How do you do it?

maudgonner · 29-04-2016 10:39AM

poa wrote: »

Sorry to disappoint you, but I am not Mr Bismark.
Apparently he was a trader, but I have never been one.
I have worked around them though, so I am aware of their modus operandi.
Trading is not something I aspired to do, nor do I have the aptitude for it.
Generally speaking, the successful traders I have known keep that very quiet; and would never come on an internet forum and reveal it.
The ones that do, and speak openly about trading; are often Walter Mitty types that have watched Rogue Trader and Wolf Of Wall Street, and have a fantasy about being a trader.
I worked hard for 20 years in an unpopular profession. I did OK. I prefer to leave it at that. A gentleman never reveals his secrets.

AvB has a brother who has been mentioned in his posts. A weed-loving brother. That's who Ush was talking about.

poa · 29-04-2016 10:41AM

eviltwin wrote: »

It's not a dole bashing thread at all. There are plenty of people claiming welfare who would find your actions disgusting as well. People who are trying to find work or who are educating themselves, they are nothing like you so don't even try and lump yourself in with them. You are actively defrauding the state, I hope your local SW office starts putting pressure on you to find work since you are claiming a benefit designed for job seekers and cut you off.

Breaking news: libertines are disgusting.

Dughorm · 29-04-2016 10:43AM

poa wrote: »

I worked hard for 20 years in an unpopular profession. I did OK. I prefer to leave it at that. A gentleman never reveals his secrets.

Please do leave it at that!

Back on topic, how can you afford to go on holidays? A small amount of dole money invested in Prize Bonds can't cover it surely? Aren't you missing out?

granturismo · 29-04-2016 10:45AM

wally1990 wrote: »

.. I earn ... between €1,800- €1,900 a month depending .
...

So how do you do it? ...

Go ask Paul (Murphy).

poa · 29-04-2016 10:47AM

maudgonner wrote: »

AvB has a brother who has been mentioned in his posts. A weed-loving brother. That's who Ush was talking about.

I see, thanks for the enlightenment. Now I get the connection. Personally I abhor drug dealing, and paying for weed. I think it's bad for society.
A better way is for one to cultivate their own weed for personal use. I would never pay for weed and prefer to grow a plant and smoke a joint occasionally.
I don't think this harms society, as I am not funding criminal activity connected with the importation of drugs.
The other thing is growing a plant is a nice hobby for me and I quite enjoy reading up on it and tending to my plant.
Say one bought 25 Euro of weed per week, 52 weeks per year; that's 1300 per year. I think that is a waste of money.
But say one grows a plant once or twice a year; yes it's worth the electric cost, and seed cost. Money can be saved, pleasure can be had; with no damage to society.

Zillah · 29-04-2016 10:50AM

poa wrote: »

The system says I can, so I do.

The system says you have to be actively looking for full-time work; the system says you are breaking the law. There is a difference between what you are allowed to do and what you can get away with - it seems you have a chronic inability to tell the difference.

I get your position, though, I really do. The way some people think working 9-5 or worse - doing robotic nonsense all day - is not only a regrettable necessity but actually something to be lauded and cheered, is bizarre - it's madness. They sound like kidnap victims with Stockholm syndrome. We're on the same page there.

Anyone that wants out of the rat race has my utmost respect. Some people start a company, make it successful and sell it on, retiring on the proceeds. Some people write a book or five and support themselves that way. Some work themselves to death for decades and save enough to cover a genuine early retirement. Others have a partner that will keep working and allow them to look after the homelife.

All of these people are different to you in that they are not exploiting anyone. That's what you do, with your smug rationalisations and dismissive comments. You gave up on living like an adult, threw yourself at the feet of society like a child and said wah-wah-wah I don't want to have to work, and forced the rest of us to pay your share.

The people you so condescendingly deride for working a day job are the people keeping you alive - you would, apparently, be starving if it wasn't for your siphoning off a sliver of their hard work.

We can't stop you, the system accepts that for every 10 genuine recipients of social welfare - people who were unlucky enough to need a little help - there's probably one of you. We'd rather look after those 10 than punish them to spite you.

You got away with it, well done, but you could try dropping the smug attitude and maybe show the slightest humility in the face of the fact that you are incapable of looking after yourself and need us to do it for you.

eviltwin · 29-04-2016 10:52AM

poa wrote: »

Breaking news: libertines are disgusting.

Go get a job and stop sponging off the state. As much as you try and justify it there is no reason you can't work. Sooner or later you will have to answer to social welfare and don't be surprised if they cut you off. It does happen. Even if it doesn't its not good to be lazy, go contribute to society, do something useful.

poa · 29-04-2016 10:54AM

Dughorm wrote: »

Please do leave it at that!

Back on topic, how can you afford to go on holidays? A small amount of dole money invested in Prize Bonds can't cover it surely? Aren't you missing out?

Last year I camped on Achill Island for a week in a tent. I have been to over 30 countries around the world over the years; so now I am enjoying holidaying in Ireland. Seeing places like the Ring of Kerry and Donegal for the first time etc.
I will probably do the same this year (weather permitting); and take my kayak or bicycle with me this time. If one camps and shops in supermarkets for food rather than eating out; holidays here can be cheap.
I am thinking of selling my car though, so that would free up some funds; maybe a holiday from that abroad? Maybe I am missing out, I don't think about holidays much to be honest with you.

poa · 29-04-2016 10:58AM

eviltwin wrote: »

Go get a job and stop sponging off the state. As much as you try and justify it there is no reason you can't work. Sooner or later you will have to answer to social welfare and don't be surprised if they cut you off. It does happen. Even if it doesn't its not good to be lazy, go contribute to society, do something useful.

Please read my other posts. The one where I am asked how I fill my days in particular. You will see that I volunteer at my local hospice.
There are other ways for one to contribute to society, than working and paying tax.
As I have said before, I have no interest in derailing this thread off topic into another dole bashing thread. It bores the majority, like I said.
OK, you have an opinion; which has now been validated. I am not interested, nor are the majority of posters on this thread.

Dughorm · 29-04-2016 11:01AM

poa wrote: »

Last year I camped on Achill Island for a week in a tent. I have been to over 30 countries around the world over the years; so now I am enjoying holidaying in Ireland. Seeing places like the Ring of Kerry and Donegal for the first time etc.
I will probably do the same this year (weather permitting); and take my kayak or bicycle with me this time. If one camps and shops in supermarkets for food rather than eating out; holidays here can be cheap.
I am thinking of selling my car though, so that would free up some funds; maybe a holiday from that abroad? Maybe I am missing out, I don't think about holidays much to be honest with you.

Holidays are a must for so many people - especially people with young families and while you might manage in a tent, I don't think it would work for many a young family.

Just consider that in your (fully chosen) circumstances there's a good probability you will never experience real sunshine again.... I don't think selling your car to go on a holiday will sit well with your prudent mentality!

poa · 29-04-2016 11:08AM

Dughorm wrote: »

Holidays are a must for so many people - especially people with young families and while you might manage in a tent, I don't think it would work for many a young family.

Just consider that in your (fully chosen) circumstances there's a good probability you will never experience real sunshine again.... I don't think selling your car to go on a holiday with sit well with your prudent mentality!

As I have said before in this thread; I reckon my car currently costs me 2000 Euro per year to run. Tax, insurance, NCT, petrol, servicing.
So by not running it, I would have say 2K disposable income per year for holidays etc.
And that is without the added saving of liquidating it by selling it.
One can get a lot of Ryanair flights with 2K. Would I miss my car? Not really.
I use it once a week typically. I prefer to cycle or get the bus/train so I can drink or smoke a few joints and not have to worry about driving after. I never drink or smoke and drive.
My car insurance is 650 per year alone, and that would pay for a weeks holiday every year anyway.
I suppose I really need to weigh this up; car V holidays.
If I am honest about it, having a car is a waste of money; my biggest waste of all.
I think I will sell it and buy more Prize Bonds as I like saving that way.

Dughorm · 29-04-2016 11:14AM

poa wrote: »

As I have said before in this thread; I reckon my car currently costs me 2000 Euro per year to run. Tax, insurance, NCT, petrol, servicing.
So by not running it, I would have say 2K disposable income per year for holidays etc.
And that is without the added saving of liquidating it by selling it.
One can get a lot of Ryanair flights with 2K. Would I miss my car? Not really.
I use it once a week typically. I prefer to cycle or get the bus/train so I can drink or smoke a few joints and not have to worry about driving after. I never drink or smoke and drive.
My car insurance is 650 per year alone, and that would pay for a weeks holiday every year anyway.
I suppose I really need to weigh this up; car V holidays.
If I am honest about it, having a car is a waste of money; my biggest waste of all.
I think I will sell it and buy more Prize Bonds as I like saving that way.

Car v Holidays? Seriously, welcome to poverty and for the rest of your life? Not a great retirement package after your 20 years of work tbh.

P.s. 650 for car insurance? You are being ripped off!

eviltwin · 29-04-2016 11:21AM

poa wrote: »

Please read my other posts. The one where I am asked how I fill my days in particular. You will see that I volunteer at my local hospice.
There are other ways for one to contribute to society, than working and paying tax.
As I have said before, I have no interest in derailing this thread off topic into another dole bashing thread. It bores the majority, like I said.
OK, you have an opinion; which has now been validated. I am not interested, nor are the majority of posters on this thread.

Your volunteer work doesn't change anything. Plenty of people manage to volunteer without drawing social welfare they are not entitled too. You aren't as altruistic as you think you are. I'd also say the majority of people on this thread are working and have an issue with welfare going to lazy individuals who have no intentions of ever working.

Dughorm · 29-04-2016 11:26AM

eviltwin wrote: »

Your volunteer work doesn't change anything. Plenty of people manage to volunteer without drawing social welfare they are not entitled too. You aren't as altruistic as you think you are. I'd also say the majority of people on this thread are working and have an issue with welfare going to lazy individuals who have no intentions of ever working.

In fairness to the poster though, people can change their intentions at any time. What is becoming obvious here is that the poster is confining him/herself to a life of effective poverty (and dependent on our public health system :0 ) - the dole is no living wage!

I find it hard to be "envious" of the poster - they worked for 20 years, had ambitions, obviously something went wrong.

I don't think the poster has said whether they are in a relationship. Wait until they want to impress a potential suitor with only some prize bonds to show for it. That will bring the poster back to the marketplace!

Boom_Bap · 29-04-2016 11:36AM

MOD
This is not a thread on poa and how they earn their crust.

This thread was opened to look at how to live within certain parameters and not to target one user for how they go about it.

Can this brought back on topic please?

Wanderer78 · 29-04-2016 11:37AM

eviltwin wrote:

Your volunteer work doesn't change anything. Plenty of people manage to volunteer without drawing social welfare they are not entitled too. You aren't as altruistic as you think you are. I'd also say the majority of people on this thread are working and have an issue with welfare going to lazy individuals who have no intentions of ever working.

Long term unemployment is a lot more complicated than just 'laziness' I'm afraid

Dughorm · 29-04-2016 11:41AM

Posters on fairly high salaries were saying previously that they can only holiday in Wexford this year.

This is perfectly understandable - 80k between two people sounds loads on paper - but it's mortgaged - between accommodation, transport costs and childcare and any type of medical expenses, it might as well be the average wage of 36k, if not much less.

Ush1 · 29-04-2016 11:43AM

Dughorm wrote: »

Posters on fairly high salaries were saying previously that they can only holiday in Wexford this year.

This is perfectly understandable - 80k between two people sounds loads on paper - but it's mortgaged - between accommodation, transport costs and childcare and any type of medical expenses, it might as well be the average wage of 36k, if not much less.

80k is not a particularly high salary(depending on where you live) for one person let alone two.

Dughorm · 29-04-2016 11:49AM

Ush1 wrote: »

80k is not a particularly high salary(depending on where you live) for one person let alone two.

But it's 80k!!! The dole bashing previously on the thread is about 188 * 52 = 9776!!

This country is so expensive and you're right 80k isn't considered "particularly high"!!

Ashbx · 29-04-2016 11:54AM

Cathy.C wrote: »

I make crystal meth in the downstairs toilet.

The moment the thread is moved to after hours...you just cant get a serious response can ya!

Agent Smyth · 29-04-2016 12:00PM

Dughorm wrote: »

I find it hard to be "envious" of the poster - they worked for 20 years, had ambitions, obviously something went wrong.

Why does it obviously have to be "something that went wrong"
Like poa I did the same after 28 years of working I decided to pack it all in and haven't looked back. Signed on the dole for a couple of years and now work a few hours a week which gives me a liveable income, it doesn't mean something went wrong but rather I have changed my life to one that suits me better.
As for the OP all I can suggest is track where you are spending your income with a spreadsheet and after a couple of months you will be able to see where your spending can be adjusted or not. Myself and my wife both cover all living expenses on >20k pa and want for little or nothing.

tommyhayes1989 · 29-04-2016 12:01PM

I live with my partner, who has a child (6) and we are expecting in August. I earn a paltry 21k as a trainee accountant and she does not work. Rent is reasonable at €400 p/m. I have a loan paid off recently, which was €140 p/m and my insurance which is €60 p/m (sure to go up). We are usually struggling, without the help from both our parents we would be seriously in trouble. I have a masters degree and I'm sure it merits a higher salary than the one I'm getting but what can you do. Haven't had a holiday in 3 years. Not very happy but getting by, would not like it of this was the situation 3-5 years from now.

Dughorm · 29-04-2016 12:21PM

Agent Smyth wrote: »

Why does it obviously have to be "something that went wrong"
Like poa I did the same after 28 years of working I decided to pack it all in and haven't looked back. Signed on the dole for a couple of years and now work a few hours a week which gives me a liveable income, it doesn't mean something went wrong but rather I have changed my life to one that suits me better.
As for the OP all I can suggest is track where you are spending your income with a spreadsheet and after a couple of months you will be able to see where your spending can be adjusted or not. Myself and my wife both cover all living expenses on >20k pa and want for little or nothing.

I'm going to reopen that discussion but just to clarify - "something that went wrong" means (i) losing ones job e.g. redundancy, fired etc... or (ii) a negative attitude to the need to work which developed because of ones past experience.

KikiDee · 29-04-2016 12:34PM

I follow a budget. This includes putting money away for emergencies (such as car issues/doctors fees etc). It's tough and means impromptu nights out or trips aren't as feasible as they once were but it has to be done.

My general way of thinking is once my bills are paid (rent, car insurance, phone, utilities) and there's diesel in the car & food in the fridge, anything I spend after that is a bonus. I include my savings and emergency fund into bills so that when I'm looking at my wages, I don't consider them in what I have 'left over' if that makes sense?

CruelCoin · 29-04-2016 12:48PM

Dughorm wrote: »

This is perfectly understandable - 80k between two people sounds loads on paper - but it's mortgaged - between accommodation, transport costs and childcare and any type of medical expenses, it might as well be the average wage of 36k, if not much less.

Bollox.

I support 2 people On less than that and here is the list of where i've been the last 12 months:

2 weeks in The Phillipines (admittedly i did this one solo with my brother, herself didn't fancy the adventure holiday i wanted)
2 weeks in Spain (one week mainland, one week ibiza)
5 days germany
2 x 3 days holland.

A weekend in wexford for 80k me hole.

Budgeting, not smoking, not getting flutered in dublin every weekend, buying non-perishable goods in bulk, and generally not being a tit goes a long, long way.

You know when people do pasta (my favourite) and spend €2.50 on a jar of dolmio? Why not buy a 40 crate of the stuff for €12?
I mean really, it boggles the mind.

Another thing: Amazon and friends are your friend seriously. €80 headphones in retail ireland, €20 online from amaozon with free shipping. Likewise with clothes and pretty much everything else.

Wanderer78 · 29-04-2016 01:02PM

CruelCoin wrote: »

Bollox....

how much is your mortgage?

CruelCoin · 29-04-2016 01:18PM

Wanderer78 wrote: »

how much is your mortgage?

Currently €425 for a 4-bed, 45 mins drive from town.

I mean really, stop renting for a grand a month and move 45 mins down the road and own something much larger for half the price?
Why then is daft still full of unsold homes in the midlands?

Wanderer78 · 29-04-2016 01:21PM

CruelCoin wrote: »

Currently €425 for a 4-bed, 45 mins drive from town.

nice. you got lucky! many are paying more than that weekly. debt is killing them

CruelCoin · 29-04-2016 01:32PM

Wanderer78 wrote: »

nice. you got lucky! many are paying more than that weekly. debt is killing them

Luck is one part, again, not being a tit is another.

My brother and I were both looking to buy at the same time, he went ahead and i waited and rented my way through the bust.

I'm in a 105k 4-bed with massive garden, and he's in a 280k 3-bed with box garden.

Everyone and their dog was saying to buy but when house prices are rocketing up while house builds were outstripping population growth then it's pure speculation.

But i take your point on the debt. He's locked into that house, and likely will be for decades. I'm mobile with a house now worth 150k 18 months alter. So yeah, lucky to an extent, but meh, this is my reward for saying "whoa betsy" and waiting.

Wanderer78 · 29-04-2016 01:37PM

CruelCoin wrote: »

Luck is one part, again, not being a tit is another...

you used your head a bit but i would say largely luck. i feel very sorry for folks who are after getting caught out here with this. our financial and banking system is a scam. its suffocating families, and the banking system doesnt care as long as they maximise their profits. dreadful scam

How do you do it?

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