ways to save money or earn more?

KateMonster

I am a teacher, my wages just seem to dissolve away. Any suggestions on how to not spend money without just hiding inIhouse all weekend?

ted1

KateMonster wrote: »

I am a teacher, my wages just seem to dissolve away. Any suggestions on how to not spend money without just hiding inIhouse all weekend?

Get a hobby, lots of hobbies are free once you get the equipment.

Take the park run its on Saturdays at 9:30. You'll spend less on a Friday night if you are getting up for this.

Boombastic

KateMonster wrote: »

I am a teacher, my wages just seem to dissolve away. Any suggestions on how to not spend money without just hiding inIhouse all weekend?

stop storing your cash in acid?

Femme_Fatale

KateMonster wrote: »

I am a teacher, my wages just seem to dissolve away.

http://i.imgur.com/Zc0bMCf.gif

Penny Tration

Stop eating. Stop using electricity. Stop paying for Internet. Steal the schoolkid's lunches.

kneemos

Go on strike for more pay.

dxhound2005

KateMonster wrote: »

I am a teacher, my wages just seem to dissolve away. Any suggestions on how to not spend money without just hiding inIhouse all weekend?

Only buy food which you intend to eat. Do not buy food and then throw it away. If you are a typical household in this country that will save you about €1000 every year.

Sir Osis of Liver.

When the pupils are on their break,rifle through their jackets and schoolbags for money and fags.

Menas

Set yourself up as telephone sex chat girl..
Make money, flexible hours and dont have to leave the house.

Stavros Murphy

Trigger Happy wrote: »

Set yourself up as telephone sex chat girl..
Make money, flexible hours and dont have to leave the house.

You could chuck in the odd informative bit of chat and it would kinda still be "teaching". Sort of.

Menas

Stavros Murphy wrote: »

You could chuck in the odd informative bit of chat and it would kinda still be "teaching". Sort of.

Or just go overboard with the Mistress angle. Dominatrix is a good niche market in the sex chat industry.

Harold Weiss

KateMonster wrote: »

I am a teacher, my wages just seem to dissolve away. Any suggestions on how to not spend money without just hiding inIhouse all weekend?

Start a grow operation and get your students to sell ounces.

Stavros Murphy

Harold Weiss wrote: »

Start a grow operation and get your students to sell ounces.

Sounds like a lot more effort than chatting. Never really got the chat-line thing though -"Hi" ..."Hi"....."What you wearing?"...."Dirty jeans and a hoodie"..."Ohhhh"..."Yeah..so, the weather, crap, innit.."

G_R

Put the children to work in the guise of a "project" then sell what they make.

mickydoomsux

KateMonster wrote: »

I am a teacher, my wages just seem to dissolve away. Any suggestions on how to not spend money without just hiding inIhouse all weekend?

Seriously.

Take a look at your expenditure and eliminate anything that you don't absolutely need. Realistically, you should only be paying for food, housing, heating, electricity, transport and perhaps communications (mobile and/or broadband) on a regular basis.

Everything else should be a discretionary expense and should be bought to get the most amount of value possible. Shop for clothes in Dunnes, Penneys or really push the boat out and go to TK Maxx. Realise that a night out is €100-200 flushed down the toilet.

The average wage in this country is ~36k a year. Even after tax you should be well able to save a good few grand per year if you just keep an eye on your cash.

If you have kids or live in Dublin then you are ****ed though.

maxfresh

cook dinners in bulk ie. spaghetti bolognase does for a few days or freeze ,make your own lunches, stop drinkin for a while alcohol is dear, maybe if your a teacher you could do grinds for a few quid on the side;)

Tar.Aldarion

Do free things or cheap things at least , theres loads of meetups, I'm off to play boardgames now, but there is indoor volley ball on today, loads of things really

desertcircus

If you live within ten kilometres of work: get a bike on the Cycle To Work scheme. Savings vary, but the maximum monthly cost over a year is about 60 quid - minus whatever you save on bus fare or petrol. Not to mention the effectively free exercise you get out of it.

Stavros Murphy

Becoming a cat-burglar is a good way of supplementing your income and keeping fit combined. If you only target celebrities you might become famous and get to write a book/sell the film rights - which dovetails nicely with your teaching career. I believe this works better in Monaco though.

mickydoomsux

Also, loans/finance are utterly evil. If you need them to buy something then you can't actually afford whatever it is.

They should be an absolute last resort and should be seen as a huge negative.

The Backwards Man

Stavros Murphy wrote: »

Becoming a cat-burglar is a good way of supplementing your income and keeping fit combined. If you only target celebrities you might become famous and get to write a book/sell the film rights - which dovetails nicely with your teaching career. I believe this works better in Monaco though.

Looking like David Niven would help though.

Whosthis

mickydoomsux wrote: »

Everything else should be a discretionary expense

A coke habit is not discretionary.

Fr_Dougal

Stavros Murphy wrote: »

Becoming a cat-burglar is a good way of supplementing your income and keeping fit combined. If you only target celebrities you might become famous and get to write a book/sell the film rights - which dovetails nicely with your teaching career. I believe this works better in Monaco though.

What would she do will all the cats though?

Stavros Murphy

The Backwards Man wrote: »

Looking like David Niven would help though.

She could grow a dapper tache. Would also save money on shaving equipment/toiletries.

Sealow

The bookies are giving away free money at the moment, just bet against man u on tuesday.

Stavros Murphy

TheZohan wrote: »

What would she do will all the cats though?

Milk them? I saw whiskas cats milk for sale there yesterday and it was very expensive. Could be a nice little earner.

KrustyBurger

Saving money is a habit. It takes effort but if you stick with it it becomes second nature.

e.g lunch. If you buy a sandwich each day that €3-€5 per day. Up to €25/week. It all adds up. You can make your own for a fraction of that cost. If you like a takeaway pizza each week again that's €15 or so. You can make your own from scratch for about €1.

You could also make a decision to have money deducted from your wages into a credit union and be determined to live off the remainder.

It's not easy op, especially these days, to save anything. And as another poster says if you've kids and live in Dublin it's pretty impossible.

bonzodog2

TheZohan wrote: »

What would she do will all the cats though?

Reminds me of a Whoopi Goldberg movie

Nino Brown

mickydoomsux wrote: »

Also, loans/finance are utterly evil. If you need them to buy something then you can't actually afford whatever it is.

They should be an absolute last resort and should be seen as a huge negative.

Sound advice here. Most people don't even know what apr they're paying on their loans or CC debt.

Stavros Murphy

Nino Brown wrote: »

Sound advice here. Most people don't even know what apr they're paying on their loans or CC debt.

I even heard one lad admit he didn't know what a tracker mortgage was.

Adamantium

Trade in any unwanted presents or games consoles and things of that sort at CEX.ie for cash, if you need a quick fix.



I'll be doing it doing this week with a WII U.

Daveysil15

Work as a part time call girl.

shopaholic01

Daveysil15 wrote: »

Work as a part time call girl.

She could pimp herself out to the students, get it all out of the way in the school car park and then her evenings are free.

newmug

KateMonster wrote: »

I am a teacher, my wages just seem to dissolve away. Any suggestions on how to not spend money without just hiding inIhouse all weekend?

Out of interest, why did you feel the need to put in the "I am a teacher" bit?


I'm an engineer. I'm on the dole. About 80% of my dole is gone within minutes of it entering my hand.


I get E188 on a Tuesday. My re-structured mortgage is deducted on a Tuesday, it is E150, so that leaves me with E38 to live on.

• Forget drink / fags / E2 cups of coffee / Sky. That life is over.
• Put aside at least E5 a week. That will be savings of E250 per year, handy for emergencies.
• Grow the beard. Limit yourself to 2 haircuts per year. Grooming is a lost art that you will find very useful.
• Cancel your phone plan, internet, club memberships, any subscriptions. Keep E5 in a PAYG phone, only turn it on once a day to see if anyone was looking for you, or when YOU want to make a call. Turn it off to save the battery.
• Stock up on porridge. There are some nice flavoured ones out there. A 1.5kg packet usually does me 2 days. I have it plain for breakfast, throw a handful of raisins or chop a banana into it for lunch, and sometimes a packet of crisps mixed in for dinner. Vary it up. Mix it with water instead of milk to save another few euro per week.
• If you are cold, wear more clothes. DO NOT use oil or gas, they are the biggest resource wastes in the universe. People think "Sure stick on the heating for a while", DONT! The last thing you need at a time like this is a bill you could have avoided.
• Electricity is a dodgy one. If you cancel, there's a re-connection fee, so depending on how long you think you'll be living like this, it might be worth your while keeping it. If you do, keep its use to a minimum, ie fridge and lights, NOT hairdryers. Its not that expensive, but again, this is not the time to be accruing bills.
• If you have a car, sell it. If you still need one, get a moped or a micra.
• Take help when its offered. It somebody says "Oh come over for dinner sometime", take up their offer! Eat at your parents place whenever you can. Take lifts when you need them, and don't be afraid to ask for something.
• This might seem like an obvious one, but its amazing how many people will try to cut corners when they are desperate - DONT BREAK THE LAW! Pay your TV license, if you have a car, keep it taxed and insured using your savings mentioned above, don't take drugs, don't get drunk on Dutch Gold, pay bills immediately, don't watch pirate DVD's or download music illegally, don't so much as fart out of place cos if you get into ANY sort of trouble, your situation will go from being poor to being in poverty, and that will have implications for the rest of your life, even when you get back on your feet.

All these things may seem obvious, but its funny how people forgot how to be thrifty during the boom years. Maybe its the age profile of users, but that's what life was like during the 80's, and it didn't seem stingy or hard at the time, it was just normal for most people. And this was at a time when people had big enough families compared to nowadays. OP, being a teacher is probably the best and safest job you could be in at the moment, so count your blessings, you have nothing to complain about!

People seem to have lost sight of what's important, that is loved ones, and security. Nobody is entitled to go out EVERY weekend, or to have a wedding with 100 people, or to go on a holiday every year. These things are luxuries, not givens.


And remember, things wont be like this forever. Enjoy the small things.

Boombastic

keep chickens, grow corn, eat eggs, eat chicken, use feathers for pillow and stalks off corn for bedding


or to cut down on the work eat roadkill

Nino Brown

newmug wrote: »

Turn it off to save the battery.

You know you can recharge those batteries right?

yawhat!

If you store your farts in a bottle you can use it as petrol, saves a few quid.

Daveysil15

• Forget drink / fags / E2 cups of coffee / Sky. That life is over.
• Put aside at least E5 a week. That will be savings of E250 per year, handy for emergencies.
• Grow the beard. Limit yourself to 2 haircuts per year. Grooming is a lost art that you will find very useful.
• Cancel your phone plan, internet, club memberships, any subscriptions. Keep E5 in a PAYG phone, only turn it on once a day to see if anyone was looking for you, or when YOU want to make a call. Turn it off to save the battery.
• Stock up on porridge. There are some nice flavoured ones out there. A 1.5kg packet usually does me 2 days. I have it plain for breakfast, throw a handful of raisins or chop a banana into it for lunch, and sometimes a packet of crisps mixed in for dinner. Vary it up. Mix it with water instead of milk to save another few euro per week.
• If you are cold, wear more clothes. DO NOT use oil or gas, they are the biggest resource wastes in the universe. People think "Sure stick on the heating for a while", DONT! The last thing you need at a time like this is a bill you could have avoided.
• Electricity is a dodgy one. If you cancel, there's a re-connection fee, so depending on how long you think you'll be living like this, it might be worth your while keeping it. If you do, keep its use to a minimum, ie fridge and lights, NOT hairdryers. Its not that expensive, but again, this is not the time to be accruing bills.
• If you have a car, sell it. If you still need one, get a moped or a micra.
• Take help when its offered. It somebody says "Oh come over for dinner sometime", take up their offer! Eat at your parents place whenever you can. Take lifts when you need them, and don't be afraid to ask for something.
• This might seem like an obvious one, but its amazing how many people will try to cut corners when they are desperate - DONT BREAK THE LAW! Pay your TV license, if you have a car, keep it taxed and insured using your savings mentioned above, don't take drugs, don't get drunk on Dutch Gold, pay bills immediately, don't watch pirate DVD's or download music illegally, don't so much as fart out of place cos if you get into ANY sort of trouble, your situation will go from being poor to being in poverty, and that will have implications for the rest of your life, even when you get back on your feet.

So bleak.

newmug

Nino Brown wrote: »

You know you can recharge those batteries right?

Yep, they do that here in Ireland too, not just in the USA. But do you know what else? Charging batteries uses electricity, believe it or not!

newmug

Daveysil15 wrote: »

[/LIST]
So bleak.

I know. But that's life. It could be worse, imagine living in Syria.

Nino Brown

newmug wrote: »

Yep, they do that here in Ireland too, not just in the USA. But do you know what else? Charging batteries uses electricity, believe it or not!

An iPhone battery holds a charge of 1,440 mAh, or about 5.45 watt hours. If you fully drain and recharge your phone everyday,then over a year you
would have to feed it about 2,000 watt hours, or 2 kWh. At 20 cents per KwH, thats 40cents a year, or less than 1 cent a week.

Daveysil15

newmug wrote: »

I know. But that's life. It could be worse, imagine living in Syria.

True. You've certainly put things into perspective though.

newmug

Nino Brown wrote: »

An iPhone battery holds a charge of 1,440 mAh, or about 5.45 watt hours. If you fully drain and recharge your phone everyday,then over a year you
would have to feed it about 2,000 watt hours, or 2 kWh. At 20 cents per KwH, thats 40cents a year, or less than 1 cent a week.

Get with it missus. There are no iPhones when you're on the dole.


I thought this wouldn't need to be explained, but if you have an iPhone, actually if you have anything valuable that is not a necessity, SELL IT. Buy a Nokia 3310 if you still need a phone.

yawhat!

newmug wrote: »

• Forget drink / fags / E2 cups of coffee / Sky. That life is over.
• Put aside at least E5 a week. That will be savings of E250 per year, handy for emergencies.
• Grow the beard. Limit yourself to 2 haircuts per year. Grooming is a lost art that you will find very useful.
• Cancel your phone plan, internet, club memberships, any subscriptions. Keep E5 in a PAYG phone, only turn it on once a day to see if anyone was looking for you, or when YOU want to make a call. Turn it off to save the battery.
• Stock up on porridge. There are some nice flavoured ones out there. A 1.5kg packet usually does me 2 days. I have it plain for breakfast, throw a handful of raisins or chop a banana into it for lunch, and sometimes a packet of crisps mixed in for dinner. Vary it up. Mix it with water instead of milk to save another few euro per week.
• If you are cold, wear more clothes. DO NOT use oil or gas, they are the biggest resource wastes in the universe. People think "Sure stick on the heating for a while", DONT! The last thing you need at a time like this is a bill you could have avoided.
• Electricity is a dodgy one. If you cancel, there's a re-connection fee, so depending on how long you think you'll be living like this, it might be worth your while keeping it. If you do, keep its use to a minimum, ie fridge and lights, NOT hairdryers. Its not that expensive, but again, this is not the time to be accruing bills.
• If you have a car, sell it. If you still need one, get a moped or a micra.
• Take help when its offered. It somebody says "Oh come over for dinner sometime", take up their offer! Eat at your parents place whenever you can. Take lifts when you need them, and don't be afraid to ask for something.
• This might seem like an obvious one, but its amazing how many people will try to cut corners when they are desperate - DONT BREAK THE LAW! Pay your TV license, if you have a car, keep it taxed and insured using your savings mentioned above, don't take drugs, don't get drunk on Dutch Gold, pay bills immediately, don't watch pirate DVD's or download music illegally, don't so much as fart out of place cos if you get into ANY sort of trouble, your situation will go from being poor to being in poverty, and that will have implications for the rest of your life, even when you get back on your feet.

Don't know what to say about that, especially the last part about downloads?. I'd be physically sick eating porridge for three days straight. Turn off your phone to save the battery! Dear God!

newmug

yawhat! wrote: »

Don't know what to say about that, especially the last part. I'd be physically sick eating porridge for three days straight. Turn off your phone to save the battery! Dear God!

Yea well, I know its tough, but that's what you have to do if you are trying to live on E38 per week. Every. Cent. Counts.

Nino Brown

newmug wrote: »

Get with it missus. There are no iPhones when you're on the dole.


I thought this wouldn't need to be explained, but if you have an iPhone, actually if you have anything valuable that is not a necessity, SELL IT. Buy a Nokia 3310 if you still need a phone.

I know, but I wasn't going to google the battery capacity of every phone on the market, just to make sure I hit the right one. iphones are harder on batteries than cheaper phones, so in reality with a non-smart phone, it's probably closer 1c a fortnight. I know ever little helps, but you have to draw the line somewhere.

yawhat!

newmug wrote: »

Yea well, I know its tough, but that's what you have to do if you are trying to live on E38 per week. Every. Cent. Counts.

Well you obviously need to get a job then in McDonalds, Deli, Supermacs, cleaner etc. There are jobs going!

I barely survive on 600 a week, never mind 40 a week.

newmug

newmug wrote: »

Yea well, I know its tough, but that's what you have to do if you are trying to live on E38 per week. Every. Cent. Counts.

Wow, thats tough, been there Curious though, how can you afford internet access?

newmug

yawhat! wrote: »

Well you obviously need to get a job then in McDonalds, Deli, Supermacs, cleaner etc. There are jobs going!

Believe me, I'm trying! But its not easy with 400,000 people competing for the same jobs! And do you know what reeeeeeeeeally pisses me off? When you get an interview for a deli and they say "But what are you applying to this job for, you're over-qualified!" >:(

newmug

Jake1 wrote: »

Wow, thats tough, been there Curious though, how can you afford internet access?

I'm in my mothers house at the moment, its her internet.

newmug

newmug wrote: »

I'm in my mothers house at the moment, its her internet.

ah thats good. You;ll get your dinner there too best of luck, hope things get better for you soon.