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WELCOME TO HOW I Spend My Money, a series on TheJournal.ie that runs on Wednesdays and Sundays and looks at what people in Ireland really do with their cash.
We’re asking readers to keep a record of how much they earn, how much they save, if anything, and what they spend their money on over the course of one week. Want to take part? Details on how to do it are at the bottom of the piece.
Each money diary is submitted by readers just like you. When reading and commenting, bear in mind that their situation will not be relatable for everyone, it is simply an account of a week in their shoes.
At the weekend, an engineer in Kildare on €70,000 wrote about everything from kids’ costs to his desire to leave the country. This time out, a marketing manager in Dublin talks about his daily spending and plans to move home next year.
Occupation: Marketing manager
Age: 28
Location: Dublin
Salary: €40,000
Monthly pay (net): €2,514 (after €98 going towards ‘bike to work’ scheme)
Monthly expenses
Rent: €850
Household bills: Included in rent (jammy!)
Transport: €200
Phone bill: €60
Health insurance: Paid by my employers
Groceries: €80
Gym membership: €30
Subscriptions: €28 (current affairs magazine, Netflix)
Donations: Concern (€10)
Savings: €1,000
My girlfriend and I have recently decided to save for our first home. We rent together in Dublin and pay €1,700 between us, but we’re moving back to my mum’s house at the end of our lease in early 2019. We’ll pay her roughly €100 each per month when we do move in with her, so €200 a month in total.
So we’ll cover some rent and general costs, but moving back will put us in a position to save a lot more than we would if we kept renting! I save about €1,000 per month now, but I’m hoping to up it to about €1,200 per month if I get my salary increased to €42,000 later this year. Our aim is to save about €2,000 per month between us – more if possible, of course.
***
I get up early at 5:50am and head to the gym. I’m always too lazy to go after work and it’s a nice start to the day. I start with a smoothie made from porridge oats, milk, banana and protein powder.
Everything except the protein (which costs me about €5 a month) is bought in Lidl during our weekly shop, which is normally €40 between us each week. The fruit I used this morning would have cost about €1.45 all in. Lunch is a ham and lettuce sandwich on Hovis Granary bread, also from Lidl.
I start work at 8:00am and finish at 4:30pm, so I get hungry at weird times. My employers provide free fruit – so snacks are healthy and free – which is a plus! Dinner is homemade pizza on pre-made pizza bases. That roughly cost us €7.50 in the weekly shop.
I’m into bed by 10:00pm for a bit of reading before it’s time for lights out.
Today’s total: €0
Slightly earlier start at 5:30am this morning so I can have a longer session in the gym. I’m newish to it – I jog one day and weight lift the other.
Breakfast is the same bunch of bland coloured things blended into a purely functional beverage. After the gym, I skip home full of energy and head to work on my bike that I’m gradually paying for via the ‘bike to work’ scheme. I’m still paying €98 per month, and it’ll be done by June next year.
Lunch today is a ham and Swiss cheese roll – ingredients cost me about €5. I’m hungry basically all day after the morning’s exertion.
Dinner is a Lidl recipe we came across on TheJournal.ie for sticky rice with veg and a fried egg. It’s super cheap and makes you wish you’d made enough for seconds. The bits and pieces for that meal would come to about €4 in our weekly shop, which is ideal.
I listen to an hour and a half of our favourite podcasts in the evening – a bit of The End of the World and Serial season three – before hitting the bed. I also listen to Getting Curious with Jonathan Van Ness because he’s a bit wild/eccentric, but a total genius.
Today’s total: €0
I’m up at 7:00am. No gym today. I’m taking the morning off to prevent burnout. I have breakfast in work, so it costs nothing. Lunch today is the same as last night’s dinner – I made an extra portion specifically for this.
We go grocery shopping after work (great craic!). It comes to €44 today (so €22 each). We try to do it on Tuesdays, but we also try to use up everything in the fridge before refilling it. So occasionally we have to go on a Monday or a Wednesday.
Say what you like, but the weekends are not made for grocery shopping – no thank you! Groceries usually cost us about €40 per week, but we had to replace some cleaning products, so it was a little higher this time.
Dinner was homemade pizzas again because we weren’t feeling very creative after a day of work and shopping.
Today’s total: €22
Up at 6:30am, so straight to work. I had the usual €1.45 breakfast – purely out of convenience – and brought a packed lunch with me.
The packed lunches are probably the main way I save money every day. Buying a lunch every day would really rack up the costs. Overall, I spend about €8 per week on lunch, whereas you could easily spend that much each day in some places in town. So it’s quite a difference in the long run!
We have pasta for dinner, with a tomato and veg-laden sauce. My other half is a vegetarian so I rarely have meat for dinner unless I make something specifically for myself. And it’s the main reason our weekly shop is so cheap.
Today’s total: €0
Quick run on the treadmill at 6:00am before work and I have the usual breakfast. I’ve got a packed lunch again to save a few quid.
I get the Dart back to my mum’s house after work and had to throw €20 onto my Leap card. I bought us an Indian for dinner, which came to €27. Then I headed out for drinks with a few friends and spent about €25. It really feels like a lot when you list it out like this!
Today’s total: €72
I let myself have a hard-earned lie on until 11:00am this morning! Then it’s toast for breakfast – Sean’s Bread from SuperValu kindly bought by my mum.
I was having dinner on my own, so I bought a Cully & Sully cottage pie for €5. I threw in a couple of beers and some wine for the evening on top of it. All in all, it came to €30. Originally myself and my girlfriend planned to go to the pub, but we changed our minds at the last minute. That’s why we could justify buying the slightly more expensive wine and beer.
Today’s total: €30
Another lie-on this morning – this time until 12:30pm. We’ve got hazy heads after the night before.
Homemade scrambled eggs on brown bread for brunch – with buckets of tea – are on the menu. Again, these breakfast bits are courtesy of the mother, so no cost there.
We headed back to Dublin in the late afternoon and had a Boojum for dinner, which set us back about €16 (so €8 each). I booked cinema tickets (€20) for tomorrow in Dundrum using their €10 Monday deal.
Today’s total: €28
What I’ve learned:
Are you a spender, a saver or a splurger? We’re looking for readers who will keep a money diary for a week. If you’re interested send a mail to money@thejournal.ie.
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Any chance of an update on concerned citizen millionaire banker brother of FG TD who you claimed yesterday was a non political small business owner? No didn’t think so.
Good aul Hugh deleted my comment yesterday as I outed him. Good man Hugh.
*yawn*
Neal what’s yawn about this story, it was plastered all over the media yesterday that’s he was a small business man who was apolitical. He was lying about both these issues, he was the CEO for a banking fund and he is the brother of ex FG TD, Seymour Crawford.
Nothing yawn about it. Downright deceitful!!
I am outraged!
Can we have additional reporting done on your article regarding Mary Lou and this concerned citizen from yeaterday please. This is what you need to be covering not some elitist boarding school in the US.
Exactly.
What we need is a witch hunt against the private citizen who dared to criticise SF.
We need to know his name, his family history, his occupation and as many details of his personal life as possible.
We need to show people that dissent will not be tolerated.
We need to print his name as often as possible to try to intimidate others into silence.
WE NEED TO SHOW – IN CAPS LOCK – THAT WE ARE A BUNCH OF SCREAMING WHINGING BABIES WHO ARE CHRONICALLY INCAPABLE OF RESPONDING TO CRITICISM WITHOUT ASSASSINATING THE CHARACTER OF THE PERSON CRITICISING OUR POLICIES.
That’ll show ‘em.
Calm down ffs you will give yourself an ulcer. Politics is a dirty game and this was up there in the top five but SF are no strangers to doing the odd dirty trick.
A private citizen expressing an opinion publicly is not a dirty trick, Donna.
Printing his name, occupation, background and – most disgustingly – family details online IS a dirty trick.
It sends a very clear message of intimidation. “Dare to criticise us, and our fanatics will expose you”.
Shameful.
Are you saying he just happened to be walking by at that time? Did he not seek her out to confront her? Is he a FG supporter? Connected to FG?
I’ve no idea, Donna.
He could be the worst ***** in all of Christendom for all I know.
But what I do know is shooting the messenger, playing the man and not the ball and refusing to engage in any discussions or debates with someone who disagrees with you paints SF supporters in a very bad light.
Ad hominem attacks make SF supporters look like whinging toddlers.
Why not point out where he was wrong?
Try to convince us where his argument was weak?
Show us that there is a better way?
Spot on Brinster. A knee-capping will be next.
Don’t get me wrong I wouldn’t vote SF no matter what they promised. Your man was a bit of a knobend. Mary loo is like Adams all talk and nothing else just the same old mantra.
Btinster , do you really think that Hugh would report the truth , that Concerned Citizen is actually Concerned Hedgefund Manager and FG TD’s brother ? It’s above his (FG) pay grade.
two weeks in a row, I won’t get my head out the door
3 in a row and you qualify to write articles on here.
Lucinda Creighton will be watching you next week. Locked up for life if you get three!
a whole article, now I’m really going to try
Richard , it’s a trick to quiten you down.They did the same to Captain Adebayor , haven’t heard from him since. Time to change your moniker from Richard Cynical to Richard Compliant.
Ah Captain A had some great comments , very witty .
That “concerned citizen” was a dirty trick by fg,labour. They will pay for it in GE.
Yeah – and hijacking every other story because someone dared to criticise Mary Lou doesn’t make you look like a whinging, screaming toddler at all.
Maybe you could try to defend the policies, rather than attack the messenger?
His Brown Thomas leather gloves and blue scarf kind of gave it away for me.
Id like to see the journo covering that fake FG supporter who went on the attack at Mary Lou ….come on Hugh
I will not be voting FG after that episode yesterday. If you can’t get votes fairly then you don’t deserve them.
If he was a plant,it’s another own goal by FG..but in fairness to ML..she engaged with him once he said he wasn’t a journalist..
Mary Lou engaged and fair play to her. It’s the SF activists who screamed blue must and immediately started the witch hunt that I have the issue with. Demanding to know who he was, what’s his family history, publishing his name for dating to speak his mind. Whinging toddlers the lot of them.
The shinnerbots don’t like it up ‘em! Been a bad few days on the campaign trail, Jorry making a fool of himself with Sean Duignan….sounds like an email went out from IRA HQ this morning saying “Attack every comments board you can find”. It’s actually very funny to see.
I notice Eugene hasn’t commented so he must be still sleeping off his hangover !
have your say