U
Unmillion
Guest
I'll try to keep this simple. I found out a couple of days ago out of the blue that I'm being made redundant, and I've got my 2 weeks notice. I'm an IT contractor and I've looked into it and it seems I'm notentitled to any redundancy. This was very unexpected as my contract just got renewed a few months ago and was due to run until summer 2013.
My rent is 1200 eur per month
Internet 35 eur month
Sky 82 eur per month
VHI 65 eur per month
Gas & Electic can vary.
Savings: 0 euro
Credit Card Bill: 2900 euro
I worked out that with what I'm left to get paid, I'll have a total of about 5500 euro coming in over the next month.
As you can see, these numbers don't add up. I live in Dublin by myself renting and it's looking like I may have to pack up and move home to Northern Ireland. The dole down here won't cover my rent even with rent allowance.
I called my landlord a few hours after I found out I was being let go and they were very understanding and aren't holding me to needing to give a months notice. They said to wait a few days before deciding anything and if it helped, we could go to a weekly or 2 weekly rent payment.
I guess the thing I'm really worried about is the credit card bill. If I decided to move home to Northern Ireland and had no more rent to pay, I could easily clear it off and would have a couple of grand left over when I get back to the north. This would allow me to get back on my feet and pay a deposit and rent somewhere else whenever I get back to work. But having to pack up and move out of Dublin isn't a small task and I'm kind of settled and somewhat happy here.
My other concern is, I could try and just pay off a few hundred euro of my credit card bill, and use the rest of my money to pay rent and bills for the next couple of months in the hope I get work in Dublin. The problem will be when those couple of months are up, if I have no job, I will still need to move out and I will still owe money on my credit card. At least if I go in a few weeks, I can clear the debts.
My car is a southern reg also as I imported it a few years ago. The insurance company told me the car wouldn't be covered if it was kept in the north which is to be expected. So I'd probably have to go through the whole rigmarole of exporting it to the north and re-registering it. While that isn't an expensive task, it's a lot of hassle. I just renewed my car insurance and road tax down here a couple of weeks ago so I'd get most of it back anyway and could re-use it to tax and insure it at home.
Basically I'm trying to work out what I should do. In my head I'm thinking if I don't get work within the next 2-3 weeks, I should pack up and leave. But it's a big deal having to move home and who knows, I could end up moving back a few months later. I don't really have anyone I could bunk with here and doing so would just mean moving out of my place anyway so what's the point of trying to stay in Dublin if I need to move out, I might as well go the whole hog and move to the north.
I will probably try and claim a tax refund if I don't get work but I did that a few years ago when I moved abroad and I've a feeling I only got a couple of hundred euro back.
I know I was stupid to allow myself to be left in this situation but I can't change that now.
Is there some option here that I'm not seeing?
Thanks.
My rent is 1200 eur per month
Internet 35 eur month
Sky 82 eur per month
VHI 65 eur per month
Gas & Electic can vary.
Savings: 0 euro
Credit Card Bill: 2900 euro
I worked out that with what I'm left to get paid, I'll have a total of about 5500 euro coming in over the next month.
As you can see, these numbers don't add up. I live in Dublin by myself renting and it's looking like I may have to pack up and move home to Northern Ireland. The dole down here won't cover my rent even with rent allowance.
I called my landlord a few hours after I found out I was being let go and they were very understanding and aren't holding me to needing to give a months notice. They said to wait a few days before deciding anything and if it helped, we could go to a weekly or 2 weekly rent payment.
I guess the thing I'm really worried about is the credit card bill. If I decided to move home to Northern Ireland and had no more rent to pay, I could easily clear it off and would have a couple of grand left over when I get back to the north. This would allow me to get back on my feet and pay a deposit and rent somewhere else whenever I get back to work. But having to pack up and move out of Dublin isn't a small task and I'm kind of settled and somewhat happy here.
My other concern is, I could try and just pay off a few hundred euro of my credit card bill, and use the rest of my money to pay rent and bills for the next couple of months in the hope I get work in Dublin. The problem will be when those couple of months are up, if I have no job, I will still need to move out and I will still owe money on my credit card. At least if I go in a few weeks, I can clear the debts.
My car is a southern reg also as I imported it a few years ago. The insurance company told me the car wouldn't be covered if it was kept in the north which is to be expected. So I'd probably have to go through the whole rigmarole of exporting it to the north and re-registering it. While that isn't an expensive task, it's a lot of hassle. I just renewed my car insurance and road tax down here a couple of weeks ago so I'd get most of it back anyway and could re-use it to tax and insure it at home.
Basically I'm trying to work out what I should do. In my head I'm thinking if I don't get work within the next 2-3 weeks, I should pack up and leave. But it's a big deal having to move home and who knows, I could end up moving back a few months later. I don't really have anyone I could bunk with here and doing so would just mean moving out of my place anyway so what's the point of trying to stay in Dublin if I need to move out, I might as well go the whole hog and move to the north.
I will probably try and claim a tax refund if I don't get work but I did that a few years ago when I moved abroad and I've a feeling I only got a couple of hundred euro back.
I know I was stupid to allow myself to be left in this situation but I can't change that now.
Is there some option here that I'm not seeing?
Thanks.