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Is everybody broke?

123457

Comments

  • Registered Users, Registered Users 2 Posts: 548 ✭✭✭Gary_dunne


    You say that but when people give you legitimate reasons why they need a car you come back and tell them why you think they're wrong despite not knowing or trying to understand their perspective.

    Would you be cycling with your kids 30km return to bring them to football training or a music lesson twice a week?

    I'd say it would be more unhealthy physically, mentally and socially to tell them they can't join the GAA/Football team because you don't want to drive them to it and it's an hour cycle each way.



  • Registered Users, Registered Users 2 Posts: 29,931 ✭✭✭✭Wanderer78


    …how do people return their bottles and hence get refunds? if they go to supermarkets for this, they might as well do their shopping, whereby the get to chose their own groceries…..

    e-scooters? are they really all that safe, would you feel safe moving yourself and your family towards this transport type?

    e-bikes? are they really all that cheap?



  • Registered Users, Registered Users 2 Posts: 691 ✭✭✭hurikane


    Completely effin broke. Earn good salary but only making ends meet.



  • Registered Users, Registered Users 2 Posts: 9,773 ✭✭✭cgcsb


    I don't agree that most households would come to a standstill. Lots of people are just brainwashed by the movies. A car is the second most expensive purchase of a lifetime, it should be carefully considered but it often is not.

    What are you talking about compassion for? You'd think I've kidnapped your firstborn.



  • Registered Users, Registered Users 2 Posts: 17,572 ✭✭✭✭Leg End Reject


    I can do a week's shopping in less than half an hour, physically going to the supermarket means I can pick things with a longer date and ensure it lasts the week.

    I've only used online shopping once when I had Covid and I wasn't impressed with the quality of some things or what they considered a suitable substitute. Online shopping is only an option with Dunnes and Tesco where I live (a large town in a commuter county) and would cost a lot more than a quick trip to Aldi or Lidl.

    You're making out that the weekly grocery shop is a mission, it's really not with a car.



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  • Registered Users, Registered Users 2 Posts: 9,773 ✭✭✭cgcsb


    The CSO also indicates that irish households are saving tonnes of cash a year. Most people will not tell you if they are doing OK, that's the issue.



  • Registered Users, Registered Users 2 Posts: 29,931 ✭✭✭✭Wanderer78


    …as others have rightly stated, you dont seem to be able to understand life from others perspective, which is actually a considerable problem for you, and i suspect is causing you issues in other aspects of your life, particularly offline!

    …again, many households would simply come to a standstill without the car, period, this is due to the fact modern life is completely depended and designed around the private car, this is not the ireland of the 70's and 80's, whereby there was far less cars in ownership, therefore our society was far different, and it was possible to be without a car, i.e. we lived in a country that was designed for far less cars…

    during this period, most households only needed a single income to function, this is not the case now, as many households now struggle on two incomes, this also means theres far less time available to parents to preform household needs, this is where the car is critical, i.e. moving to alternative modes of transport, if they even exist, simply isnt a reality, due to this time constraint…..



  • Registered Users, Registered Users 2 Posts: 9,773 ✭✭✭cgcsb


    You've misunderstood, I've only offered suggestions for lower cost alternatives to consider. All are free to live as they choose.

    To answer your question 'would I cycle 30kms etc.' TBH I wouldn't have arranged my life that way in the first instance, but that's just me personally. I get that people don't pre plan and then find themselves struggling after, I'm just suggesting alternatives that may be helpful.

    Some people take offense to that because of the psychology of habit forming and emotional connection to machines.



  • Registered Users, Registered Users 2 Posts: 29,931 ✭✭✭✭Wanderer78


    …yes ireland currently is experiencing record deposits, but again, devils in the detail, we re not privy to who exactly these people are, and dont forget, averages dont mean everybody is saving! as the saying goes, if bill gates walks into a bar, everyones a millionaire!

    …its also important to realise, a large proportion of those deposits are being saved in order to purchase property!

    …you re coming across as being condescending now, that your decisions are superior!



  • Registered Users, Registered Users 2 Posts: 17,572 ✭✭✭✭Leg End Reject


    Can you not accept that people may have preplanned to live in a rural area for their quality of life and are happy to drive when needed?

    Can you not accept that people preplan but are limited by their budget?

    Here's a 72m² house (from a thread in AH) in Cabra, you'd manage without a car but, and it's a big but, the bidding is now at €560k. Not everyone can plan to have a budget of over half a million.



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  • Registered Users, Registered Users 2 Posts: 26,100 ✭✭✭✭Mrs OBumble


    Most households?

    Some, for sure.

    But the majority don't live in rural areas or have children so young that they need to be taken everywhere.



  • Registered Users, Registered Users 2 Posts: 5,290 ✭✭✭Deeec


    I dont know your personal circumstances. I would imagine though that you dont have children or your children are grown up. You dont seem to realise the challenges facing families if they dont have a car if they live outside of Dublin where public transport is very poor. As I said earlier a car is a necessity for most people not a luxury!

    We're a family of 5. It is not possible to live near everything we need. There is not enough hours in the day to cycle everywhere we need to be - I would never be off me bike 🤣. For most people what you are suggesting is unworkable.



  • Registered Users, Registered Users 2 Posts: 3,159 ✭✭✭DellyBelly


    I think someone mentioned it to you already but the poster was talking about a politician who on the late late show mentioned how difficult it was to manage on a huge salary to run a few houses…beleive it was Padraig Flynn



  • Registered Users, Registered Users 2 Posts: 29,931 ✭✭✭✭Wanderer78


    apologies, i shouldnt have included that generality, but its probably many, particularly younger generations with or without young kids….



  • Registered Users, Registered Users 2 Posts: 548 ✭✭✭Gary_dunne


    Ye as stated above you clearly don't seem to be able to understand life from others perspective.

    TBH I wouldn't have arranged my life that way in the first instance

    This just stinks of entitlement. People now a days have to make sacrifices in where they live whether it be for financial (can't afford the urban/suburban town they want) or logistical reasons (they're job has moved to a different area of the country). What if the local GAA club has closed down as the demand isn't there and like a lot of others merge with another village 15km away (which is happening a lot in rural Ireland).

    It seems that you had an exact plan for your entire life and no circumstances could ever change that could potentially impact you because you "pre planned" whereas others are simply idiots for struggling in life due to reasons that could be no fault of their own.

    Anyway this has gone completely off topic and there's probably better threads to discuss this.

    To answer the OP, no most aren't broke, some are doing very well, some are struggling but go into Dublin any evening even midweek and most bars and restaurants are full, suburbs flooded with 241 jeeps, Dublin airport at full capacity and 2 bed houses in Cabra with an asking price of 420 has bids currently at 560k.

    The boom has well and truly been back for a number of years since COVID.



  • Registered Users, Registered Users 2 Posts: 543 ✭✭✭csirl


    Its very easy for someone who has an expensive Tesla company car given to them by their employer to advocate that peiple dont buy their own cars and to give out about those who cant afford to get rid of their "unfriendly to the environment" 10 year old hatchback.



  • Registered Users, Registered Users 2 Posts: 2,635 ✭✭✭tinytobe




  • Registered Users, Registered Users 2 Posts: 9,773 ✭✭✭cgcsb


    Are you asking how I do it personally or how people ought to do it? Personally I walk to the shop and give the cans back and buy something. As for people generally, I'm sure they can organise that themselves.

    Escooters are a great invention, I generally use it as an extension of public transport. And yes e bikes are very cheap, a fraction of the cost of a car and even cheaper on bike to work scheme. More people should think seriously about this type of mobility to save time and money.

    Regarding safety, yes, there is a risk posed by car drivers that should be factored in your decision and a key part of that is the type of road you'll be using with one. Most urban roads you're fine, but there's still car drivers going around using Instagram so have your wits about you.



  • Registered Users, Registered Users 2 Posts: 16,542 ✭✭✭✭whisky_galore


    Fierce bang of "I'm alright Jack" off these posts.



  • Registered Users, Registered Users 2 Posts: 9,773 ✭✭✭cgcsb


    Fairplay. I can't cope with them generally.

    The online shop is indeed a bit of a dark art in terms of what you get but once you get used to it you know instinctively how to work it.

    If you decide to give it another go i would recommend as a general rule to use it to stock up on frozen, canned, dry goods and cleaning products. And use the favourite list, saves so much time. Personally I use the online bulk shop once a month. Then for meats or fresh vegetables I pick them up in the greengrocer or butcher on the day or day before I intend to cook.



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  • Registered Users, Registered Users 2 Posts: 9,982 ✭✭✭billyhead


    In relation to the car debate, why do people need these huge SUV gas guzzlers taking up half the road? Unless you have 4-5 kids to transport around or you live in the country pulling trailers etc there's no need for them. Is it some kind of status symbol which to me is a lack of confidence or do people feel safer in them?



  • Registered Users, Registered Users 2 Posts: 2,824 ✭✭✭Hooked


    Been reading this topic for a few days now and this comment above really jarred with me… "Completely effin broke. Earn good salary but only making ends meet."

    I'm the polar opposite - earn a BANG average salary - always have. But, that's the career I chose (design & print). The wages just aren't great. However - before meeting my wife, I had my own gaff and no loans (other than mortgage). Always had plenty for myself. No new cars. No designer clothes. Do all my own DIY, etc. Bring a lunch to work. It all adds up.

    That gaff is now sold and we (married, I'm 45) now live in an obscenely big house in the country. I say that - because it's just us 2. She earns a very decent wage. And we live like millionaires. Well, maybe not millionaires. LOL

    WHY?

    Because we have (a) a very VERY manageable mortgage and (b) no kids. Reading back across this thread - it seems that kids (and ALL the associated costs that they bring) and pissing money away on rent are the 2 big big money-drains.

    And believe me… I'm VERY AWARE of how lucky I am to not have money worries.



  • Registered Users, Registered Users 2 Posts: 26,584 ✭✭✭✭Creamy Goodness


    are we still debating cars, been at least 4 pages of it now?

    Took the cargo bike to work today, hoping it's dry for kid pickup :pac:



  • Registered Users, Registered Users 2 Posts: 9,773 ✭✭✭cgcsb


    Again you seem to be picking up a few suggestions I've made and stabbed yourself in the heart with it.

    If people can't manage without their car fine i wish them well and hope they can afford it. I'm just saying that most can get a long without if they just put effort into planning things out.



  • Registered Users, Registered Users 2 Posts: 9,773 ✭✭✭cgcsb


    Decisions that are well planned are usually superior in outcome, yes. Do you find that statement controversial? It would be considered common sense to most in my opinion.



  • Registered Users, Registered Users 2 Posts: 29,931 ✭✭✭✭Wanderer78


    …and again, you simply dont seem to understand the needs of others!

    do you walk to the shops with your kids, in order to return your cans and to make your purchases, how do you do this, with also carrying your shopping?

    yes these e devices are great inventions, but again, where does a household, whos probably already paying extremely high mortgages payments or rent, find the money to supply the whole household with such devices, and are these devices truly safe on irish roads? yes these devices are indeed generally cheaper than a car, but is it truly possible to achieve all household transport needs via such, and in a timely manner, so that all household members have adequate rest?

    noting, some extremely serious, fatal accidents, have recently occurred on irish urban, well maintained roads on e devices!



  • Registered Users, Registered Users 2 Posts: 9,773 ✭✭✭cgcsb


    Yes I accept all of that and never stated otherwise.



  • Registered Users, Registered Users 2 Posts: 17,572 ✭✭✭✭Leg End Reject


    If you'd read my post you have noticed that only 2 shops have an online shopping option, they're shops I don't use.

    I bet I spend less time doing a weekly shop than you do doing your big monthly shop online and all your visits to the butcher and greengrocer. I bet I get home quicker too. 😁



  • Registered Users, Registered Users 2 Posts: 29,931 ✭✭✭✭Wanderer78


    …again, you re condescending and even narcissistic!



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  • Registered Users, Registered Users 2 Posts: 7,668 ✭✭✭maidhc


    you do realise Donegal doesn’t have a railway…



  • Registered Users, Registered Users 2 Posts: 9,773 ✭✭✭cgcsb


    And like I said, if it suits you then fine. I'm not saying I've an issue with it. I don't agree with your perception of 'most' from a purely statistical stand point. But I guess you base 'most' on the people you know only.

    I have thus far chosen to not have children as they don't align with my life goals and it would be completely unfair for me to have children while not being 110% dedicated to their best interests at all times.

    And that is a choice that may change later in my life but for now it's a decision that is well affirmed by my day to day experience.

    I see a lot of people who also don't want children but have had them anyway for lots of reasons, sleepwalking and brainwashing chief among them. I actually live near to a school and have been nearly killed by mothers mounting the footpath in military style vehicles and chucking the little ones off. The little ones are mostly as wide as they are tall and are usually ramming a jambon down their neck while waddling into the school gate.

    Those kids have learned that walking is bad, convenience is king and they've learned that when mummy is in a hurry all law and order and common civility is suspended while she takes chucks out of the pavement and u-turns on the main street. And thus entitlement culture is perpetuated. The same mummy is also likely to be bemoaning the cost of living.



  • Registered Users, Registered Users 2 Posts: 9,773 ✭✭✭cgcsb


    You can take personal offence if you wish but that is entirely your own choice.



  • Registered Users, Registered Users 2 Posts: 5,290 ✭✭✭Deeec


    Fair enough - Please do come back here in a few years when you have kids and let us know how you are getting on ferrying them all around on your bike or e-scooter



  • Registered Users, Registered Users 2 Posts: 9,773 ✭✭✭cgcsb


    I think the main reason is people feel safer in them and the reason they feel safer is because they know themselves that they cannot drive. The people who get these cars lack spatial awareness and could not parallel park a micra but they insist on getting the biggest car possible so that when, inevitably, they crash due to their error or lack of skill, the person in the other car will suffer more.



  • Registered Users, Registered Users 2 Posts: 9,773 ✭✭✭cgcsb


    I do understand the needs of others. If they feel that they need a car, fine, that's on them. As I've said many times that's their choice to make. I have only pointed out that for many it is false economy.

    Again you can literally do as you please with your cans, I'm sure you have the capacity to organise your day to day life without strangers on the Internet telling you how to.

    Regarding escooters, yes you have to factor in safety and the type of road you will normally use it on, the safety issue is largely down to errant drivers. If you're using it on a rural road I would advise a lot of caution.

    Can an escooter meet all household transport needs? In my experience no, but perhaps it can for someone else. I use a combination of pushbike, escooter, public transport, taxi, delivery services and renting go vans to meet all my transport needs. And it saves me hours and thousands of euros. Other people might have a different experience especially those who keep talking about minority rural commutes or minority long distance commutes. But there you go, few people want to look beyond the personal and few people want to examine their own habits and behaviours.



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  • Registered Users, Registered Users 2 Posts: 9,773 ✭✭✭cgcsb


    I spend about 20 seconds on the monthly shop and about 3 minutes per visit to butcher and greengrocer, so about 15 minutes a week all told.



  • Registered Users, Registered Users 2 Posts: 9,773 ✭✭✭cgcsb


    I'm sorry you feel that way, I suppose. Do you think that I should say thet not planning ahead is good?



  • Registered Users, Registered Users 2 Posts: 9,773 ✭✭✭cgcsb




  • Registered Users, Registered Users 2 Posts: 17,572 ✭✭✭✭Leg End Reject


    WTF? If they crash into someone else and damage their car/injure them they are liable to pay for it.

    Between this and fat shaming children you've really jumped the shark.



  • Registered Users Posts: 2,706 ✭✭✭Nermal


    cgcsb, I think you are greatly over-egging the cost of motoring, and ignoring the benefits of convenience. I've had a car that cost under €5K for something like seven years now, with no significant repair bills in the period. I live in the suburbs and probably could just about cope without one, but why on earth would I? I don't want to have to deal with cargo bikes or some sort of Go Car-like scheme - my time is too valuable. The running cost of a car is just not in any way significant relative to my income.



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  • Registered Users, Registered Users 2 Posts: 17,572 ✭✭✭✭Leg End Reject


    20 seconds for an online shop? 3 minutes in the butchers and greengrocer? Are they ninjas and you're the only one who shops there?

    🤣🤣🤣🤣🤣



  • Registered Users, Registered Users 2 Posts: 9,773 ✭✭✭cgcsb


    Most Likely I would walk with them to wherever they needed to be, or stick them in a trailer on the back of the bike until they're big enough to cycle. Or I would bring them on a bus. I don't think bringing kids on an escooter is all that practical tbh.

    I would then use the time I save to spend time with them and the money I'd save from not having a multi thousand euro depreciating asset that requires maitenance, fuel tax and insurance would go straight on them.



  • Registered Users, Registered Users 2 Posts: 9,773 ✭✭✭cgcsb


    That is preferable/less scary to them than the prospect of a life altering injury or death.

    'Fat-shaming' a new deflective buzzword, utterly meaningless. The only shame lies squarely with the parents of said children.



  • Registered Users, Registered Users 2 Posts: 9,773 ✭✭✭cgcsb


    I have a saved list of favourites on an app, I just click buy again and use my fingerprint to complete the purchase. 20 seconds there abouts. I know what I want to get in the butchers long before I arrive and there's never a queue so 3 minutes is a generous estimate.



  • Registered Users, Registered Users 2 Posts: 17,572 ✭✭✭✭Leg End Reject


    Have you conducted a poll of SUV drivers or just pulled this out of your backside?



  • Registered Users, Registered Users 2 Posts: 9,773 ✭✭✭cgcsb


    You're quite lucky with your car, congratulations. I used to have one like yours, 5k and mechanically reliable, unfortunately they always reach a limit. And you've now past the age when you need an annual nct. The fuel, tax and insurance seems to go up only and insuring an aging car can be difficult.

    It is convenient for some things. I've changed a lot of my trips since I lost the car and now don't miss it at all. If you ever do loose it for whatever reason I'd recommend trying some of those things I mentioned, the savings are something else. I'm also a lot healthier now without it.



  • Registered Users, Registered Users 2 Posts: 9,773 ✭✭✭cgcsb


    My Personal opinion based on my lived experience which is as legitimate as your own. You sound offended, do you need a kleenex or something?



  • Registered Users, Registered Users 2 Posts: 548 ✭✭✭Gary_dunne


    This has now turned into a thread of one poster can't understand why anyone needs a car being repeatedly given reasons why some people need them to be told that they can get by without them……..for 4 pages 🤦‍♂️



  • Registered Users, Registered Users 2 Posts: 20,373 ✭✭✭✭Donald Trump




  • Registered Users, Registered Users 2 Posts: 12,631 ✭✭✭✭mariaalice


    Pages of telling people they could manage without a car.

    It is mostly an age thing when you pay off the mortgage and the children grow up and look after themselves you have a load of money.

    Children are expensive.



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