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living costs

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  • 24-05-2017 12:52pm
    #1
    TENHNY
    Registered Users Posts: 91 ✭✭


    What are you costs per month to run your house

    Rent/Mortgage

    Food(not including eating out)

    Health Insurance

    Fuel (Heating)

    Bins

    Tv

    Internet

    House Insurance

    Leaving out all car cost insurance, fuel , tax etc will run separate thread later.

    Also What percentage of your wages per month can you save if any?
    Tagged:


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    #2
    Moonbeam
    Moderators, Education Moderators, Society & Culture Moderators Posts: 18,953 Mod ✭✭✭✭Moonbeam


    it depends on where you live
    How big your family is
    Work have always paid mine
    Gas/solid fuel/old house/new house
    about 350 euro
    10 a month for Netflix + tv licence
    This again depends on area and house and if you are renting or own.
    ours is about €260 for house and contents

    Again there are so many factors involved here.


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    #3
    The_Conductor
    Moderators, Society & Culture Moderators Posts: 32,285 Mod ✭✭✭✭The_Conductor


    Utilities:

    Electricity
    Gas
    Broadband
    TV
    Mobile phone
    Gadget insurance

    Home Insurance
    Health Insurance
    Travel Insurance
    Gymn/Sports Club membership
    Management Charges

    If you have children- childcare, and school related costs

    Usual- food/clothing/presents etc etc

    If you own a house- you might manage to save a little- if you have children- good luck ever saving anything ever again.......


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    #4
    Masala
    Registered Users Posts: 3,492 ✭✭✭Masala


    TENHNY wrote: »
    What are you costs per month to run your house

    Rent/Mortgage

    Food(not including eating out)

    Health Insurance

    Fuel (Heating)

    Bins

    Tv

    Internet

    House Insurance

    Leaving out all car cost insurance, fuel , tax etc will run separate thread later.

    Also What percentage of your wages per month can you save if any?

    eh........why????


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    #5
    Outkast_IRE
    Registered Users Posts: 7,516 ✭✭✭Outkast_IRE


    2 Person Household

    Mortgage - €930

    Food(not including eating out) - €500

    Health Insurance - €100 (Subsidised From Work)

    Fuel (Heating) - €30 Summer - €100 Winter

    Bins - €24

    Tv -€11

    Internet €50

    House Insurance €35

    Savings % - 10-20% when required


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    #6
    fxotoole
    Registered Users Posts: 1,661 ✭✭✭fxotoole


    Don't forget, if you have a dog:

    Dog Licence
    Annual Vaccinations
    Microchipping (once off I suppose)
    Medical treatment costs if the dog needs surgery
    Kennelling for when you're on hols and can't bring the dog with you (or if you're going on work trips)

    If you commute to work by car

    Nct
    Tax
    Insurance
    Fuel
    Maintenance
    Annual parking costs

    If you commute by train/bus

    Annual tax saver ticket

    Also

    Ongoing medical expenses
    Prescriptions
    Doctors visits
    A&E visits if you suffer from ongoing medical issues
    Dentist visits


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    #7
    biko
    Registered Users Posts: 81,220 ✭✭✭✭biko


    What does it matter for you OP?
    What are your own costs?
    Location?


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    #8
    Samuel T. Cogley
    Registered Users Posts: 10,684 ✭✭✭✭Samuel T. Cogley


    Masala wrote: »
    eh........why????

    Because they asked. No one is forcing anyone to give the information but it's hardly the first time it's been asked and usually there are loads of people willing to give an idea. I try and calibrate my food shopping a bit on these threads.

    Granted some context and a location would be nice.


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    #9
    biko
    Registered Users Posts: 81,220 ✭✭✭✭biko


    This one is pretty good
    https://www.numbeo.com/cost-of-living/comparison.jsp


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    #10
    Samuel T. Cogley
    Registered Users Posts: 10,684 ✭✭✭✭Samuel T. Cogley


    Some suggestions - Health insurance, there are times to get this but if you're just starting out and in your early twenties, I wouldn't (and didn't) bother.

    TV and internet. DO NOT think of these as 'I'll just get something' spend a few minutes working out what you want TV wise. Don't lie to yourself about how much TV you watch. TV companies make their money on the ancillary stuff like renting movies etc. If you've kids that want to watch 2 or 3 movies at the weekend Sky Movies is well worth it if you can get a deal at the time, rather than keep buying box office. However if you just want very basic TV don't buy a package at all. With all the telcos make sure the deal is for the entire contract. Generally a bundle of basic TV and internet can be got for around €50 a month.

    Bins for me are about €20 a month

    There's a great article(s) floating about the massive cost of being poor, it's applies massively in Ireland not generally because people are poor but they hat contracts. Look very closely at pay-as-you-go deals and make sure you'd not be better off on a contract. Phones are an odd one as it is something you can let go off, but electricity - PAYG are usually a rip off. Similarly look at your bank changes, can you get a better deal there.

    The wife does the saving but I think we save around 50% of our income from jobs a bit more when you factor in our rental incomes.


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    #11
    pxdf9i5cmoavkz
    Closed Accounts Posts: 827 ✭✭✭pxdf9i5cmoavkz


    fxotoole wrote: »
    Don't forget, if you have a dog:

    Dog Licence

    Wait, What? There is a Dog License?!


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    #12
    TENHNY
    Registered Users Posts: 91 ✭✭TENHNY


    biko wrote: »
    What does it matter for you OP?
    What are your own costs?
    Location?


    To see how I Compare with the Jones of course

    Rent/Mortgage 550

    Food(not including eating out) 200

    Health Insurance 145

    Fuel (Heating) 80

    Bins 30

    Tv 60

    Internet 40

    House Insurance 35

    Savings currently 35 % Income- I feel this needs to be more incase of a raining day


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    #13
    Aye Bosun
    Registered Users Posts: 349 ✭✭Aye Bosun


    Mortgage €689

    Food €50

    Health Insurance €33

    Fuel (Heating) €100 Winter /€30 Summer

    Bins €5

    Tv €12

    Internet €39

    House Insurance €27



    Also What percentage of your wages per month can you save if any? Less than 50% of my salary, I am single with no dependents.


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    #14
    Skerries
    Registered Users Posts: 12,456 ✭✭✭✭Skerries


    Kenzie Quaint Latch wrote: »
    Wait, What? There is a Dog License?!

    is it dearer for a colour over a black and white one?
    Untitled Image




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    #15
    Victor
    Registered Users Posts: 78,421 ✭✭✭✭Victor


    Kenzie Quaint Latch wrote: »
    Wait, What? There is a Dog License?!

    http://www.citizensinformation.ie/en/environment/animal_welfare_and_control/control_of_dogs.html


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    #16
    pxdf9i5cmoavkz
    Closed Accounts Posts: 827 ✭✭✭pxdf9i5cmoavkz


    Victor wrote: »
    http://www.citizensinformation.ie/en/environment/animal_welfare_and_control/control_of_dogs.html

    Cheers for that. Curious how there are no license requirements for cats.

    I now wonder how many people have actually registered their doggo.


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    #17
    James Bond Junior
    Registered Users Posts: 5,137 ✭✭✭James Bond Junior


    Samuel T. Cogley wrote: »
    Some suggestions - Health insurance, there are times to get this but if you're just starting out and in your early twenties, I wouldn't (and didn't) bother.

    I wouldn't be inclined to agree there. I was hospitalised twice needing minor surgery twice in my early 20's. Both were unexpected surgeries, the second being rather expensive and more than likely needing surgery again in the medium term. Combined bill was €5000 meaning after 6 years my health insurance payments are only breaking even for the company. The fact I will need more work done means that I will be covered going forward and has I not been covered I wouldn't be covered if I was subsequently taking out a policy.


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    #18
    Samuel T. Cogley
    Registered Users Posts: 10,684 ✭✭✭✭Samuel T. Cogley


    Kenzie Quaint Latch wrote: »
    Cheers for that. Curious how there are no license requirements for cats.

    I now wonder how many people have actually registered their doggo.

    Cats are considered vermin IIRC. It's also unlikely you'd have to go to the District Court to get an order for some fecking eejit, and every housing estate has at least one, who leaves their dog barking all night vs a cat meowing.


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    #19
    Aye Bosun
    Registered Users Posts: 349 ✭✭Aye Bosun


    James Bond Junior wrote: »
    I wouldn't be inclined to agree there. I was hospitalised twice needing minor surgery twice in my early 20's. Both were unexpected surgeries, the second being rather expensive and more than likely needing surgery again in the medium term. Combined bill was €5000 meaning after 6 years my health insurance payments are only breaking even for the company. The fact I will need more work done means that I will be covered going forward and has I not been covered I wouldn't be covered if I was subsequently taking out a policy.

    I have to agree with James Bond Junior on this one, I was caught out with no health insurance and had serious health problems, cost me a small fortune.

    As the saying goes..better to be looking at it than looking for it!


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    #20
    LincolnHawk
    Registered Users Posts: 364 ✭✭LincolnHawk


    Mortgage 1450
    Childcare 1400
    Tv, internet, phone, Netflix, Spotify, vhi, home insurance 400
    Petrol, tolls, insurance 500
    Groceries 800


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    #21
    eeguy
    Closed Accounts Posts: 3,478 ✭✭✭eeguy


    Monthly mine is roughly:
    Rent 400
    Groceries 200
    Bills 150
    Car 200
    Savings 1500

    Entertainment 200

    I'm saving for a mortgage at the mo, otherwise I'd be splashing out.


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    #22
    fxotoole
    Registered Users Posts: 1,661 ✭✭✭fxotoole


    Samuel T. Cogley wrote: »
    Cats are considered vermin IIRC. It's also unlikely you'd have to go to the District Court to get an order for some fecking eejit, and every housing estate has at least one, who leaves their dog barking all night vs a cat meowing.

    Cats can be loud ****ers too when they really want something!!!!


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    #23
    lollpop
    Registered Users Posts: 159 ✭✭lollpop


    Mortgage protection insurance
    Mobile phone
    TV licence
    Property tax


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    #24
    The_Conductor
    Moderators, Society & Culture Moderators Posts: 32,285 Mod ✭✭✭✭The_Conductor


    Guys- as this thread is only tangentally related to the forum- I am closing it. There are far more appropriate forums for discussing personal finances than this forum.


This discussion has been closed.
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