Age:
26
Monthly Net income from employment or profession:
€1950
Monthly FIS Payment:
€160
Child Benefit:
€166
Total monthly income:
€2276
Monthly fixed outgoings:
ESB: €30
Phone: €50
Sky: €22
Insurance: €30
Creche: €325
Rent: €700
Loan Repayment (15k over 5 years taken out 3 months ago) €321
Credit card (balance is 300) €30
Total fixed outgoings : €1508
Balance left each month €770 for food, heating(oil), petrol, tax and clothes for myself and my daughter.
Type of employment:
private sector
Expenditure pattern:
just breaking even
Savings and investments:
none
Do you have a pension scheme?
no.
Do you own any investment or other property?
No.
Ages of children:
6
What specific question do you have or what issues are of concern to you?
It seems like almost €200 per week should be enough to live off but it doesn't appear to be. I am starting a spending diary but I don't really see where else I can cut back.
I shop in Aldi, buy as little as possible etc.
But it seems every month my wages are not going as far and I don't want to end up in the red every month which is the way things are going.
Any furthur areas i can cut back on? I need my phone (don't have a landline) and while Chorus is cheaper it is not available in my area so I have the minimum Sky package. I cannot apply for a council house as my ex and i are selling our current house (bought 2 years ago) and we will be fortunate to break even if it sells. he is currently living there and paying all associated costs (mortgage, insurance, life cover etc) while I am renting privately.
Ex is not my daughters biological dad so soes not pay maintenance etc. Her biological father is not involved and never has been.
I have my medical card and FIS.
26
Monthly Net income from employment or profession:
€1950
Monthly FIS Payment:
€160
Child Benefit:
€166
Total monthly income:
€2276
Monthly fixed outgoings:
ESB: €30
Phone: €50
Sky: €22
Insurance: €30
Creche: €325
Rent: €700
Loan Repayment (15k over 5 years taken out 3 months ago) €321
Credit card (balance is 300) €30
Total fixed outgoings : €1508
Balance left each month €770 for food, heating(oil), petrol, tax and clothes for myself and my daughter.
Type of employment:
private sector
Expenditure pattern:
just breaking even
Savings and investments:
none
Do you have a pension scheme?
no.
Do you own any investment or other property?
No.
Ages of children:
6
What specific question do you have or what issues are of concern to you?
It seems like almost €200 per week should be enough to live off but it doesn't appear to be. I am starting a spending diary but I don't really see where else I can cut back.
I shop in Aldi, buy as little as possible etc.
But it seems every month my wages are not going as far and I don't want to end up in the red every month which is the way things are going.
Any furthur areas i can cut back on? I need my phone (don't have a landline) and while Chorus is cheaper it is not available in my area so I have the minimum Sky package. I cannot apply for a council house as my ex and i are selling our current house (bought 2 years ago) and we will be fortunate to break even if it sells. he is currently living there and paying all associated costs (mortgage, insurance, life cover etc) while I am renting privately.
Ex is not my daughters biological dad so soes not pay maintenance etc. Her biological father is not involved and never has been.
I have my medical card and FIS.