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01-02-2019, 13:46   #31
irelandrover
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Quote:
Originally Posted by pwurple View Post
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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01-02-2019, 13:46   #32
facehugger99
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Originally Posted by Observatory View Post
Would yourself or your partner consider giving up work to mind the kids?
No, we'd be far worse off financially.
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01-02-2019, 13:48   #33
ELM327
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Quote:
Originally Posted by pwurple View Post
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)



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)

Tenner in a card? Do you hate the child or something? Jebus I'd be scarlet giving that. Anyway the question was about how much goes out on recurring payments **before you buy anything** not on budgeting your entire income.
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01-02-2019, 13:48   #34
TeaBagMania
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Originally Posted by ELM327 View Post
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
Damn, nice mortgage

as for the OP start paying off your debt, when finished put a few extra euro towards the principal of your mortgage
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01-02-2019, 13:48   #35
theteal
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Quote:
Originally Posted by pwurple View Post
You guys have WAY too short a list if this is for budgeting.

Here's mine, without figures, cos none of your business.
Not a budget at all, just what comes out on the 1st of the Month, off the top of my head.
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01-02-2019, 13:48   #36
turdball
 
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Originally Posted by begbysback View Post
You could rent a room in Dublin for the same price
Yes but it’s not your own place dealing with housemates etc and do you want to be house sharing at a certain age. You wouldn’t even get a bed sit in Dublin for 500, I have a nice big one bed apartment for the 500

Also I can get a nice house for 150K.
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01-02-2019, 13:50   #37
nox001
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Originally Posted by McGaggs View Post
. Why have a car loan?
Not everyone is happy to drive around in a cheap cars that they can buy for a few thousand for many many reason.. Some like to spend money to buy new, others spend a lot on a nice car even if it’s not new, other spend a large amount on both new and very nice.

I know of one or two people paying up on 1k a month in a car loan, now that is high but the cars are special.
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01-02-2019, 13:52   #38
ELM327
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Originally Posted by TeaBagMania View Post
Damn, nice mortgage

as for the OP start paying off your debt, when finished put a few extra euro towards the principal of your mortgage
Fixed term still 2+ years left so won't be paying extra down, and we plan to move after that.



I have no debt other than the car loan and as that's for an EV it's similar to my old fuel costs. (I do 60k km per year)
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01-02-2019, 13:53   #39
facehugger99
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Originally Posted by nox001 View Post

I know of one or two people paying up on 1k a month in a car loan,
A fool and their money are soon parted.
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01-02-2019, 13:54   #40
ELM327
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A fool and their money are soon parted.
They are probably driving a nice new car that is interesting and doesnt break down.


Who's the fool again?
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01-02-2019, 13:57   #41
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What I usually do is when my car goes down to 5k in value I sell it and get out another loan for 5k. Buy something then for around 10k.

Doesn’t cripple me whatsoever to be fair.
I don’t understand people buying brand new cars
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01-02-2019, 13:57   #42
facehugger99
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Originally Posted by ELM327 View Post


Who's the fool again?
The guy paying €1,000 a month.

Keep up.
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01-02-2019, 13:58   #43
theteal
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Originally Posted by turdball View Post
What I usually do is when my car goes down to 5k in value I sell it and get out another loan for 5k. Buy something then for around 10k.

Doesn’t cripple me whatsoever to be fair.
I don’t understand people buying brand new cars
Somebody has to. I'd have nothing to pick up chaep down the line otherwise.
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01-02-2019, 13:58   #44
turdball
 
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Originally Posted by ELM327 View Post
They are probably driving a nice new car that is interesting and doesnt break down.


Who's the fool again?
Break down? Have to laugh at this sorry.
If they can afford a brand new high spec car then fair play to them. People crippling themeselves with car payments is a another story
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01-02-2019, 13:58   #45
Dakotabigone
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The person paying the 1k car loan may be on 200k wages. It’s relative.
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