except in a choice between living in Dublin (zero car expenses) and living 120km from Dublin (400 in car expenses? 500?), he's really paying 200 rent and whatever the cost of the car is, versus what he'd pay in a house share in Dublin.

also the places isnt going to have anywhere near the same offering that Dublin has in any department, nightlife, comedy, theatre, cuisine etc..

I don't know what I am doing wrong, I have my car insurance and car bill of €400 coming in the door and I really don't know how I am going to pay for it.

The worrying thing is I have NO savings. It that normal or am I the only one out there!

would you not put the car insurance on DD, the interest in the scheme of things is relatively small and given your position, could relieve some of the pressure?

Idbatterim

People keep saying the recession is over but I don't see wages rising... all I see is:

More stealth taxes
Rents going up
Property values going up
The cost of products going up
The cost of services going up

I think it is simply now that people can see light at the end of the tunnel after 6 long years. Unemployment is dropping, we are as good as done with the austerity budgets and there is talk of PS pay cut reversals and income tax cuts... I am not better off now, but just knowing we are pretty much done with the last few years of hell, just lifts such a weight off your shoulders. (Even if you didnt experience any pay cuts, just the increased taxes. The endless pessimism and bad news was too much to take). We could have gotten to this point much sooner IMO), at least a year, possibly two, if the government didnt adopt their approach of draw it out as long as possible and cut as little as they could get away with each time...

seamus

padma wrote: »

The capital i suppose...overpriced...this is one reason why jobs need to be spread out around the country..how can people spend when half their rent is going on accomodation a quarter or more on bills and the rest on food and petrol etc..if jobs were spread out the need to live in dublin would drop hence the demand in dublin would drop..

These things are all a function of one another. Demand for homes in Dublin is high because that's where the jobs are. The jobs are all in Dublin because that's where the people are. Wages are higher in Dublin because rents are higher because there's more demand for homes.

You're right, that there should be an effort to incentivise job creation outside of the capital, but the same effect will continue to appear in smaller forms. Take Maynooth, for example. It's a small village but because of Intel and NUIM, demand for property is high and so rents are high. And accordingly, wages are slightly higher and the cost of living is slightly higher than Trim 40km away.

Ultimately these things stabilise themselves - if rents were lower across the country, wages would be too, and plenty of people would still have trouble meeting their financial commitments.

hatrickpatrick

What we have in Ireland is stagflation, and although I know I'll get attacked for saying this, it's primarily caused by the government being forced to take so much money out of the economy in order to bring down the deficit.

Now I know everyone is going to shout that we can't keep borrowing and I'm not disagreeing, but as with a lot of mathematical things, it's about order of operations. The EU/IMF should have let us use the bailout to stimulate growth which would have temporarily increased the deficit even more, but then put us in a position to be able to take money out of the economy to fix it later without causing stagflation. What we have instead is the cost of living going up and up and up as living and doing business in Ireland becomes more expensive due to taxes and cutbacks (the cost of commuting for instance because of cuts in subsidies) while people's wages etc cannot rise because of this increased cost of living. Result? Continued psychological recession as nobody has money to spend and the few that do are afraid to take the risk in case the cost of living rises even further.

Honestly, in my view the strategy that has been deployed defies all logic.

wandatowell

Started trying to be frugal but things just keep popping up. Got my holidays paid for 3 weeks ago then I had to start saving for spending money. Pain in the hole. House insurance, car insurance and car tax due in September, bones of 2 grand there.

rainbow kirby

padma wrote: »

Whats madness is paying some landlord 950 euro for a one bed apartment..crazy..

That's just the way it is. I'd rather live relatively centrally/close to good public transport and be home from work quickly than live way out and spend half my day commuting. Used to live just off Thomas St and work just on the other side of the city centre when I lived in Dublin and it was so convenient. 10 minutes on the bike and I'd be home. My free time is worth something too.

jester77

desertcircus wrote: »

Except in a choice between living in Dublin (zero car expenses) and living 120km from Dublin (400 in car expenses? 500?), he's really paying 200 rent and whatever the cost of the car is, versus what he'd pay in a house share in Dublin.

Meh, the cost and expense is very minor compared to all that time lost commuting. 240km a day must take at least 3 hours every day to commute. That's 60 hours a month sitting in a feckin car. That is just way beyond utter madness and there is no price one could put on that.

desertcircus

jester77 wrote: »

Meh, the cost and expense is very minor compared to all that time lost commuting. 240km a day must take at least 3 hours every day to commute. That's 60 hours a month sitting in a feckin car. That is just way beyond utter madness and there is no price one could put on that.

Very true. People don't seem to weigh the cost of long commutes in time and money. 120km each way means that not only are you working overtime (your working day starts at seven and finishes twelve hours later), you're paying for the privilege. 400 a month on petrol for someone on 30k means you're spending between a quarter and a fifth of your after-tax salary to work 50% longer hours than you would if you lived beside the office.

smash

jester77 wrote: »

240km a day must take at least 3 hours every day to commute.

without traffic...

wandatowell

rainbow kirby wrote: »

That's just the way it is. I'd rather live relatively centrally/close to good public transport and be home from work quickly than live way out and spend half my day commuting. Used to live just off Thomas St and work just on the other side of the city centre when I lived in Dublin and it was so convenient. 10 minutes on the bike and I'd be home. My free time is worth something too.

You living in London ya? A mate of mine there has a four hour commute everyday, 2 hours each way. Rent means he has no choice, IIRC it was the bones of £250-£300 extra a month for more ideally located digs but still with a lengthy commute every day.

rainbow kirby

Yup, I'm pretty much borderline zone 2/3 now. 20-25 minute commute to work. We were lucky, myself and my OH got our 2 bedroom apartment for about £300/month below the going rate for the area.

Egginacup

Dowl88 wrote: »

I am paying 550 for a nice three bedroom house but 120 km away from Dublin. Renting out two rooms for 185 each to friends

If you're driving 240 k everyday then how much money are you burning through on petrol?

sm171

Yeah I'm the same Clare. I recently moved to a new job with slightly higher pay but still just about cover my expenses every month, especially with rent car insurance everything rising. I'm nearly 30 with no savings and no prospect of having savings in the short term!

What can we do?!

acon2119

wandatowell wrote: »

Started trying to be frugal but things just keep popping up. Got my holidays paid for 3 weeks ago then I had to start saving for spending money. Pain in the hole. House insurance, car insurance and car tax due in September, bones of 2 grand there.

For me the only way to get a bit of money put aside for big annual bills and savings is to have a set amount taken out of your current account by standing order into a savings account every month, and then try to not touch this account unless you have ABSOLUTELY NO CHOICE

Some Kind of Wizard

smash wrote: »

People keep saying the recession is over but I don't see wages rising... all I see is:

More stealth taxes
Rents going up
Property values going up
The cost of products going up
The cost of services going up

Inflation at 0.2%.

smash

Some Kind of Wizard wrote: »

Inflation at 0.2%.

And what's that got to do with anything? That does not stop prices rising!

wandatowell

acon2119 wrote: »

For me the only way to get a bit of money put aside for big annual bills and savings is to have a set amount taken out of your current account by standing order into a savings account every month, and then try to not touch this account unless you have ABSOLUTELY NO CHOICE

Pretty good advice there, my current system of living off water and porridge for the tough months isn't working very well.

enda1

smash wrote: »

And what's that got to do with anything? That does not stop prices rising!

You what now?

Inflation is a measure of the rate of price increase for products and services.
Perhaps you were thinking of GDP?