4,900 / year Dec19-Dec20
I was looking at the AnPost SEAI energy upgrade loans that work out at c.700mth for a 70k loan over 10 years.. (?)
Looking at AnPost SEAI energy loans, money I save might pay for a city break
1400/month (350/wk) ..... 2 peopleThank you for answering question 1. Added details are good, well done. (€96 Euro a week.)
Question 2
What exact income is coming into the house? (do not say PUP say € amount X to the Euro) and how many people in house.
Did that years ago, used buy 'trade' cars, service and valet, drive for 6 mths and sell on....happy days. Bit like 'flipping houses' on US TV shows.As a general rule, renovations/remodelling do not enhance the value of a house rather make it more saleable in a competitive market.
It's a seller's market right now due to lack of supply and all the state money being handed out.
If I was in your situation, I would improve the kerbside appeal at low/no cost by decluttering, pressure washing, strategically placed plants et al and get the house on the market asap with a view to significantly downsizing.
I did similar a couple of years ago and only touched up the paint in the reception rooms and gave the front door a coat of varnish and polished the brass door furniture for the first impression and left the (badly in need of redecorating) bedroom walls untouched.
The house achieved an unprecedented price for the area.
Good luck.
Thank you for answering Question 2.1400/month (350/wk) ..... 2 people
The Immmersion..hadn't thought of that....This thread is hilarious in its own way...have you tried turning off the immersion
But seriously if you are paying that much your first step should be to change provider every year, it will save you a fortune.
None of this makes any sense, so you plan to save €200-250 a month in bills by taking a loan that costs nearly €750 a month. You clearly cannot afford that. And you are highly unlikely to get a loan of €70k anyway based on your income...back to that big chart of yours...
Wait for it, this is going to be a doozy....Thank you for answering Question 2.
Question 3
What amount do you spend on food weekly.
I'd assumed the same until Buddyboy's post 48.. This one might be a slow burner and we might end up with Frank and Una in Gran Canaria on Joe Duffy.Think this thread has run its course.
Only car finance,(191 Apr/4 yrs left) and that's on a 6 mth (+?) payment break.Only reason that was bought was because I'd spent the guts of I suppose 8k on repairs on the last few s/h cars (left one into a main dealer to do the rad, came back with loose a/t pipe which leaked fluid, told me to bring it back but a/t expired on the way there, refused to accept blame ,so do you start forking out legal fees to sue etc??). Basically towed the car to the dealer for 4k scrappage on the new one..Question 4.
Bren do you or you wife owe any money anywhere, bank, car finance, credit card, credit union loan?
I already know the solution, but someone needs to put on their listening ears.I think I will come back to this thread when Bronte gets to Q 43 and we may be getting to a proper analysis and proposed solutions
Yes, just meQuestion 5.
In your working life Bren do either you or your wife have entitlement to a contributory state pension eventually. That’s the pension you get if you paid social insurance. Like being in a job such as working for Dunnes or Lidl.
Question 6Yes, just me
Job 1 for Bren4,900 / year Dec19-Dec20. Plug in electric fires for heat. Another mystery is how our electric bill went UP after getting a gas (bottle, not mains) cooker....? Did double check on our consumption v's meter reading on 'My electric account' page, found a discrepancy of 3000kW between my reading and their figures....?? Going to get on to ESB about a Pay-as-you-go meter that'll lighten the load. Looking at AnPost SEAI energy loans, money I save might pay for a city break........
We're getting to the root of it now. I suspect it's the other half who's not turning off the immersion.if she's shopping then it could be 150/wk(her 'basics')
About 30 years on PRSI then 15 as a sole trader with some summer jobs (PRSI) during that time.Question 6
How many years? Any breaks in your social insurance history. Obviously if you were ever on the dole, you were still putting up a stamp, presumably it’s the same with the PUP. You mentioned you worked as a sole trader.
It's 0.17c / unit, Electric Ireland,Job 1 for Bren
Get out your last six bills, tell us if says Electric Ireland. Look at the bill and tell us how much per unit of electricity you are paying.
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