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How much do you spend a month before you actually buy anything?

  • 01-02-2019 9:41am
    #1
    Registered Users Posts: 806 ✭✭✭Skyrimaddict


    Just a curious question looking at myself, thinking I am mad.

    Mortgage is around 900, plus 100 for the add ons.
    Car loan is another 400.
    Bills 250
    Phone and Tv (netflix etc) 120
    Savings 500
    other debits 100

    All before I actually buy a thing!!

    Is this Normal.


«13456

Comments

  • Registered Users Posts: 22,888 ✭✭✭✭zell12


    A penny


  • Closed Accounts Posts: 32,688 ✭✭✭✭ Henley Lazy Gourd


    I find that everything I spend is to buy something. Your mortgage is buying a house, a car loan is buying a car, bills for gas or electricity are buying gas and electricity, phone and TV bills are for buying those services. So I don't spend anything without buying something.


  • Site Banned Posts: 512 ✭✭✭Dakotabigone


    €120 on TV and phone is expensive, car loan is a lot you on pcp?


  • Posts: 26,052 ✭✭✭✭[Deleted User]


    You're buying shelter, transport, services and entertainment there.


  • Registered Users Posts: 7,158 ✭✭✭facehugger99


    Crazy amount to be spending on a car loan.

    I'm presuming your 'Bill's' include food?


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  • Closed Accounts Posts: 1,628 ✭✭✭orourkeda1977


    Food shelter and certain utilities are necessities.

    Everything else is something that you can survive without




  • Crazy amount to be spending on a car loan.

    I'm presuming your 'Bill's' include food?

    On what planet is 400 euro a crazy amount for a car repayment? It’s a very normal amount.


  • Registered Users Posts: 7,158 ✭✭✭facehugger99


    On what planet is 400 euro a crazy amount for a car repayment? It’s a very normal amount.

    Stupid amount to spend every month on a depreciating asset.


  • Registered Users Posts: 6,587 ✭✭✭Feisar


    Stupid amount to spend every month on a depreciating asset.

    That's a whole other question and deserving in its own thread.

    To develop wealth one should be spending money on things that earn for us not depreciate.

    First they came for the socialists...



  • Registered Users Posts: 559 ✭✭✭gibgodsman


    Rent - 550
    TV - 30
    Internet - 67
    ESB - 150

    So not much when compared to yourself but for me its quite a bit considering my pay is awful for someone with an Honors Degree....


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  • Registered Users Posts: 610 ✭✭✭JustMe,K


    €1400 a month on rent alone,
    €280 for electricity (thanks to storage heating), broadband, TV, Netflix

    It scares me to add the rest up, but there's not much leftover from my salary for fun stuff


  • Registered Users Posts: 5,631 ✭✭✭The J Stands for Jay


    Just a curious question looking at myself, thinking I am mad.

    Mortgage is around 900, plus 100 for the add ons.
    Car loan is another 400.
    Bills 250
    Phone and Tv (netflix etc) 120
    Savings 500
    other debits 100

    All before I actually buy a thing!!

    Is this Normal.

    Phone and TV are too high. Why have a car loan?


  • Registered Users Posts: 5,631 ✭✭✭The J Stands for Jay


    On what planet is 400 euro a crazy amount for a car repayment? It’s a very normal amount.

    This planet. I've never had a car loan.


  • Registered Users Posts: 7,815 ✭✭✭stimpson


    If you have spare funds invest in index tracking ETFs for the long term.

    Tax liabilities on non EU ETF's could be over 55%. Not exactly a great return.


  • Posts: 17,728 ✭✭✭✭[Deleted User]


    .................
    Bills 250...................
    Crazy amount to be spending on a car loan.

    I'm presuming your 'Bill's' include food?

    I'm presuming €250/month for bills doesn't include food.
    I'd spend €250+/month on food.


  • Registered Users Posts: 7,593 ✭✭✭theteal


    Mortgage (inc Life/CI Insurance) - £440
    Insurance (home, car, pets) - ~£80
    Motor Tax - £16
    Council Tax - £170
    Elec & Gas - £81
    Child Minder - £190 . . . . that'll go to £0 at the child's next birthday. . . until the next one comes along :eek:
    Virgin TV/Broadband - £33
    Netflix - ~£5

    I don't think that's too bad at all


  • Registered Users Posts: 3,666 ✭✭✭irelandrover


    Mortgage -1100
    insurances - 150
    gas & elec - 150
    TV/Internet - 50
    Childcare - 1090
    Car insurance/ tax - 90
    city tax - 90
    Health ins - 220

    Its a lot when written down like that


  • Registered Users Posts: 559 ✭✭✭gibgodsman


    Mortgage -1100
    insurances - 150
    gas & elec - 150
    TV/Internet - 50
    Childcare - 1090
    Car insurance/ tax - 90
    city tax - 90

    Its a lot when written down like that

    You know its bad when your childcare is as expensive as your mortgage....


  • Registered Users Posts: 2,413 ✭✭✭Stab*City


    Savings 500


    Is this Normal.


    Def not.


  • Registered Users Posts: 7,593 ✭✭✭theteal


    gibgodsman wrote: »
    You know its bad when your childcare is as expensive as your mortgage....

    Yeah, it is an eye opener alright. If we went F/T Childcare (thankfully it's only 2 days a week) it would be about the same figure in UK£, and that's just a child minder, a proper nursery is about £70 per day.


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  • Registered Users Posts: 3,666 ✭✭✭irelandrover


    gibgodsman wrote: »
    You know its bad when your childcare is as expensive as your mortgage....

    Thats only childcare for 3 days a week as well for one child.


  • Registered Users Posts: 208 ✭✭Dublin Mum


    Mortgage €1,300
    Life insurance €90
    House insurance €45
    Health insurance €200
    Broadband & landline €60
    Motor insurance €80
    Food (family of 5) €800+

    No childcare, no car loan and no tv subscription


  • Closed Accounts Posts: 111 ✭✭turdball


    500 - one bed apartmert
    120 - elec during Winter
    320- car loan
    20 top up for phone which also does internet
    Insurance - 65

    1015 yo-yos. Still have more than enough to save for mortgage and enjoy life. People paying those rents and house prices in Dublin are mad, Get out of their as soon as you can


  • Registered Users Posts: 559 ✭✭✭gibgodsman


    Thats only childcare for 3 days a week as well for one child.

    Is your child minded by some sort of celebrity or something? That is an insane amount for 3 days a week. You would not even earn that much if you worked 3 days a week for a full month


  • Registered Users Posts: 21,224 ✭✭✭✭ELM327


    Mortgage 390
    life ins/mortgage protection 15
    Car loan 525
    Bills contribution to joint account 600-800
    Nespresso subscription 40
    AA 15
    phone 50
    Savings 400
    Classic Car Storage 73


  • Closed Accounts Posts: 2,910 ✭✭✭begbysback


    turdball wrote: »
    500 - one bed apartmert
    120 - elec during Winter
    320- car loan
    20 top up for phone which also does internet
    Insurance - 65

    1015 yo-yos. Still have more than enough to save for mortgage and enjoy life. People paying those rents and house prices in Dublin are mad, Get out of their as soon as you can

    You could rent a room in Dublin for the same price


  • Site Banned Posts: 512 ✭✭✭Dakotabigone


    McGaggs wrote: »
    This planet. I've never had a car loan.

    It’s the price to pay to drive a new Dacia Duster paddy spec.


  • Registered Users Posts: 7,158 ✭✭✭facehugger99


    gibgodsman wrote: »
    You know its bad when your childcare is as expensive as your mortgage....

    Our childcare costs are double our mortgage and that's for 2 kids, 3 days a week.


  • Closed Accounts Posts: 12,449 ✭✭✭✭pwurple


    You guys have WAY too short a list if this is for budgeting.

    Here's mine, without figures, cos none of your business.

    Monthly
    Mortgage
    Internet
    Electricity
    Petrol (none)
    Water
    Mobile phone
    Groceries
    Gifts for parties (kids parties are a tenner in a card)
    Life policy
    Work expenses
    Childcare (none - Daddy Day Care)
    Pension contribution
    Loans



    Annual stuff, to be divided monthly for budget
    Car tax
    Car insurance
    Car servicing
    NCT
    house insurance
    Bins
    home heating fuel (coal, wood, oil)
    Childrens's shoes and clothes
    Boiler servicing
    Alarm servicing
    Garden maintenance
    School fees / expenses
    Building Maintenance (repairs, gutters etc)
    Health insurance
    Christmas Gifts
    Property Tax


    Extras:
    Sports / gym
    Grooming (haircuts etc)
    Entertainment / going out
    Holiday
    Craft supplies (kids paints and paper etc)


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  • Registered Users Posts: 3,666 ✭✭✭irelandrover


    pwurple wrote: »
    You guys have WAY too short a list if this is for budgeting.

    Here's mine, without figures, cos none of your business.

    Monthly
    Mortgage
    Internet
    Electricity
    Petrol (none)
    Water
    Mobile phone
    Groceries
    Gifts for parties (kids parties are a tenner in a card)
    Life policy
    Work expenses
    Childcare (none)



    Annual stuff, to be divided monthly for budget
    Car tax
    Car insurance
    Car servicing
    NCT
    house insurance
    Bins
    home heating fuel (coal, wood, oil)
    Childrens's shoes and clothes
    Boiler servicing
    Alarm servicing
    Garden maintenance
    School fees / expenses
    Building Maintenance (repairs, gutters etc)
    Health insurance
    Christmas Gifts
    Property Tax


    Extras:
    Sports / gym
    Grooming (haircuts etc)
    Entertainment / going out
    Holiday
    Craft supplies (kids paints and paper etc)

    Did you actually read the question?


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