Think he bought a house and became old, sensible and settled.
Single people on 30k plus who fumble around for loose change monthly are quite silly altogether. I know rent is expensive these days but a little budgeting is easy to do and far less head wrecking than worrying about where you’re going to find 3 euro for a Butlers coffee at the end of the month.
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Fuck me.
You could be on 80k and have serious outgoings and be scrambling with 100 euro at the end of the month,
It’s all relative pal.
The more you earn, the more you inevitably have going out on car loans, mortgages etc…that’s not to say your standard of life is poor.
Saving should be practiced from childhood…put it into an account that you can’t touch monthly and let it build up.
Easier said then done though.
Inevitable only if you have poor control of your finances. Most people are well off because they are good earners and good with their money
Consider saving as a bill.
Pay it the day you get paid.
Don’t try to save what you have left over, or you’ll never save anything.
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Agree totally, but people with massive mortgages in Dublin might not necessarily,
The higher taxation rate of 49% at 33,800 in this country along with everything else isn’t helpful though.
We’re been ripped off with car and health insurance…our interest rates on loans/mortgages are at least double that of the Germans.
Hard to live cheaply in Dublin but that wasn’t your original point which was that lifestyle increases with income. Which is a choice. driven by nagging women in a lot of cases
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Yeah. Flip side of that you don’t pay your mortgage in Germany you would be out of your house fairly lively. You’d get the guts of a decade here before you’d need to pack up if you made any bit of an effort
Worst still you could be paying 2 women.
Head for Australia I’d say
Not myself personally pal, but it happens.
I’d manage 80k not a bother 
…
Nah that’s just people being shit with money.
Fair enough if you have a family but people are terrible with money these days.
Lots of people are shocked when they are out of money at the end of the month. That’s often after daily take away coffees, lunch out daily, going out loads early in the month, taking a holiday, running a car, paying for all those 10 euro subscriptions they have online…most of those things are luxuries.
It is all relative though unless you’re on savage money…I do agree a lot of people are terrible with money…myself included at times.
Your disposable income takes a fair hit though when you’re married and have kids.
30k as you referenced earlier maybe okay single…but I’d personally be goosed on that wage.
Still living with the Mammy, Tim?
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Spender.
Done all that lark with putting savings in a place you can’t touch them but finding I have to raid them every few months for ‘emergencies’
At my stage in life it’s all about paying down debt
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Way better option than saving with low savings rates
Absolutely.
I reached that conclusion a couple of years ago, while i always have been a pretty good saver, i decided you may as well be enjoying something and paying if off instead of saving for it and not having anything.
Mortage free is the way to be.
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