Yes those figures were correct. On a much better footing now too as have cleared a lot of debt/monthly expenditure and nowhere near going into overdraft anymore.
Only one loan outstanding now (paid the 130 and 255 per month). I didn't pay anything off the credit union using savings as was afraid to reduce all our savings as don't have much, had free meeting with accountant yesterday and she advised to increase money into savings and just tip away with the 331 a month into loan (50 of the 386 is savings).
Cancelled mortgage payment protection, and changed the mortgage protection(life assurance) to cover both me and spouse (I wasn't on other one) and paid first year up front (50% saving) and will be 20 a month from next year. We're insured up to 200,000 for 32 years.
Paid car insurance up front this year and halfed internet, also switched house insurance and paid up front and saved 60 euros by switching alone not including monthly saving.
Stopped an post savings for me and partner (160 a month). Going to pay bins up front in April so will cut that monthly expense and am starting half days in April so although I'll be on half wages, creche will be less.
Yes we spend a lot on TV, but we don't drink, smoke, go out for meals or cinema, very very rarely nor get takeaways, so need to have something. But cancelling movies next month(was tied to contract until then) and everything going for summer as sports will be over and will just get whatever comes in for free.
Now, back to this thread question. Problem is, like everyone else I suppose, don't want the house anymore, rumors being fixed rate going and TSB variable (or whatever linked company to them is) is gone up to near 10% (we're BOI) and ECB threating another 4 hilkes this year. Have a year and half on fixed rate left and really can't afford or want to pay 10% +. Would be happier to sell it and OK we've paid 45,000 into house so far , not including contents etc. and walk away with a loss of 50,000 and not have a house around our necks. Not having a house is not a big deal to us, having to enter the rental market isn't a bad scenario we feel and if husband got bad credit rating as long as mine OK and no chance to prison really feel the worst that can happen is loose house and bad credit.
Now it's not that Oh give back house and let tax payer pay for it don't want it. We don't want to be screwed anymore than have, paying 5% OK, we'll pay that, but if interest rates are 10-15%, well then we feel they can keep the house. Not worth it. Only in it 3 years, not much done with it. move on with our lives.
Been looking at the raffle the house threads on here. Seems like a good idea....