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Robin Ann Richardson

Readers' Panel: Separated mother-of-four

Budget 2012 has seen cuts to child benefit for third and fourth children, changes to motor tax, and changes to the Universal Social Charge.

Robin Ann Richardson, 47, is a separated mother-of-four who lives with her children in Kinvarra, Co Galway and works part-time. Before the budget, she expressed her concern about further cuts to child benefit and increased motor taxes.

My initial thoughts are that with the changes in child benefit I am immediately going to lose about €40 in child benefit per month and then when they standardise it in 2013 I am going to be down about €200 per month. So that’s a big drop.

By that time I will have one in college and with registration fees going up there’s going to be another expense. Then there are other things like the household charge and VAT is going up which is obviously going to affect me in terms of almost everyday spend.

The carbon taxes will affect me also and I have a 13-year-old car so my motor tax is probably going to go up. As it’s an old car and I already pay €700 in car tax, I think it’s going to go up to over a thousand a year and it eats petrol so that’s an added expense. I can’t afford to change it because nobody will give me a car loan.

The mortgage relief changes don’t apply to me as I remortgaged at height of boom so I don’t think we’re going to qualify. A lot of people I know are in that situation and it won’t make a difference to me or them at all.

I guess what strikes me is that my mortgage interest rate may drop by as much as 0.5 per cent later in the week as I am on a tracker but that will be down to the European Central Bank and not anything done here by the government. That’s ironic and I guess an argument for Ireland staying in the euro.

The changes to the Universal Social Charge might help me and that may be another €20 into my hand every month. But then there’s the money they’re taking out of the health budget which will probably mean the cost of health insurance premiums will go up and I really don’t want to have to give up my insurance.

I think the government is trying to be fair. I get tired of people saying they’re hitting the most vulnerable. I don’t necessarily see the evidence that that’s true. I think the vulnerable have come out better than the middle-class but that’s the fear among the middle-class that you will fall out of that bracket.

Budget 2012 (pt 1): The main points of Brendan Howlin’s announcement>

Budget Day (pt 2) – the main points from Michael Noonan’s announcement >

In full: Michael Noonan’s Budget speech to the Dáil >

In full: TheJournal.ie‘s full coverage of Budget 2012

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    Mute Kevin D'Arcy
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    Aug 15th 2013, 8:45 PM

    The passenger that will potentially affected is said to be very worried

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    Mute Parmenides
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    Aug 15th 2013, 8:49 PM

    Sources have just confirmed he will instead drive the 2:30 mins from Cork to Dublin and, to ensure he arrives on time for his meeting, will leave his house 15 minutes earlier then originally planned.

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    Mute wiklagirl
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    Aug 15th 2013, 8:54 PM

    Or possibly a train … seeing as no airliine has operated the Cork/Dublin route for years

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    Mute The Green Monkey
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    Aug 15th 2013, 9:12 PM

    There is a flight from Dublin to Cork but it flys via Berlin ;)

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    Mute John Quill
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    Aug 15th 2013, 9:19 PM

    I hear Ryanair fly Dublin-Dundalk to Cork-Dungarvan.

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    Mute Ciaran McMahon
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    Aug 15th 2013, 10:18 PM

    Well it’s a bit of a problem if you’re trying to get the UK. For example from Cork flights to places like Bristol and Manchester are operated by Aer Arann

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    Mute Parmenides
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    Aug 15th 2013, 8:41 PM

    Let them strike. A bus is cheaper and, once security etc. are taken into account, nearly as quick.

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    Mute wiklagirl
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    Aug 15th 2013, 8:48 PM

    Aer Arann operate the majority of the Aer Lingus UK regional routes. A long wait for the next bus …

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    Mute Parmenides
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    Aug 15th 2013, 8:50 PM

    “The strike, if it goes ahead, will affect Aer Arran flights and regional flights operated on behalf of Aer Lingus.” – The word INTERNATIONAL is not there.

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    Mute wiklagirl
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    Aug 15th 2013, 8:56 PM

    Aer Lingus don’t operate any DOMESTIC Irish routes

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    Mute The Green Monkey
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    Aug 15th 2013, 9:10 PM

    Is Eileen Dunne from R.T.E. doing anyone else’s head in with her “Aer Ooran”

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    Mute Kieran Behan
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    Aug 16th 2013, 12:14 AM

    Aer lingus regional flights operated by Aer arann primarily go to the UK, I should know, supposed to be heading to Edinburgh on one next Tuesday!!!

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    Mute David Grealy
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    Aug 16th 2013, 7:59 AM

    Yes. The only domestic flight they operate is from Dublin to Kerry. They’re not really a ‘regional’ airline at all.

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    Mute mike cleary
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    Aug 15th 2013, 9:28 PM

    I will buy a hat and eat it if they strike. Most of them paid Arran 17000 to start work there. If they strike they will get fired and thus lose the ability to payback their loan.

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    Mute A$AP Donie
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    Aug 15th 2013, 11:07 PM

    This isn’t even news?

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    Mute The Green Baxter
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    Aug 15th 2013, 11:13 PM

    Has anyone really been far even as decided to use even go want to do look more like?

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    Mute Alan Little
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    Aug 16th 2013, 12:46 AM

    Couldnt agree more Mr Green Baxter.

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    Mute Paul Lanigan
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    Aug 15th 2013, 9:58 PM

    Strike away and see if anyone cares

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    Mute Catherine Sims
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    Aug 15th 2013, 11:00 PM

    Ah good , was loosing sleep over this. They are talking at least. Might be able to grab a nap at least

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    Mute Joseph Siddall
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    Aug 15th 2013, 10:34 PM

    And here’s me thinking Ryanair were the bad boys of Irish aviation.

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    Mute fergalreid
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    Aug 15th 2013, 8:57 PM

    Is this going to affect *anyone*?

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    Mute Kieran Behan
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    Aug 16th 2013, 12:16 AM

    Me

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