How much disposable income do you have after expenses?

Broads.ie

I'm "emigrating" to Cork City quite soon to seek work (I live in a village).

I've already forked out almost 400euro for the new flat, and I haven't even moved in yet.

It's going to be pretty fecking tight I tell ya. Now I'm living at home at the moment, and I can say it's quite comfy, enough money for a few tins of a weekend or maybe 2 or 3 pints, a packidge of fags.

But in the "big city" I think I'll literally be scraping the pennies.

So after all the rent, shopping, bills are done... what do you have leftover for "a few tins"? Working people may also reply.

BBDBB

surely one has servants who deal with this kind of minor detail?

Chuck Stone

https://www.youtube.com/watch?v=l91ISfcuzDw

Sindri

Broads.ie wrote: »

I'm "emigrating" to Cork City

Have you been inoculated?

Quare dangerous.......like.

dave3004

After expenses I am left with 3k a month on the button.

KungPao

I dispose of all my income.

starbelgrade

Used to be three fiddy, but after the recent budget, it's about two fiddy seven.

cloud493

Erm.... after paying rent, bills, and putting money aside for food/traveling expenses, I have say, 400 a month. Maybe less.

racso1975

Fluc all after driving to Dublin everyday and paying for creche etc. poxy couple of quid to treat the kids every so often

Celly Smunt

racso1975 wrote: »

Fluc all after driving to Dublin everyday and paying for creche etc. poxy couple of quid to treat the kids every so often

that'll teach you for having sprogs.

ronano

25-30 euro a week after all bills,food,rent is paid

Logical Fallacy

At the moment about -100 bucks a week.

Red21

Broads.ie wrote: »

So after all the rent, shopping, bills are done... what do you have leftover for "a few tins"? Working people may also reply.

I can never understand what all this recession sh*te people are bangin on about over the last few years is all about. I earn way less than the average wage yet i've everything I need, and still have lots of cash left over.
Of course some folks are in a different situation, they've no job or whatever but I can honestly say I don't know a single Irish person that I feel sorry for where money is concerned.
I reckon the amount of people that are really struggling is very very very small and blown way outta proportion by the media.
Night after night on t.v and the net people are banging on about this tax that charge and how much such and such a fella earns. I reckon i've less than most people I know, yet I live like a king and couldn't give a toss about all that recession sh!te.

Richard Hillman

€131 a week not including food, booze and smokes.

Celly Smunt

Red21 wrote: »

I can never understand what all this recession sh*te people are bangin on about over the last few years is all about. I earn way less than the average wage yet i've everything I need, and still have lots of cash left over.
Of course some folks are in a different situation, they've no job or whatever but I can honestly say I don't know a single Irish person that I feel sorry for where money is concerned.
I reckon the amount of people that are really struggling is very very very small and blown way outta proportion by the media.
Night after night on t.v and the net people are banging on about this tax that charge and how much such and such a fella earns. I reckon i've less than most people I know, yet I live like a king and couldn't give a toss about all that recession sh!te.

I have to agree,the amount of people i know complaining about tax this and recession that,how they can't afford to keep up with the bills yet they own a 2011 audi.

The people who really get to me though are those living in negative equity who never had any impulse of moving out of their houses since they bought pre 2008 yet still complain.

Ireland is just back to a normal state in terms of income.

later12

To misquote Charlie McCreevy "when I have it, I'll spend it".

I dislike the idea of living a life where I'm saving more than I can spend. The day I open my own savings' account, if ever, is going to be a sad day in my life.

Red21

Richard Hillman wrote: »

€131 a week not including food, booze and smokes.

Anybody can come out with a figure like that, I don't your situation do you live with your folks, do you work nixers etc. But I know plenty people who are outta work and money wise they seem to be getting on just fine. I'm sure they are people who are strapped but considering I haven't met a single person over the last few years I believe it's being blown outta proportion.

cruais

After mortgage is paid, car loan and other bills I'm left with €25 a week. I have to get petrol out of that too... It's tight, I never have money but as long as I have a roof and food on the table, Ill get over it!

Where To

€25 a week, the joys of being self employed :rolleyes:

RickRoll

A neighbor of mine was in earlier talking to my Ma and she was bangin' on about this new broadcasting tax and how she is on the breadline as it is (she's a school teacher and husband a postman) all the while she's driving around in a 10' Audi A6. :rolleyes:

cruais

RickRoll wrote: »

A neighbor of mine was in earlier talking to my Ma and she was bangin' on about this new broadcasting tax and how she is on the breadline as it is (she's a school teacher and husband a postman) all the while she's driving around in a 10' Audi A6. :rolleyes:

She could be paying a whopper loan on that car and can't sell it now because she would get feck all on it.

Red21

where do i go from here wrote: »

€25 a week, the joys of being self employed :rolleyes:

Everyone I know who are self employed are living like kings.

Richard Hillman

Red21 wrote: »

Anybody can come out with a figure like that, I don't your situation do you live with your folks, do you work nixers etc. But I know plenty people who are outta work and money wise they seem to be getting on just fine. I'm sure they are people who are strapped but considering I haven't met a single person over the last few years I believe it's being blown outta proportion.

I live at home with my parents and pay rent. I buy my own food for breakfast, lunch and dinner but not butter, milk, cheese and crisps.

eaglej13

very easy answer, in the minus

KKkitty

There's too much week at the end of my money

Where To

Red21 wrote: »

Everyone I know who are self employed are living like kings.

How many kings' personal finances do you know intimately?;)

simit

Not enough, not nearly enough.

Red21

where do i go from here wrote: »

How many kings' personal finances do you know intimately?;)

None, I don't have to know their finances they all have nice houses, nice cars, flat screen tv, shy, internet connection, mobile phones, gym membership and a load of other sh!te. When I see people with this stuff I consider them to be living like kings.

dave3004

When you attempt to live within your income, the outcome is usually a comedown !


OR



It is better to live rich than to die rich

IrishEyes19

Red21 wrote: »

I can never understand what all this recession sh*te people are bangin on about over the last few years is all about. I earn way less than the average wage yet i've everything I need, and still have lots of cash left over.
Of course some folks are in a different situation, they've no job or whatever but I can honestly say I don't know a single Irish person that I feel sorry for where money is concerned.
I reckon the amount of people that are really struggling is very very very small and blown way outta proportion by the media.
Night after night on t.v and the net people are banging on about this tax that charge and how much such and such a fella earns. I reckon i've less than most people I know, yet I live like a king and couldn't give a toss about all that recession sh!te.

Sorry but that's bulls**t......you only have to look around at the ghost towns, emmigration figures and business closures to really understand the situation. Its not enough to say the people you know deserve no sympathy. that's your social circle. It doesnt speak for the rest of the country.

Posts like this actually infuriate me because there really are a serious amount of people out there struggling with families, no jobs, and serious bills to pay and most people dont drive around in new cars, and f**k it if they do, maybe it was one bloody treat they've got in a long time. I would never begrudge anyone that as long as priorities are in check. Its really tough being a young person these days, so many companies asking them to work for free, no jobs out there and emmigration rising.

Ive seen work colleagues let go, and their words being "Ive lost everything, everything is gone. Pensions destroyed. Families with no way to help their kids go to college or even secure a job so that kid might have a chance. And then you have the middle class families who many arent entitled to any form of a grant and they cant afford to go to college or a postgrad ect. And there are many people, not just a few who have no jobs, and I honestly think its one of the most frightening things to lose your job, unless you have a good support network of family and friends and a get and up and go attitude, its really soul destroying.

Congratulations if you live like a king on very little as you claim. Thats certainly a great thing you have going. But speak for yourself.

TanG411

You're moving to Cork boi? Lethal, we go gattin' that night. Giz a text when you're down.

Red21

IrishEyes19 wrote: »

Ive seen work colleagues let go, and their words being "Ive lost everything, everything is gone. .

I know a broad range of people from all differant backgrounds and have never seen anyone go hungry or even close to it. The overwhelming majority of irish people live in a lovely house, have transport, access to internet, phones iponds gym membership etc. I'll guess that you have all this stuff and therefore you live like a king. But somebody told you we're in a recession and times are hard and you believed them.
When irish people say "I lost everything, everything is gone" after being left go, what they mean is they have lost their status, their sense of self, they won't be able to keep up with the Jones's anymore, this is more a psychological problem than a money problem.
Of the people I know around my own age who are unemployed, I know that they could have easily got work in a number of fast food resturants, but didn't want the work as they tought the job wasn't good enough. This again isin't a jobs problem it's more a psychological one.

phurryphace

Zero in my case

dunnaman93

Let me see, oh yes about minus 100 feckin' euro!

watna

Red21 wrote: »

I can never understand what all this recession sh*te people are bangin on about over the last few years is all about. I earn way less than the average wage yet i've everything I need, and still have lots of cash left over.
Of course some folks are in a different situation, they've no job or whatever but I can honestly say I don't know a single Irish person that I feel sorry for where money is concerned.
I reckon the amount of people that are really struggling is very very very small and blown way outta proportion by the media.
Night after night on t.v and the net people are banging on about this tax that charge and how much such and such a fella earns. I reckon i've less than most people I know, yet I live like a king and couldn't give a toss about all that recession sh!te.

From my last two trips home I can safely say that people in Ireland have a lot more disposalbe income then you would have in New Zealand, and I earn a decent enough wedge. It's very noticeable, (amongst my friends and family anyway). We pay a lot for food and rent here. I try and remember this when I hear the non-stop recession talk and get "The Fear" about moving home to Dublin. I'm sure a lot of people are struggling but I can tell you I got a shock when I moved to NZ and was asked to donate to charities to buy coats and shoes for children because they were being sent to school without them in winter. I'd never come across that before and it's widespread here.

It all depends what you define being on the breadline as, I guess. I'm sure a number of people at home are but it gets watered down in all the recession talk sometimes. I think people have different priorities and ideas of what having no disposable income/no money means.

amacachi

watna wrote: »

From my last two trips home I can safely say that people in Ireland have a lot more disposalbe income then you would have in New Zealand, and I earn a decent enough wedge. It's very noticeable, (amongst my friends and family anyway). We pay a lot for food and rent here. I try and remember this when I hear the non-stop recession talk and get "The Fear" about moving home to Dublin. I'm sure a lot of people are struggling but I can tell you I got a shock when I moved to NZ and was asked to donate to charities to buy coats and shoes for children because they were being sent to school without them in winter. I'd never come across that before and it's widespread.

If you're working (for the same money) and renting when moving back then things are as good if not better financially than 4/5 years ago. Rents have gone down a little, there's been pretty much no net inflation, income tax hasn't gone up, Vat is up 2%. Very little has actually changed so far for the majority of people.

watna

amacachi wrote: »

If you're working (for the same money) and renting when moving back then things are as good if not better financially than 4/5 years ago. Rents have gone down a little, there's been pretty much no net inflation, income tax hasn't gone up, Vat is up 2%. Very little has actually changed so far for the majority of people.

Thanks - Fingers crossed it will all work out You should have seen me when I was home last a few months ago and went to Tesco - I kept walking around saying "look how cheap x is". I had to be dragged away from the cheese counter. You'd swear it was made of gold sometimes here.The only thing that was more expensive was beer and wine and that was significantly dearer (even for European beer and wine). I'm presuming due to taxes.

phill106

Sweet feck all. Hopefully new job changes that!

DazMarz

None, really... though I do count cocaine and hookers as expenses, so I dunno...

30Min

I can only afford to pay for the roof over my head, food, clothes, transport, booze and fags.........I've lost everything :mad:

TerrorFirmer

Wow, 25 a week? That's pretty hairy. Usually I'd have about 300-ish left over each week, but realistically I usually manage to find ways to spend it without realizing most of the time. To the guy who said he lives like a king on below average wage, that's fine and all, but the people in trouble are for the most part those with commitments in the line of mortgages/kids/etc.

barbiegirl

After big bills, about €1750 so from that food, petrol and household bills would be about €660 so that leaves me with €1090 per month. However there is always something large to come out of that, whether car tax, insurance, oil whatever. so I tend to keep it to about €100 a week disposable so things don't get too bad, and I can save a little.
Hubbie and I are very, very lucky. I might hate my current job but I can move on in the industry I'm in, and my hubbie despite the occasional grumble loves his.
But remember everyone has their own problems. For us money is fine, but we have fertility issues. Our best mates have no problems having babies, but have been on the dole for 3 years, can't sell the house because it's in too much negative equity and the banks won't let them. However they don't starve, they get out occassionally and all their mates pull together for certain things for them.
Never look at someone with money and think their life must be great cause you don't have a clue what else is going on in their lives.

seanmc1980

it varies from month to month depending but i'd say i average out about 1,200 a month.

Andy-Pandy

Im a full time student. I have 250 a month that has to pay for anything.

force eleven

Do not respond to OP. He/She/It is a governement plant to see how many more taxes can be imposed on you, without causing anarchic revolution in the streets.

sbsquarepants

Red21 wrote: »

. I reckon i've less than most people I know, yet I live like a king and couldn't give a toss about all that recession sh!te.

2 thoughts spring to mind.

A: You just know a lot of very wealthy people. Think of bill cullen hanging out with dermot desmond and bill gates. Yea, he's the poor one, but he wont starve!

B: You haven't a fúcking clue what living like a king means.

superman123

Not enough to live properly.

kylith

About €100-€150, if I'm lucky.

pickarooney

After food, rent, clothes and bills about minus 50 quid a week.

Temptamperu

€110 left, minus fags which leaves me with about three fiddy.

irelandspurs

49 euro