Hi ailbhe. One bit of advice continually given here is to start a spending diary. Keep track of everything you spend so you know precisely what goes where.
What is the situation with your personal loan repayment? How long more do you have to make the repayment?
Is there anyway you can reduce your rent?
Sorry your finding the going so tough Ailbhe. Might be a stupid suggestion but do your employers know how tight things are and could they pay your exam fees now on the proviso of you paying them back if you don't pass. You also mention broadband being needed for work, again I know it is a relatively small amount but can you not claim that back in expenses from them. Would almost cover your Sky bill at least
Just a few more questionss. What is your fuel cost? Is this heating? I notice you have ESB and petrol separately. If it is fuel do you have the option to use gas in the house? A gas bill to heat the house would not be €100 per month.
Secondly, what is the insurance paymnet of €84 per month for? It's possibly health insurance, if not do you really need it?
You say your broadband is necessary for work? Do you work from home? If you do, do you need creche payment?
Will you be getting a % of the proceeds from the sale of the house your ex partner is currently living in?
Thats a bit unfair of them not to cover your broadband if it is for work related purposes.
Is there anyway of making a bit of extra outside of work.
I know you have a child which doesn't make it easier but I have a friend who does ironing for people and does it when her kids are in bed.
The fuel cost should reduce over the next few months as we are out of the cold spell.
Will your studies be fully over this summer?
Have you ever received maintenance from your child's Father? Even if you could get a maintenance order for €50 a week it would really ease the pressure on you. Also, if you were able to get some maintenance money you should seriously consider getting some life insurance, for your own peace of mind.
I broached mornings only with my employers but they weren't interested at all. It works out much of a muchness anyway really. I would get a reduced OPFA and FIS and wages but would only save on creche. There is potential for progression in my current job, stability and good hours to suit family life (mon to fri, no bank holidays etc). A mornings only office job would be a needle in a haystack in this economy.Could you maybe work mornings only? You would save on the creche fees then. Or, is there a family member that might do the minding for say €200 a month? A friend of mine has a brother who was made redundant last year and he now minds her two kids until 2pm on weekdays. He takes significantly less from her than a non-family member would and he actually enjoys it!
I notice on your list of ougoings that you don't list any expenditure for socialising. I know you probably don't get a chance to go out much but even if you could have an evening to yourself once or twice a month it would do you the world of good.
Don't beat yourself up too much. You seem to have your head screwed on and the fact that you are looking for ways to improve your situation is half the battle.
Noor
Ailbhe
You sound like you're doing great although it's tough. The areas that jump out at me are
- I think your employers are being a bit harsh by not paying for anything with annual ongoing training of E150 pa and also the broadband - but hopefully you will be able to reap the benefits in the future in terms of job progression?
- the fuel costs seem high - are you using the immersion or something
- there must be some process whereby you can get some official help with locating your daughter's Dad
Hi there, can you get in contact with his family. They may be willing to help you encourage him to take a bit more responcibility.
your daughter is their grand child..
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