Hi all,
well im almost 8 months into home ownership.
I have a joint mortgage, my partner and i are 31 and 24 respectively, we have no kids, this is our first home.
my outgoings this month absolutely blazed me due to physio required once a week for last 6 weeks and car tax and a car service all hitting me at once plus a stag and a weekend away camping (which the storm force winds and rain meant 3 of us staying in a 2 bed room in a hotel as we couldnt get even a hostel).
In general i get by, i never seem to be able to save though and really want to but seem to procrastinate too much.
I will lay my financials on the line and see if you can suggest anything:
Income:
€2665 pm
Outgoings:
Direct Debits:
Car €158 (of a €7000 loan taken out in feb)
Car Insurance €70
Mortgage €1100
Health Insurance €60
Loan repayment to parents €100 (of 2600 euro loan)
Mobile Phone (o2 monthly €54 and maybe 1 text bundle at €7.50)
Credit Card (currently at €1007) am trying to clear it so will pay 1 - 200 per month on it.
Total disposable income left: about €1000 euro
The Mortgage money going into our joint account covers EBS,ESB,BordGais,Irish Life and Sky Tv and we have a little saving up each month on top of it.
Weekly Disposable Income: €200
Weekly expenditure
Food and households - €40 (my half)
Petrol - €60 on petrol per week, i drive to work but they dont want to know about subsidising anything.
I pay probably €10 per week on lunch (i bring my own in, so thats cost of bread, ham etc, crisps, odd pack of gum) was up to €25 when not bringing it in.
rest is just used for myself but if you take the odd bottle of wine and dvd, cinema visit, maybe a night out on the beer. basically i scrape by and cant seem to save.
My plan is to switch to public transport. get the tax saver monthly tickets from next month on, means earlier up and ealier home but will cost me €98 per month to travel. so hopefully will save another €100 or so...
any advice though is appreciated.
well im almost 8 months into home ownership.
I have a joint mortgage, my partner and i are 31 and 24 respectively, we have no kids, this is our first home.
my outgoings this month absolutely blazed me due to physio required once a week for last 6 weeks and car tax and a car service all hitting me at once plus a stag and a weekend away camping (which the storm force winds and rain meant 3 of us staying in a 2 bed room in a hotel as we couldnt get even a hostel).
In general i get by, i never seem to be able to save though and really want to but seem to procrastinate too much.
I will lay my financials on the line and see if you can suggest anything:
Income:
€2665 pm
Outgoings:
Direct Debits:
Car €158 (of a €7000 loan taken out in feb)
Car Insurance €70
Mortgage €1100
Health Insurance €60
Loan repayment to parents €100 (of 2600 euro loan)
Mobile Phone (o2 monthly €54 and maybe 1 text bundle at €7.50)
Credit Card (currently at €1007) am trying to clear it so will pay 1 - 200 per month on it.
Total disposable income left: about €1000 euro
The Mortgage money going into our joint account covers EBS,ESB,BordGais,Irish Life and Sky Tv and we have a little saving up each month on top of it.
Weekly Disposable Income: €200
Weekly expenditure
Food and households - €40 (my half)
Petrol - €60 on petrol per week, i drive to work but they dont want to know about subsidising anything.
I pay probably €10 per week on lunch (i bring my own in, so thats cost of bread, ham etc, crisps, odd pack of gum) was up to €25 when not bringing it in.
rest is just used for myself but if you take the odd bottle of wine and dvd, cinema visit, maybe a night out on the beer. basically i scrape by and cant seem to save.
My plan is to switch to public transport. get the tax saver monthly tickets from next month on, means earlier up and ealier home but will cost me €98 per month to travel. so hopefully will save another €100 or so...
any advice though is appreciated.