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Let's talk money

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By *astello OP   Woman
over a year ago

Far far away

Ive been officially working for 30 years and I'm now the squeezed middle income. Does anyone feel like me.. Worked damn hard and nothing to really show for it. Not poor nor rich but feeling like goddammit there must be a better way.

Will I resort to selling my used bloomers or setting up a non taxable income soon.....

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By (user no longer on site)
over a year ago

It's always been like that work your whole life and at the end have nothing to show for it , that's why we have a cohort in this country who never worked a day in their lives and it goes back generations

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By *olverineMan
over a year ago

ennis

Looking to build a home for myself but a mortgage is not looking good for a single income now a days, but other people get houses for nothing...

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By *og-ManMan
over a year ago

somewhere

Not trying to be smart but have you cut back on as many utility bills as you can without having to cut back on usage

Esb

Gas

Tv

Broadband

You have to ring these and move every 12 months to get the best deals

Anyone not getting a discounted rate for utilities is over paying

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By (user no longer on site)
over a year ago


"Looking to build a home for myself but a mortgage is not looking good for a single income now a days, but other people get houses for nothing..."

There was a video doing the rounds a few years back of a digger driver explaining what was wrong ..if he gets up early in the morning and goes to work earns 750 a week he will get a mortgage for this house if he doesn't go to work sits at home scratching his balls all day he will get this house ,2 identical houses in the same field ,,makes you wonder doesn't it

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By * la carteCouple
over a year ago

Dublin


"Ive been officially working for 30 years and I'm now the squeezed middle income. Does anyone feel like me.. Worked damn hard and nothing to really show for it. Not poor nor rich but feeling like goddammit there must be a better way.

Will I resort to selling my used bloomers or setting up a non taxable income soon..... "

Let's do a bank job - hmu

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By *electableicecreamMan
over a year ago

The West

As a self employed solo parenting man working in the arts sector I am regularly shit on from a great height by basically the entire government and civil service.

I am very grateful for the safety nets that are there though. I grew up in poverty and I made it. And sometimes I still need them.

Casual racism and class discrimination are part of the problem.

Yes OP I do wonder. Sometimes it feels I've worked hard for twenty years for right to have a lifetime of debt.

I try to give back. My career is focused on giving and that gives me hope

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By *og-ManMan
over a year ago

somewhere


"Ive been officially working for 30 years and I'm now the squeezed middle income. Does anyone feel like me.. Worked damn hard and nothing to really show for it. Not poor nor rich but feeling like goddammit there must be a better way.

Will I resort to selling my used bloomers or setting up a non taxable income soon.....

Let's do a bank job - hmu "

A pair of tights with one leg over each of your heads

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By *astello OP   Woman
over a year ago

Far far away


"Ive been officially working for 30 years and I'm now the squeezed middle income. Does anyone feel like me.. Worked damn hard and nothing to really show for it. Not poor nor rich but feeling like goddammit there must be a better way.

Will I resort to selling my used bloomers or setting up a non taxable income soon.....

Let's do a bank job - hmu "

Thelma and Louise... Here we go...

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By *oo32Man
over a year ago

tipperary


"Ive been officially working for 30 years and I'm now the squeezed middle income. Does anyone feel like me.. Worked damn hard and nothing to really show for it. Not poor nor rich but feeling like goddammit there must be a better way.

Will I resort to selling my used bloomers or setting up a non taxable income soon..... "

Approach your boss and discuss a raise or a promotion

Unskill or

Change jobs completely

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By * la carteCouple
over a year ago

Dublin


"Ive been officially working for 30 years and I'm now the squeezed middle income. Does anyone feel like me.. Worked damn hard and nothing to really show for it. Not poor nor rich but feeling like goddammit there must be a better way.

Will I resort to selling my used bloomers or setting up a non taxable income soon.....

Let's do a bank job - hmu

Thelma and Louise... Here we go... "

They can help too - the more the merrier

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By *rish_GuyMan
over a year ago

Foxford


"Ive been officially working for 30 years and I'm now the squeezed middle income. Does anyone feel like me.. Worked damn hard and nothing to really show for it. Not poor nor rich but feeling like goddammit there must be a better way.

Will I resort to selling my used bloomers or setting up a non taxable income soon..... "

How many year's have you been working unofficially OP?

(hand to ear)

Also OP, you've your days mixed up. Your not suppose to be thinking like that until tomorrow.

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By *rish_GuyMan
over a year ago

Foxford

If thing's worked out right for me. I wouldn't be far from working meself for the past 30 year's aswell. But it didn't go like that. I'd class meself as below the so called middle class of people. As I spent alot of my younger years on the dole. Mainly throughout the Celtic tiger. I even had to spend 4 month's living on fresh air. Even doe I'm working now. I can't see the finance benefit of yet really. There's a serious chance that I'll be back on the dole again in the future. So I'm not getting my Hope's up of ever be in a Happy financial place, so to speak. I'm still hoping of having my own home 1 day, with little to no mortgage. Mainly cause of age & financial income, coming in on a continues base. It's mainly just a dream for the foreseeable future. That's life for me & others. Sence I went through them 4 month's of living on fresh air, I'm always trying to save some money for a house & maybe a pension. Haven't been able to stay away from it, since I started it, as something has raised it's head, ie Car, etc. I've started listening to a financial podcast called Informed Decision personal finance. A guy from Meath does it. He covers everything, more or less. So I'm still hopeful that it'll work out in time, in someway for me.

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By *lay rock69Man
over a year ago

monaghan

Work 2 jobs and still get it tight

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By *he zephyrCouple
over a year ago

The Sol


"

There was a video doing the rounds a few years back of a digger driver explaining what was wrong ..if he gets up early in the morning and goes to work earns 750 a week he will get a mortgage for this house if he doesn't go to work sits at home scratching his balls all day he will get this house ,2 identical houses in the same field ,,makes you wonder doesn't it "

The question is do you take what's state given or have the independence to choose.

That's the difference between working and not. No income = no choice.

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By *rish_GuyMan
over a year ago

Foxford


"

There was a video doing the rounds a few years back of a digger driver explaining what was wrong ..if he gets up early in the morning and goes to work earns 750 a week he will get a mortgage for this house if he doesn't go to work sits at home scratching his balls all day he will get this house ,2 identical houses in the same field ,,makes you wonder doesn't it

The question is do you take what's state given or have the independence to choose.

That's the difference between working and not. No income = no choice. "

Your not wrong about that. I'm going to sound like I'm contradicting you, by saying this part, your income needs to be at certain level. For a person to feel that they have a choice, at all. If it's not you wouldn't feel that or like that at all.

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By (user no longer on site)
over a year ago


"

There was a video doing the rounds a few years back of a digger driver explaining what was wrong ..if he gets up early in the morning and goes to work earns 750 a week he will get a mortgage for this house if he doesn't go to work sits at home scratching his balls all day he will get this house ,2 identical houses in the same field ,,makes you wonder doesn't it

The question is do you take what's state given or have the independence to choose.

That's the difference between working and not. No income = no choice. "

But how could someone who never worked a day in their lives get the exact same house as someone who gets up at 5am for work 5 days a week, it makes a complete mockery out of the working person , you work to pay for your house and for the pleasure of this you pay income tax and that income tax is used to buy houses for people who never worked , doesn't sound fair to me but then again life isn't fair

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By (user no longer on site)
over a year ago

I have worked as a single patent, done a job bridge programme ( free labour) been unemployed, self employed and I'm now I'm the civil service and honestly I wonder why I bother. First of the majority of civil service employees are not lining their pockets. The last increase we got made a difference of 5 quid a week to me.

As for cutting back as a single patent I learnt to cut back. And as a single parent I mean completely alone, no involvement from the sperm donor ever.

I'm now even on a decent middle income struggling to make ends meet, but I'll just get on with things and do without the luxuries.

Not sure where it will end though. If diesel keeps going up I won't be able to afford to go to work

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By (user no longer on site)
over a year ago

We are promoted as a low tax economy, but we are far from it. Every penny we get after tax is further taxed when we spend. If its not 23% vat, its excise duties. Cars that cost 25k in the uk, attract upto a further 20/25k in vrt and vat. Its not like we have a public transport option instead here. Everywhere we turn, its some new levy or tax, with the most recent being 50c on a cup of takeaway coffee along side. A health service that is stretched to the limits…. Rant over….

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By (user no longer on site)
over a year ago


"We are promoted as a low tax economy, but we are far from it. Every penny we get after tax is further taxed when we spend. If its not 23% vat, its excise duties. Cars that cost 25k in the uk, attract upto a further 20/25k in vrt and vat. Its not like we have a public transport option instead here. Everywhere we turn, its some new levy or tax, with the most recent being 50c on a cup of takeaway coffee along side. A health service that is stretched to the limits…. Rant over…."

The vrt and vat rates on cars and commercials is a disgrace , I actually think this government is an enemy of the people not a friend anyway like you said a new tax or levy everywhere you turn, now they want to lower speed limits in urban areas from 50 to 30km in the guise that it will save lives but it's a money making exercise pure and simple

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By (user no longer on site)
over a year ago

Our company recently purchased a commercial vehicle, between vat and vrt, the government got more than the manufacturer and dealer combined

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By *urvyLouLouWoman
over a year ago

Tyrone

I work full time and study, I am benefited by the fact my employer sponsored my degree. I recieve no income benefits and between the cost of every day living and childcare I am in a position where I am no longer working class.

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By *electableicecreamMan
over a year ago

The West


"

There was a video doing the rounds a few years back of a digger driver explaining what was wrong ..if he gets up early in the morning and goes to work earns 750 a week he will get a mortgage for this house if he doesn't go to work sits at home scratching his balls all day he will get this house ,2 identical houses in the same field ,,makes you wonder doesn't it

The question is do you take what's state given or have the independence to choose.

That's the difference between working and not. No income = no choice.

But how could someone who never worked a day in their lives get the exact same house as someone who gets up at 5am for work 5 days a week, it makes a complete mockery out of the working person , you work to pay for your house and for the pleasure of this you pay income tax and that income tax is used to buy houses for people who never worked , doesn't sound fair to me but then again life isn't fair "

I believe that to have an opinion like this is to speak from a position of privelage.

Plenty of people who never worked a day in their life get their education and houses and cars all sorted by inheritance and institutional money accessible almost exclusively by the cultural elite. Should they have all those benefits beside all those gets working blue collars?

People who have nothing generally have nothing. That includes choosing where to live, opportunities to gain skills and access to higher education.

They have plenty of discrimination though.

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By *astello OP   Woman
over a year ago

Far far away

Thanks everyone for your contributions. I have changed utility providers recently and Ive been self employed three times already in my working life.

I just feel thats it's hard to make progress in this country. Youre taxed on everything and anything and in my 30 years of work, I have only claimed SW for a short period. Ive contributed in many ways to society but I dont receive anything in return. Many peers of mine who emigrated seem to be much more financially stable at this juncture than me.

I fully support those who need help but the middle classes seem to be treated the harshest.

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By *rish_GuyMan
over a year ago

Foxford


"Thanks everyone for your contributions. I have changed utility providers recently and Ive been self employed three times already in my working life.

I just feel thats it's hard to make progress in this country. Youre taxed on everything and anything and in my 30 years of work, I have only claimed SW for a short period. Ive contributed in many ways to society but I dont receive anything in return. Many peers of mine who emigrated seem to be much more financially stable at this juncture than me.

I fully support those who need help but the middle classes seem to be treated the harshest.

"

That's 1 thing, I must do meself is change utility provider's. I was self employed in the past. After I had. My running costs paid or taking out of it. I was financially better off on the dole, at the time. That said I could & more than likely end up bad being self employed again in the near future or try to anyway's. To keep off the SW.

Ya,that's true aswell. Anybody that seems to have emigrated does seem to be better off. Than the people that didn't emigrated & stayed in this Country.

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By *og-ManMan
over a year ago

somewhere

Hopefully the budget seems to be setting up a large payback to those struggling working middle class as they're called by the papers

Hopefully about 1000 euro a year back including more energy credits

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By (user no longer on site)
over a year ago

hope so too bog. 1000 would be very welcome

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By *elfastDMan
over a year ago

belfast


"Ive been officially working for 30 years and I'm now the squeezed middle income. Does anyone feel like me.. Worked damn hard and nothing to really show for it. Not poor nor rich but feeling like goddammit there must be a better way.

Will I resort to selling my used bloomers or setting up a non taxable income soon..... "

If you start selling your bloomers let me know, although I’m not sure I could afford the export/import paperwork, I may need to find an alternative supplier outside the EU

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By *og-ManMan
over a year ago

somewhere


"Ive been officially working for 30 years and I'm now the squeezed middle income. Does anyone feel like me.. Worked damn hard and nothing to really show for it. Not poor nor rich but feeling like goddammit there must be a better way.

Will I resort to selling my used bloomers or setting up a non taxable income soon.....

If you start selling your bloomers let me know, although I’m not sure I could afford the export/import paperwork, I may need to find an alternative supplier outside the EU "

Brexit Bloomers

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By *aptainpuffinMan
over a year ago

Ballincollig

I completely agree , if need a 20k pay rise to make my ends meet, it’s bloody ridiculous. I’ve a masters degree and wish I’d done a trade some days. Kids should be told what they would be earning in third level at the end of study versus a proper apprenticeship, they can at least make an informed choice instead of doing third level qualifications which lead to crap jobs they hate instead of doing an apprenticeship in something they may love and make better money at…

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By (user no longer on site)
over a year ago


"Hopefully the budget seems to be setting up a large payback to those struggling working middle class as they're called by the papers

Hopefully about 1000 euro a year back including more energy credits "

That’s a holiday every 4 years brilliant

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By (user no longer on site)
over a year ago


"I completely agree , if need a 20k pay rise to make my ends meet, it’s bloody ridiculous. I’ve a masters degree and wish I’d done a trade some days. Kids should be told what they would be earning in third level at the end of study versus a proper apprenticeship, they can at least make an informed choice instead of doing third level qualifications which lead to crap jobs they hate instead of doing an apprenticeship in something they may love and make better money at…"

Great post

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By (user no longer on site)
over a year ago


"I completely agree , if need a 20k pay rise to make my ends meet, it’s bloody ridiculous. I’ve a masters degree and wish I’d done a trade some days. Kids should be told what they would be earning in third level at the end of study versus a proper apprenticeship, they can at least make an informed choice instead of doing third level qualifications which lead to crap jobs they hate instead of doing an apprenticeship in something they may love and make better money at…"

well said

if I had my youth again I'd go plumbing. impossible to get a good plumber that specializes in heating controls and renewables,

my plumber could earn 3k per week but he chooses a work life balance

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By *og-ManMan
over a year ago

somewhere

Its definitely getting through to the kids...son has 3 friends taking apprenticeships instead of going to college

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By (user no longer on site)
over a year ago


"Its definitely getting through to the kids...son has 3 friends taking apprenticeships instead of going to college

"

Good on them if this was sang from the pulpit a few years ago we wouldn’t have the shortage we have now

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By *og-ManMan
over a year ago

somewhere

There's also an app called too good to go ....look it up ...you can save a few euro on food

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By *electableicecreamMan
over a year ago

The West


"There's also an app called too good to go ....look it up ...you can save a few euro on food "

Oleo is also very very good

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By (user no longer on site)
over a year ago

Ah sure look the sinn féin are going too give us a 1/3 of what we paid in mortgage payments back

Not my words Matt carthy

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By *electableicecreamMan
over a year ago

The West


"Ah sure look the sinn féin are going too give us a 1/3 of what we paid in mortgage payments back

Not my words Matt carthy "

I here Bertie is giving everyone a refund too.

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By (user no longer on site)
over a year ago

tubs has started a whip around too

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By (user no longer on site)
over a year ago


"Its definitely getting through to the kids...son has 3 friends taking apprenticeships instead of going to college

"
Thankfully this trend is back again. For years there has been little or no career guidance in secondary schools. Not everyone has academic abilities but plenty of our young people can work with their hands ! I hope more of them take up apprenticeships ??

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By (user no longer on site)
over a year ago


"Its definitely getting through to the kids...son has 3 friends taking apprenticeships instead of going to college

Thankfully this trend is back again. For years there has been little or no career guidance in secondary schools. Not everyone has academic abilities but plenty of our young people can work with their hands ! I hope more of them take up apprenticeships ??"

Here here don’t put pressure on you’re kids they might not want to be what you want them to be consultants etc etc

Let them be themselves what ever they choose encouragement is all they need

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By *electableicecreamMan
over a year ago

The West

I'd love to see more funding going into arts and cultural education too.

The country is in dire need of it.

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By (user no longer on site)
over a year ago

Everything with government's in this country is awash with corruption,hate to say this but if you're middle income in this country you have no chance..the cost of mortgages..rent etc is astronomical ..the Government get 67% tax in car fuel ..do they give a rats ass of its costs ? They do like fuck .. we'll just take 1 ..yes 1 .. there are loads believe me ...in this country when you have a car .

You buy it

You tax it

You insure it

You maintain it

You NCT it

You put fuel into it

You pay road tolls.

You pay for parking.

..that's 8 ..yes 8..things that costs you every year..and that is only 1 item..

middle income earners have no chance , either be loaded where you don't give a fuck about money .or be a low earner where you come under the radar for everything, ..that's the way it is.. horrible for middle income earners.

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By *oghunter33Woman
over a year ago

on the hill NordWest of


"Hopefully the budget seems to be setting up a large payback to those struggling working middle class as they're called by the papers

Hopefully about 1000 euro a year back including more energy credits "

While most will need and welcome the additional financial support for the winter season, you must admit there's something pretty f£€$ed up with the whole system when a government has to resort to such broad measures and 2/3 of the population are struggling to make means end.

Yet someone is having a laugh and making huge profits....

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By *rish_GuyMan
over a year ago

Foxford


"Everything with government's in this country is awash with corruption,hate to say this but if you're middle income in this country you have no chance..the cost of mortgages..rent etc is astronomical ..the Government get 67% tax in car fuel ..do they give a rats ass of its costs ? They do like fuck .. we'll just take 1 ..yes 1 .. there are loads believe me ...in this country when you have a car .

You buy it

You tax it

You insure it

You maintain it

You NCT it

You put fuel into it

You pay road tolls.

You pay for parking.

..that's 8 ..yes 8..things that costs you every year..and that is only 1 item..

middle income earners have no chance , either be loaded where you don't give a fuck about money .or be a low earner where you come under the radar for everything, ..that's the way it is.. horrible for middle income earners.

"

I agree with you on most thing's that you've said in this post. Expect for the low earner part. They have the same problems as the middle class earners aswell. They'll feel the pressure/stress even more so, cause of earning a lower income. If your on the SW, your looked down on, in this Country completely. It's some of the higher earners & people that's loaded, that's the winner's in this Country. It's the middle class down that don't stand a chance.

Off topic abit, sorry OP, what is the income level in this Country for a middle class earner?

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By *rish_GuyMan
over a year ago

Foxford


"I completely agree , if need a 20k pay rise to make my ends meet, it’s bloody ridiculous. I’ve a masters degree and wish I’d done a trade some days. Kids should be told what they would be earning in third level at the end of study versus a proper apprenticeship, they can at least make an informed choice instead of doing third level qualifications which lead to crap jobs they hate instead of doing an apprenticeship in something they may love and make better money at…

well said

if I had my youth again I'd go plumbing. impossible to get a good plumber that specializes in heating controls and renewables,

my plumber could earn 3k per week but he chooses a work life balance "

Bad then heating controls & renewables weren't a big thing. Were they even invented then? It's really in the last 5 to 10 year's that they've really came to the forefront in this Country. It's from now on that they'll be coming really importanted. You can't really blame the plumber or the likes for wanting a work, life balance. Like how many people want that, but can't have it, cause of the cost of living in this Country?

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By *ilthyNightsCouple
over a year ago

East / North, Cork

I think contractors deserve every penny for a job well done. Good work deserves good pay.

I'd definitely encourage my kids to learn a trade of they didn't have a passion for something else that required uni.

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By *rish_GuyMan
over a year ago

Foxford


"I think contractors deserve every penny for a job well done. Good work deserves good pay.

I'd definitely encourage my kids to learn a trade of they didn't have a passion for something else that required uni. "

Ya,that's true.

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By (user no longer on site)
over a year ago


"Ive been officially working for 30 years and I'm now the squeezed middle income. Does anyone feel like me.. Worked damn hard and nothing to really show for it. Not poor nor rich but feeling like goddammit there must be a better way.

Will I resort to selling my used bloomers or setting up a non taxable income soon.....

Let's do a bank job - hmu

Thelma and Louise... Here we go...

They can help too - the more the merrier "

Ah here.. only seeing this now.. did we miss it??

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By *asual777Man
over a year ago

i travel all over

I don’t think one stands still

Keeping going means more pension , state pension and if you own a home possibly more Mortgage paid and equity accumulated

It might not seem like it but a year of not saving more may still be a financially fruitful year in the grand scheme of things

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By (user no longer on site)
over a year ago


"Its definitely getting through to the kids...son has 3 friends taking apprenticeships instead of going to college

Thankfully this trend is back again. For years there has been little or no career guidance in secondary schools. Not everyone has academic abilities but plenty of our young people can work with their hands ! I hope more of them take up apprenticeships ??"

My youngest wanted to. Finding an employer who would take him on was a whole other kettle of fish. Not only him but so many in his school year were in a similar position. As a result traineeships (where no employer is required) were oversubscribed. He ended up going back to school for 6th form.

It's all well & good wanting to learn a trade but if employers aren't prepared to take on apprentices then what do you do? Obviously it might be different in the cities but here, rurally, it's pretty much a non-starter

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By *og-ManMan
over a year ago

somewhere


"Hopefully the budget seems to be setting up a large payback to those struggling working middle class as they're called by the papers

Hopefully about 1000 euro a year back including more energy credits

While most will need and welcome the additional financial support for the winter season, you must admit there's something pretty f£€$ed up with the whole system when a government has to resort to such broad measures and 2/3 of the population are struggling to make means end.

Yet someone is having a laugh and making huge profits.... "

ESB announce profits of €676 million euro for first 6 months of 2023 this morning

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By *arrot_in_a_boxCouple
over a year ago

kinda dublin

You load 16 tons, and what do you get?

Another day older and deeper in debt

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By *eohbe96Man
over a year ago


"Hopefully the budget seems to be setting up a large payback to those struggling working middle class as they're called by the papers

Hopefully about 1000 euro a year back including more energy credits

While most will need and welcome the additional financial support for the winter season, you must admit there's something pretty f£€$ed up with the whole system when a government has to resort to such broad measures and 2/3 of the population are struggling to make means end.

Yet someone is having a laugh and making huge profits....

ESB announce profits of €676 million euro for first 6 months of 2023 this morning "

I just saw that on the news, somewhat infuriating considering my electricity bill has doubled in the last year

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