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Quite a patronising post IMO. I have capacity to earn €60k+ in my trained profession, we have chosen for me to stay at home for a few years, this is a priority for us at the moment, we will struggle for a few years granted but our 'financial history' before our child came along was stress free...

Thanks for your feedback., makes sense. Yes need to look at car loan as suggested above.

Yes that's exactly how my husband feels about it and I don't blame him, he's on a great wage and works hard, he shouldn't have to penny pinch. Moving to a cheaper house has been brought up myself quite recently and went down like a lead balloon, I suppose it would feel like a bit of a fail on...

I'm not brave enough to quite go that far but I am determined to try not and use it this month. Have planned weekend ahead to make sure no takeaways or meals out. It is so easy to overspend as you say and effortless to hand a card over, you don't see the actual cash, very deceptive. Best of...

Hi, thanks for reply. You have hit the nail on the head, the cc usage has gotten way out of hand. We are starting the month paying it off and therefore have no cash to cover the supplementary expenditure that you refer to. If I can try and get this under control this pay month, then we can start...

Very true. We made some changes a good few months back and were doing much better for a few months but now it's gone pear shaped again. I am very determined again to try and improve things and be more conscious of spending money i.e. need v want. Thanks.

Thanks terrysgirl, nice to hear that. Yes when both working and in boom times, we got into luxurious habits. Things have definitely been cut back since then but need to try and do more now and live within our current means better. If we can get through ok to next september by making some...

We are goosed, in both our names!! But appreciate the suggestion. Just cancelled netflix...small steps but in the right direction.

Thanks again for replies. Responses:- 'As an alternative, how about getting your husband to cook one (or even two!) nights a week. Then you will not be getting take-aways and you will not be cooking. Also, you can get recipes online to replicate basically any takeaway dish you like, including...

Thanks username123 for your feedback, response as follows:- 'UPC and netflix are very high when combined. You should get rid of the UPC cable and go broadband only, its E20 per month for 6 months and 40 per month there after:' I definitely want to do this. Contract up in Jan 2016 so need to...

Thanks very much for the replies. Will respond to each separately as follows:- Eamo 15 ' Cut out the alcohol or half it and put into savings..plus you dont really need the cash in pocket.. make sandwiches, drink tap water bring in a flask of tea or coffee who cares what people say.. save as much...

Age: 32 Spouse’s/Partner's age: 35 Annual gross income from employment or profession: 0 (Home Maker) Annual gross income of spouse: 80,000 Monthly take-home pay: 4312 Type of employment: e.g. Employee PAYE In general are you: (a) spending more than you earn, or - THIS ONE (b) saving...

That hotel looks really nice Kimmagegirl. Definitely want self catering though with the kids. I have tried those websites allright, just was seeing if any personal recommendations out there on AAM. Thanks for your reply.

Hi, Has anyone been to Cala D'Or and stayed in a villa/house or large apartment with 3 bedrooms. Going with hubby, 3 year old and baby + grandparents. Would like enclosed garden away from pool if possible on a small complex or private villa if decent value. Want to be near marina. Any...

Hi, bumping this thread as looking to get a canvas done. There was alot of recommendations here for updone.com, an American company but I can't seem to find them online, are they gone? Any current recommendations? I want to create a collage on canvas of photos from a recent holiday. Thanks!

Hi, I was very happy with him Lisa. Our car passed the NCT no bother a few weeks later. He priced labour and materials separately and due to the amount of work needed it was about €300, think labour was about €120 of that. Our car has high mileage and was not surprised it needed a good few...

Picked up paint recently on ad below. Delighted as it was half price of easy care range in shops from what I had found so far. http://www.donedeal.ie/otherhome-for-sale/dulux-top-quality-paint-from-10-00/8727221?offset=1

trasneoir, yes they said I could use it if I keep my account open with them but my bins have been taken, I am now with new crowd. The minimum top up is €10. They say they do refund amounts over €20 but the fact that I contacted them, means they might see that I topped up by €10 and refuse to...

michaelm, thanks...I thought I wouldn't be able to log into the account anymore as we left over a month ago but I can. I suppose I could chance it, by their rules they'd have to refund it then surely...

Hi, I recently left Greenstar Bins as I got a better deal. I have asked them for a refund of the €14 credit on my pre-pay card. They say because it is below €20 I can't get it back. The only info I can find on their website about refunds is in connection with contract accounts which doesn't...