No offence but that's none of your business.Clubman - have you ever reported anyone to social welfare or indeed to revenue or other gov body ?
Generally ( rightly or wrongly ) this kind of thing is not very vell thought of in Ireland and therefore it is difficult to do
No offence but that's none of your business.
Is it safe to assume, after all the discourse about alleged / suspected welfare fraudsters, that this €4,600 annual income gets returned for taxation by the Revenue?...The missus minds a child a few days a week as well so thats where her income comes from...
Yes, absolutely
It is all a question of attitude, and if your username is indicitive of your attitude, that is where you are going wrong.
I raise a family on quite a bit less than your income, same mortgage..different attitude.
I know where my money goes. Broadband yes, Sky no. Frugal shopping, picnics, duchas card and oldish car yes, car loan, begrudgery or welfare hotline no.
Is it safe to assume, after all the discourse about alleged / suspected welfare fraudsters, that this €4,600 annual income gets returned for taxation by the Revenue?
Or am I doing "The missus" a dis-service and in reality this is her net income from running a properly registered, inspected, insured and regulated child-minding business in the home?
Yes, absolutely
I know where my money goes. Broadband yes, Sky no. Frugal shopping, picnics, duchas card and oldish car yes, car loan, begrudgery or welfare hotline no.
Hi Nomun...,
You are in the same boat as a huge number of people, thing is now you have started to do your sums and address your overspending and this will help you get into a position where you can reduce your overdraft and pay off your credit card bills which should in turn free up cash flow and help on a day to day basis. But I would recommend when you get control of your spending you put aside a few Euro each week to get you both out of the house for a night out at least once a month, or long term a holiday once a year, I think psycologically we feel that if little treats are denied we end up spending on bigger items down the line, and its good for couples to get out socially together.
In regard to cutting back little things help, such as shopping for groceries only once a week and going to Lidl or Aldi, bringing your lunch to work, stop buying papers / magazines on a regular basis (and also not being subjected to their 'lifestyle' articles or advertising will less the pressure to buy, buy, buy. Join a Library, take the kids to fee free places such as parks or museums and bring a picnic lunch with you there which you can eat in the car if the weather does its usual rather than the movies and McD's (not assuming you do this, but a lot of us do) And basically stay away from places where you can spend money.
Good luck with it!
[broken link removed]?What is a duchas card?
nomunnofun.
If it makes you feel better,myself and my wife are in the same boat. Don't remember what a pub's like on the inside. Same age as yourselves too. Don't worry though, we'll all get through it.
The names we choose are telling, people rarely choose random numbers or nonsense letters so "nomonnofun" might be read as "I can have no fun because I have no money" (irritation) or maybe "I have no money and I have no fun" (woe is me)Attitude? What has my username got to do with anything?
How can you make any assumptions based on a user name?
Best of luck nomomnofun, hope those silver linings show soon.... As I've already stated I was feeling frustrated when I posted the original post.
Thanks to everyone that posted a reply (even the OT ones)...
The names we choose are telling, people rarely choose random numbers or nonsense letters so "nomonnofun" might be read as "I can have no fun because I have no money" (irritation) or maybe "I have no money and I have no fun" (woe is me)
The first interpretation makes it seem like the only reason to get money is to have fun, the second sounds like two problems rolled up together.
There are actually two threads discussing origin of user names if you want to have a look
http://www.askaboutmoney.com/showthread.php?t=76954
http://www.askaboutmoney.com/showthread.php?t=61150
Best of luck nomomnofun, hope those silver linings show soon.
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