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Irish cost of living

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By *ir1967 OP   Man
over a year ago

in da sticks, london, amsterdam, madrid

Had budget discussions with the missus and she revealed to me that an average Irish household with 3kids faces monthly bills of approx 4k +

Upon my question how people cope with it she did show me some national statistic charts and according to that average Irish income is 32k/year

In my book that is a little more than 2.6k a month, leaving a significant deficit, though I also doubt that a great number of Irish inhabitants are anywhere near 32k annual income

Is the statistic all shite or is there a vast shadow economy which helps people to make ends meet?

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By *longshottMan
over a year ago

Limerick

The average takes in a lot of higher earners. The majority of people in the service and hospitality industries would come nowhere near 32k and have very few rights they can actually avail of. These people unfortunately are forgotten.

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

32k per year is the income for one person, so with a family and two parents working they'd have a combined income of 64k per year.

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

That must be for inner city families or living in more costly areas. Our bills are no where near that per month. Scandalous money to pay out per month

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

Cost of living is high here and the taxes that are charged are outrageous in comparison to what we get. The hospital service is pathetic, country roads are in poor shape, etc.

I don't think anyone would have an objection paying if we get quality in return.

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

4k a month?

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By *ub_leitrim_guyMan
over a year ago

Out in the sticks


"

4k a month? "

On travel!!

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

I don't earn anywhere near 30 k a year and neither does she. But our bills are not that either. We spend what we earn mostly

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


"

4k a month?

On travel!! "

thats a grand a week jasus thats an extravagant lifestyle even for a family with 3 kids

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


"

4k a month?

On travel!!

thats a grand a week jasus thats an extravagant lifestyle even for a family with 3 kids "

Wouldn't agree, mortgage, food, etc. all adds up

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


"

4k a month?

On travel!!

thats a grand a week jasus thats an extravagant lifestyle even for a family with 3 kids

Wouldn't agree, mortgage, food, etc. all adds up"

you have to cut your coat according to your cloth..too many people living beyond their means and then whinging when they find themselves in debt

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

Yes agree but 4K a month is not outrageous spending. Kids are expensive!

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By *ir1967 OP   Man
over a year ago

in da sticks, london, amsterdam, madrid


" 32k per year is the income for one person, so with a family and two parents working they'd have a combined income of 64k per year. "

Hmm but 64k as a couple is probably 35 k net after tax.,so still deficit per month

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

A grand a week as the average and kid's costs increase as they go up through our free education system.

Spoke to a young girl the other day trying to get a city apartment in Dublin...she said people are outbidding and driving the already extravagant cost up. We have been cited as one of the most expensive countries to live in based on the stats of income vs expenses...The turn around won't happen until the gap between the two lessens but can't see that happening anytime soon.

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By *ir1967 OP   Man
over a year ago

in da sticks, london, amsterdam, madrid


"A grand a week as the average and kid's costs increase as they go up through our free education system.

Spoke to a young girl the other day trying to get a city apartment in Dublin...she said people are outbidding and driving the already extravagant cost up. We have been cited as one of the most expensive countries to live in based on the stats of income vs expenses...The turn around won't happen until the gap between the two lessens but can't see that happening anytime soon. "

Yeah , I second that. I should start busking in the evening hours to have a second income

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

The only people who have an expendature of 4k+ a month are either:

-quite well off

-benefit frauds.

No way the average family could sustain that.

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


"That must be for inner city families or living in more costly areas. Our bills are no where near that per month. Scandalous money to pay out per month "

The average rent in Dublin is €1300 a month for a 2 bed. If you have one child in crèche you could easily add another €1200 to that. That's with no shopping for food or cost of running a car, public transport etc. Add electricity, utilities, bin charges and possibly property tax. You are up near €4000 no problem.

OP that's why most family's simply can't afford to live on a single income anymore.

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


"Had budget discussions with the missus and she revealed to me that an average Irish household with 3kids faces monthly bills of approx 4k +

Upon my question how people cope with it she did show me some national statistic charts and according to that average Irish income is 32k/year

In my book that is a little more than 2.6k a month, leaving a significant deficit, though I also doubt that a great number of Irish inhabitants are anywhere near 32k annual income

Is the statistic all shite or is there a vast shadow economy which helps people to make ends meet?"

Is your wife a secret shopaholic lol ...there is no way the average family has 4k to pay out a month

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

Mortgages rent and childcare. That's where most people's money is going.

Some of my friends have mortgages of €1600 as they bought stupid price houses when the economy was good. Childcare for 1 kid is around 1000 a month depending where you live. Diesel / petrol, insurance, tax, shopping, electricity, heat, Internet, phone, bins, loans etc. It's all adds up.

And to top that some people have no idea how to manage money and don't shop around for better offers too. Sometimes I feel like all I'm doing is paying money to people.

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By *ir1967 OP   Man
over a year ago

in da sticks, london, amsterdam, madrid

[Removed by poster at 16/07/16 18:22:01]

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By *ir1967 OP   Man
over a year ago

in da sticks, london, amsterdam, madrid

I see

From the replies I conclude that average income in Ireland is not 4 k per month but bills for an average family can mount up to 4K/month. Hence many families must struggle with severe deficits.

Though 2015 GDP has been grown by staggering 26% I assume that this has hardly trickled down the line to Irish workforce.

I remember when we made our first attempt to move to Ireland in 2004 I was on an annual salary of 62k and we aborted the move as we couldn't make ends meet and that was long before water charges, property taxes, universal whatever charges and all other charges born by austerity.

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By *oggoneMan
over a year ago

Derry

I always found the level of taxation both direct and indirect to be very high. And consumers get a really raw deal, everything costs more in the republic. Even after the currency difference was factored in, Tesco in the north was still cheaper than Tesco in the republic

Mobile phones and internet costs is another rip off sector.

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By *ord Willy McFuck-BucketMan
over a year ago

newcastle

I'm in the wrong job

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

Nah taxes should be taken off individually, I mean separately, from each salary not the 2 combined? Up to 38K it should be 20/23%, the net income for the 2 yearly salary combined should be at least 50k per year, still 4k bills a month?

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By *eandyou9697Couple
over a year ago

dublin

Ok, family with two kids here. No childcare costs, both parents work full-time. Monthly expenditure would be between 3.5 & 4 grand. We haven't had a holiday this year but we do have health insurance and life insurance. Sad to say that these two monthly bills are classed as a luxury

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

Its expensive for sure....when i was growing up more families could live on one wage...those days are gone for most...wages arent going up....i remember being told in fas in the early nineties...get a job for a few years doing this and when youre fully qualified youll get about 800 pound a week...pounds, when a can of was 35p in tesco...maybe 50p in a normal shop...still waiting

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By *ir1967 OP   Man
over a year ago

in da sticks, london, amsterdam, madrid


"

Is your wife a secret shopaholic lol ...there is no way the average family has 4k to pay out a month "

Actually she handles money very carefully.it is me buying her all the fancy dresses, handbags and jewelry ....but not in Ireland as it too expensive

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By *ir1967 OP   Man
over a year ago

in da sticks, london, amsterdam, madrid


"Ok, family with two kids here. No childcare costs, both parents work full-time. Monthly expenditure would be between 3.5 & 4 grand. We haven't had a holiday this year but we do have health insurance and life insurance. Sad to say that these two monthly bills are classed as a luxury "

Health insurance shouldn't be luxury in a developed country. Even the yanks have understood that in the meantime. However health insurance drains a lot on the monthly budget and as I do not have an employer contributing a share on it it is even more. I wouldn't mind it if at least you get appropriate service in return. But the condition of the HSE is known to everyone and should be subject to discussion in a different thread

Food prices are in average 15% higher then on the continent

Phone bills as someone mentioned are a total rip off. I travel a lot. Tried it with an Irish phone and ended up with a 750 phone bill. With my Dutch phone I pay only 240 amid lots of travel , data usage in Ireland etc

I think that consumers are poorly protected against overcharge by retailers due to lack of competition.

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


"Had budget discussions with the missus and she revealed to me that an average Irish household with 3kids faces monthly bills of approx 4k +

Upon my question how people cope with it she did show me some national statistic charts and according to that average Irish income is 32k/year

In my book that is a little more than 2.6k a month, leaving a significant deficit, though I also doubt that a great number of Irish inhabitants are anywhere near 32k annual income

Is the statistic all shite or is there a vast shadow economy which helps people to make ends meet?"

32k a year is nowhere near 2.6k per months. Net, its probably closer to 2k

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By *ir1967 OP   Man
over a year ago

in da sticks, london, amsterdam, madrid


"Had budget discussions with the missus and she revealed to me that an average Irish household with 3kids faces monthly bills of approx 4k +

Upon my question how people cope with it she did show me some national statistic charts and according to that average Irish income is 32k/year

In my book that is a little more than 2.6k a month, leaving a significant deficit, though I also doubt that a great number of Irish inhabitants are anywhere near 32k annual income

Is the statistic all shite or is there a vast shadow economy which helps people to make ends meet?

32k a year is nowhere near 2.6k per months. Net, its probably closer to 2k"

Hmm, yeah after tax you are probably right but that makes my deficit theory even worse

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

You shouldn't be discussing this openly.....if there's a Border poll, none of the Nordy's will vote for re-unification, facing those sort of bills!!!! lol

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By *ir1967 OP   Man
over a year ago

in da sticks, london, amsterdam, madrid


"You shouldn't be discussing this openly.....if there's a Border poll, none of the Nordy's will vote for re-unification, facing those sort of bills!!!! lol"

Oops, that is a good one.

But don't you worry, once Brexit has been processed in full, the North will be more than happy to skim some of the growth heading towards Ireland, e.g Shared service centers to have a foot in the EU, the European Banking Authority, EUR clearing data center which need to be on EU soil or would lose their license to offer device etc....but that is subject for another thread

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By *orn_ball11Man
over a year ago

Portrush

The country is in debt to the eye balls my friends... as sad as it but TRUE....

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By *j47Man
over a year ago

limerick

It's about to get worse with the increase in GDP we now have to pay a larger dividend to europe

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


"It's about to get worse with the increase in GDP we now have to pay a larger dividend to europe "

Meanwhile in the UK, they'll be getting a new school/hospital every week with the money they're saving (yeah, right).

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By *ir1967 OP   Man
over a year ago

in da sticks, london, amsterdam, madrid


"It's about to get worse with the increase in GDP we now have to pay a larger dividend to europe "

With all respect but this sounds a little like the Brexit populism s la Nigel Farage. The current state of affairs is not sourced by the EU but by greed of local bankers and developers as well as incompetence of local politicians and head of state by converting private debts into a national burden. The brown envelope culture Ireland has been plagued with prior to the crash and certainly to some extend even today should not be blamed on the EU. After all, the EU made a very significant contribution to lift Ireland from its long lasting poverty to wealth, though this wealth has not been shared fairly, but this again is rather a national issue than it is to be blamed on the EU

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By *j47Man
over a year ago

limerick


"It's about to get worse with the increase in GDP we now have to pay a larger dividend to europe

With all respect but this sounds a little like the Brexit populism s la Nigel Farage. The current state of affairs is not sourced by the EU but by greed of local bankers and developers as well as incompetence of local politicians and head of state by converting private debts into a national burden. The brown envelope culture Ireland has been plagued with prior to the crash and certainly to some extend even today should not be blamed on the EU. After all, the EU made a very significant contribution to lift Ireland from its long lasting poverty to wealth, though this wealth has not been shared fairly, but this again is rather a national issue than it is to be blamed on the EU"

Actually it's to do with the resent GDP figure of 26.5% released by the central statistics office which is bumped up by the transition of profits by out of state companies trough their Irish offices. In actual fact when these external companies are discounted the real GDP is about 5.5% which is a more realistic figure

Knowing u travel u may not have heard of the laughable figures produced by the CSO

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By *ir1967 OP   Man
over a year ago

in da sticks, london, amsterdam, madrid

[Removed by poster at 20/07/16 21:30:06]

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By *ir1967 OP   Man
over a year ago

in da sticks, london, amsterdam, madrid


"It's about to get worse with the increase in GDP we now have to pay a larger dividend to europe

With all respect but this sounds a little like the Brexit populism s la Nigel Farage. The current state of affairs is not sourced by the EU but by greed of local bankers and developers as well as incompetence of local politicians and head of state by converting private debts into a national burden. The brown envelope culture Ireland has been plagued with prior to the crash and certainly to some extend even today should not be blamed on the EU. After all, the EU made a very significant contribution to lift Ireland from its long lasting poverty to wealth, though this wealth has not been shared fairly, but this again is rather a national issue than it is to be blamed on the EU

Actually it's to do with the resent GDP figure of 26.5% released by the central statistics office which is bumped up by the transition of profits by out of state companies trough their Irish offices. In actual fact when these external companies are discounted the real GDP is about 5.5% which is a more realistic figure

Knowing u travel u may not have heard of the laughable figures produced by the CSO "

I am well ware of this figures as well as I am aware that the figure is blown up by balance Sheet values of mainly US companies investing into Irish established business to gain fiscal advantage. The true GDP output is significant lower , although still impressive. However considering the connected higher contribution to the EU as a dividend payout is what bugs me. Despite any popular opinion about EU bureaucrats and money being squandered for doubtful projects after all a vast amount of this funds return into EU projects e.g Irish infrastructure projects, support for the farming industry , projects in the North which helped to ease the Post trouble situation. And yes not every Irish EUR contributed to the EU funds returns to Ireland. Instead the EU funds routed to Ireland are enriched with contributions from Benelux, Germany, France and other net contributors.

I trust you did not have the intend to question the Benefit of Ireland's membership, but in a world of populists and political punters one should be very responsible not to feed the mantra mills of those mentioned with fuel.

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By *j47Man
over a year ago

limerick

Ur perception is correct I did not intend to dispute Ireland's benefit from membership but to highlight that we are now to pay more to the eourpean coffers due to the increased profits of companies that don't actually add the benefit of the Irish people. Trough direct employment wages and contributions to Irish communities trough the supply chain benefits that an actual company engaged in provision of services or goods we probably be better off than the 12% capital gains tax they pay on profits made overseas

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By *ir1967 OP   Man
over a year ago

in da sticks, london, amsterdam, madrid


"Ur perception is correct I did not intend to dispute Ireland's benefit from membership but to highlight that we are now to pay more to the eourpean coffers due to the increased profits of companies that don't actually add the benefit of the Irish people. Trough direct employment wages and contributions to Irish communities trough the supply chain benefits that an actual company engaged in provision of services or goods we probably be better off than the 12% capital gains tax they pay on profits made overseas

"

I hear you. Yes that is the auld problem where big private money takes the merits of the national fiscal regime which is resulting in a burden for the public. And if such activity does not create jobs as those companies try to realize synergy effects to maximize low taxed profits it gets perverse. I think for the benefit of the Irish tax regime a company should be obliged to create a minimum of additional jobs. For now they get away just sustaining the existing work force of the Irish company they inverted into.

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