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How I Spend My Money A 29-year-old engineer on €42,000 getting ready for Christmas

The Dublin engineer is trying to curb spending at Christmas as she saves for a mortgage.

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’ve asked 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. 

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. 

You can read all the previous diaries here. Today, a 29-year-old engineer on €42,000 walks us through her week earlier this month as she saves for a mortgage and gets ready for Christmas. 

image I’m currently renting in a house share in Dublin with my boyfriend, our dog and a housemate. We're saving for a house and hope to buy in the next year or two.

I save a set amount every month via a direct debit and should have plenty of disposable income left over but seem to struggle at the end of every month due to weddings, vet fees and too much alcohol, probably.

Occupation: Engineer
Age: 29
Location: Dublin
Salary: €42,000
Monthly pay (net): €2,619

Monthly expenses

Transport: €30 (I cycle to work but this covers the odd bus/Luas journey and my small share of car insurance as a named driver on my boyfriend’s car)
Rent: €540
Household bills: €70
Phone bill: paid for by work
Health insurance: None
Groceries: €100 (my half of groceries split with boyfriend)
Pet costs: €40 (my half of food and pet insurance)
Student loan repayment: (Masters and a further post-graduate course): €220
Savings (direct debit): €400
Podcast subscription: €5

***

Monday

10:00am: Today wasn’t a normal Monday as I was away for the weekend with my boyfriend in the west of Ireland. We get up and pack our stuff, leaving the holiday home around 12 noon to drive back to Dublin.

1:00pm: We stop to visit a friend who lives in the west for lunch on the way home.

4:00pm: After another hour or so, we stop again in the trusty Barack Obama Plaza to break the journey. I get a coffee (in my travel mug) and chocolate bar for €3.80.

8:00pm: We pick our dog up from the boarding place that evening when we get back. It costs €95 for three nights which we split so my share comes to €47.50.

9:00pm: We cave and get a takeaway when we get home (€15 each including a tip for the delivery driver). I walk to Lidl to pick up groceries for the week while we wait for the takeaway. The groceries come to €33. I usually try to buy all my fruit and veg loose in our local greengrocer but they were closed at this time so I buy as much loose produce in Lidl as I can. I owe my boyfriend for petrol from the trip, which was €15 each (there were four of us on the trip) so we call it even for the groceries I bought.

11:00pm: After a lovely takeaway, we chill out on the sofa with the dog and then head to bed.

Today's total: €99.30

Tuesday

7:30am: I get up at and get ready for work. I make my lunch and grab some porridge before cycling to work.

8:30am: I'm in work and I make a cup of coffee before starting for the day.

11:00am: I have a banana from the free fruit supply in the office and make another cup of coffee. 

1:00pm: It's lunch time and I have the sandwich and salad I brought in. I'm back at my desk for 1:30pm.

3:00pm: I have a few biscuits from the office stash for a sugar boost along with a cup of tea and then get back to work for the evening.

6:10pm: Work is done for the day and I cycle home for 6:30pm. I love being able to cycle to work and really enjoy the 20-minutes of exercise every morning and evening.

6:45pm: I bring the dog for a walk for 45 minutes when I get home.

7:30pm: My boyfriend is out to meet a friend for a few drinks this evening so I make a big batch of veggie curry for dinner and soup for lunch for the rest of the week with groceries bought from yesterday. 

9:30pm: By the time the dishes are washed and everything is done, I chill on the couch with the dog and decide to do the first of my Christmas shopping online. I find a lovely independent shop on Etsy and buy small gifts for three people  for €48.

11:00pm: My boyfriend comes home and I chat to him for a while before heading to bed around 11:30pm.

Today's total: €48

Wednesday

8:00am: My alarm goes off and I get up and get ready for work. I make some lunch and have breakfast and I'm out the door by 8:40am.

9:00am: I'm visiting a work site this morning so I cycle the 20 minutes along a nice scenic route and it's a lovely morning so I really enjoy the spin. 

12:30am: I finish my site visit and have a banana that I’d brought with me before cycling back to the office.

1:00pm: I get back to the office and heat up the soup I made for lunch, which I have along with a sandwich I brought in. I make a coffee and take it back to my desk to work for the afternoon.

4:00pm: I have more biscuits from the office supply with a cup of tea.

5:45pm: I pack up and head home on my bike.

6:30pm: Once I'm home, I bring the dog for a walk (my boyfriend has brought him out in the morning for the past two days) and phone an acquaintance who is helping me to organise an event for the charity I’m involved in.

7:15pm: I get home and my boyfriend is home before me and has made rice to go along with the leftover curry from yesterday. He has eaten and heads off to play astro with his friends. I eat dinner and do some housework, partly because the house needs it but also as I am expecting my mother to call in!

9:00pm: I finally make a cup of tea and sit down, and even though my mam phoned to say she couldn’t make it after all, it feels good to have a clean house. I do some more online shopping for Christmas presents, I felt inspired after last night’s success. My boyfriend watches TV beside me on the couch.

11:30pm: After futile browsing and racking my brains trying to think of what to get certain people, I only buy two gifts, again from small Irish companies (€49.50) and some arts and crafts supplies for myself to make some decorations for Christmas (€11.50). I close the laptop and head to bed.

Today's total: €61

Thursday

7:30am: I am on the morning shift today so I get up and bring the dog for a walk.

8:30am: I get organised, eat breakfast and grab lunch from the fridge.

9:00am: I leave for work on my bike and stop into a pet shop (first customer of the day!) to buy poo bags (the glamour) and a flashing light for the dog (€11).

9:30am: I make a coffee in work when I get in around 9:30am. Our office has flexible start time which is very handy.

11:30am: I have a banana from the free office fruit pile to get me through until lunch.

1:00pm: I wolf down lunch at my desk (the last of the curry from Tuesday night with rice from last night) before going to a shop near my office to pick up Christmas cards. I buy a gift for a friend too, flying through the Christmas shopping this week! (€22).

6:00pm: I leave work and I'm home by 6:30pm. 

6:45pm: I bring the dog for a walk again while my boyfriend makes veggie lasagne for dinner. We are not vegetarians but try to only buy good quality Irish meat once or twice a week from our local butcher. My boyfriend is the better cook so he does more of the cooking.

8:30pm: My parents call in to drop something off and catch up. I make my mam a G&T and a cup of tea for my Dad (the driver) and I have a bottle of beer. They leave around 10:00pm.

11:00pm: I waste time on my phone for a while before heading to bed.

Today's total: €33 

Friday

7:30am: I get up and bring the dog for a run. I usually try to go running with him twice or three times a week but I've been lazy for the past few weeks as cold wet mornings are not enticing for running.

8:15am: I get showered, make lunch, eat porridge and get out the door by 8:45am.

9:00am: I make some coffee and get started on work for the day. 

11:00am: I have a banana from the office supply (yes, I’m a creature of habit).

1:00pm: For lunch I eat the last of the soup from Tuesday evening with a sandwich I made at home. 

5:30pm: I leave work for the weekend and get home for

6:00pm. We eat leftover lasagne for dinner and my boyfriend walks the dog. 

7:00pm: We get the Luas into town (€2.40) and meet friends for a few pints. The four of us buy a round each and we're all on Guinness so it works out as €20.80 each. 

11:30pm: We have a quiet one and get the Luas home (€2.40). I eat some toast before bed.

Today's total: €25.60

Saturday

9:00am: I'm woken by the dog downstairs so get up and chill out on the couch with him with a cup of tea.

11:00am: My boyfriend and I head out and bring the dog for a long walk together. We stop on the way back in a lovely local cafe for coffee and a sandwich (€7.50). 

2:00pm: We get home and I do a few hours of housework and some work on the laptop for the charity I'm involved with.

5:00pm: I run to the grocery shop and butcher around the corner and buy a few things for dinner and for the week (my half comes to €16.20). My boyfriend makes meatballs for dinner which are delicious. 

8:00pm: I cycle to a friend’s house to catch up with a few friends. Some people are driving and others are hungover from yesterday so we just have tea and biscuits and catch up, it’s been a while since we all met up last.

10:30pm: I get home and my boyfriend is still out with his friends, after going out to watch a football match with them earlier. I read my book for a while before heading to bed at  midnight. 

Today's total: €23.70

Sunday

10:30am: My boyfriend got up earlier to let the dog out so I have a lie-in today. I have muesli and tea for breakfast and we lounge around listening to music for a few hours.

1:00pm: I head out in the car to buy a Christmas tree. I buy one for €45 (€22.50 each) and put €40 petrol into the car while I'm out (my boyfriend and I take turns filling up the car, we don’t keep track but it usually balances out). I get back and spend the afternoon decorating the tree and tidying the house.

5:00pm: We head to my boyfriend's parents' house for a lovely dinner.

9:00pm: We get home and spend the rest of the night watching a film before bed.

Today's total: €62.50

Weekly subtotal: €353.10 

***

What I learned:

  • I'm quite good at sticking to a routine of making healthy meals and bringing my lunch during the week. I could have had a few no-spend days this week if it wasn't December/Christmas time, which significantly increased my spending this week.
  • We could both probably do with having less pints and fancy coffee but life is short, and we enjoy our lifestyle while we have no other responsibilities.
  • I spend a lot using my card and should probably take out cash more, if my bank statements are going to be scrutinised when I go for a mortgage next year. 

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20 Comments
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    Mute Cormac Laffan
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    Aug 15th 2011, 4:25 PM

    Madness! Life saving services should be the last to get cut. I’d rather see TD’s on 52 grand a year(1000 euro a week with no expenses is still too much). There is still too much fat to be trimmed before cutting what is really needed. What idiots are coming up with this rubbish!

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    Mute Lauren Adams
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    Aug 15th 2011, 4:24 PM

    I think this would be terrible. The fire brigade do such a good job, if they have no overtime then the incentive to do extra shifts is lost leaving them short staffed most of the time. This could possibly result in fires not being attended to or worse, lives could be lost.

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    Mute Barry
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    Aug 15th 2011, 5:42 PM

    Agreed,
    If they aren’t going to pay them overtime how are they going to fill the needed hours?

    Are they going to guilt trip them into it? "lives could be lost if you don’t do the late shift tonight"

    There’s plenty of other places costs could be cut before these guys/girls.

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    Mute Donal Brennan
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    Aug 15th 2011, 9:03 PM

    @ Ray Boyse. In DFB we have met with EVERY concession that has been asked of us. We have already reduced manning levels on certain appliances and in other roles. Our training centre which is now being closed, has been run with a skeleton staff for months now. Training had more or less ceased anyway as essential upskilling and refresher courses had been cancelled or postponed. People have given out about benchmarking and pay increases over the years, which in fact only really mirrored the rate of inflation. In return we upskilled regularly (in that I mean we are delivering more primary care through the use of different medications on the ambulance, using new and more effective equipment) and we are also delivering more services on the Fire & Rescue side of things. Since then we have received what amounts to more than a 20% pay cut yet we are still expected to deliver the same service. You may argue that we are lucky to have a job but a job in the Emergency Services should be seen as a job for life. We didn’t benefit greatly from the Celtic Tiger, we didn’t get bonuses, our pay increases simply matched inflation and anyway in that time we all upskilled. We work nights, weekends, bank holidays, Christmas and New Year, we get abuse, verbal and physical and we are prepared to put our lives on he line to protect life and limb. In return for that we expect to be modestly remunerated and not vilified for taking a job that is secure. Our budgets have already been cut substantially and the reason that the service has remained the same is because WE HAVE MADE IT WORK. We are constantly making suggestions to make the service better value. There is no actual logical mathematical calculation in reducing our budgets, it is simply a blunt initiative simply because money has to be saved.

    54
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    Mute Donal Brennan
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    Aug 15th 2011, 5:55 PM

    A sobering thought for you all. Firefighter deaths in the UK Fire Service were ZERO for the years 1996 to 2002. Following cutbacks in their service this figure increased to THIRTEEN for the years 2003 to 2007. Not to mention the risks it will pose to the general public and their property. These cuts will end up COSTING more money, not saving it.

    43
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    Mute Paul Hand
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    Aug 15th 2011, 5:48 PM

    Minister have 7.5 million in expences last year the fire service short fall this year 1.4. Next year is 4.4 million. That is still less than ministers expenses. One man one vote mister kenny one one term

    35
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    Mute Ray Ryan
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    Aug 15th 2011, 8:17 PM

    agree wiyh you paul – just as bad in retained stations – callouts are being screened, refresher courses at a standtill, this years income barely on par with 2001 levels. You will find that many firefighters with long service will retire and will not be replaced – leaving stations understaffed and no experienced personel

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    Mute Terry Dore
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    Aug 15th 2011, 10:26 PM

    Within the ranks of Dublin Fire Brigade, there are numerous staff with a host of 3rd level degrees and qualifications. We provide the services within our working day for more than money. The provision of Fire and Emergency ambulance services in Dublin is second to none in Europe. The proposed cuts will effect only one group of people, namely, you, the public. Various proposals have been put to management within Dublin Fire Brigade and Dublin city council. They have been largely ignored, leaving us where we are today, on the verge of a reduction in the services we provide to you, the public. Overtime is there to facilitate sick or injured Firefighters, Paramedics, and advanced paramedics within the service. If there is no overtime, there is no staff to cover illness, injuries and unforseen leave that happens in all employment, especially one as stressfull and phyically demanding as this. If we have no overtime to cover this leave then Fire appliances and ambulances will be withdrawn from service as there will be no staff to crew them. In Germany the fire service is partially funded by the insurance industry. We do after all limit their liability with regard to payout, as we save the property they insure. In every county in the Irish Republic the local authority charge all users of the fire service for services rendered. This charge is taken from house insurance, car insurance etc. which you pay for. In Dublin Business are charged for call outs. If the city council refuses to charge for services, how can they pay the people that provide those services?? They are after all business people. The members of Dublin Fire Brigade do not regared what we do as a business, we regard it as a necessity. Our business is looking after people. Who looks after us and our families? There is a ban on recruitment within our service. Training of Firefighter/Paramedics in Dublin can be achieved in 2 years, however it takes years of experience to make a multi functional individual in this service of true value. Experience is haemorrhaging from the ranks as members retire, and these have not been replaced. As public servants allow us to do our job to the best of our ability, after all, we serve you.

    31
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    Mute Ryan Murphy
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    Aug 15th 2011, 7:17 PM

    Why is it always frontline services that get hammered?

    29
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    Mute Gareth Pierce
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    Aug 15th 2011, 9:39 PM

    @ Ray Boyse.
    Can you honestly justify the wastage that exists at government level, the endless billions being pumped into the black hole that is the the banking sector and actually agree with a cut in funding of front line emergency budgets ?We’ve already saved 3.5 million through CPA, remember our staff level is only 900. This is a sad fact but people only ever realise what or how much we do when they need us. We’re not looking for superstar status or bonuses or anything like that, all we ask is for proper recognition of the work we do, some respect and a somewhat decent living, surely we’re entitled to the above considering the daily risk we take and the sacrifice of family time that comes with working nights/weekends/holidays etc etc. We were promised ‘ring fencing’ of emergency budgets, it hasn’t happened. Millions would be saved if they nationalised the whole service, as numerous reports have recommended but they won’t because it will massively reduce the amount of senior management. As Mr Brennan already states we make an unworkable system work ! If your not convinced or anyone else out there needs convincing, come join us for a night of two or a weekend. You’ll soon realise, the system that we do make work is a very delicate one at that…take care.

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    Mute Rory Prevett
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    Aug 15th 2011, 9:42 PM

    Well said Donal…. Put in such a way that sums up emergency service workers’ reasonings and mind set…. And hopefully any open minded private sector or politician reading it will empathise

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    Mute Tony O Donnell
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    Aug 15th 2011, 10:41 PM

    God bless all the front line civil servants. You do a great job. Thank you all.

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    Mute Leon Rafferty
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    Aug 15th 2011, 9:25 PM

    Ive Read all comments Donal .. Fair play , well written ..it’s  Unfortunate that a lot of the public buy into government/ media propaganda , without realising these cuts will severely effect them , the taxpayer  !! 

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    Mute Paul Hand
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    Aug 15th 2011, 5:49 PM

    Minister have 7.5 million in expences last year the fire service short fall this year 1.4. Next year is 4.4 million. That is still less than ministers expenses. One man one vote mister kenny one term

    12
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    Mute Bonnie Brady
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    Aug 15th 2011, 8:42 PM

    if we had anything like the riots in Uk we’d be in serious trouble. What about those 70 days a year some public servants were looking for to prepare for retirement. Couldn’t they be donated for the betterment of our country. When will we all realise we are all one?

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    Mute Melanie Forde Fitzpatrick
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    Aug 16th 2011, 1:46 AM

    seems to me, like the majority of public sector organisations, DFB is top heavy, Too many chiefs and not enough indians. The Firefighters are getting it in the neck at the moment and it’s only set to get worse. If only people could see the real conditions faced daily, and I’m not talking about the job itself I’m talking about the lack of support and respect given to the DFB frontline. The waste ALL happens way up the line, decisions made by people who have no real experiance or understaning of what is required but refuse to ask those who do. a managment system that ridicules it’s workforce for their, hard earned, annual leave while same managment have double this time!
    come on people, wake up and smell the coffee, it’s only propaganda that the frontline have it easy. that’s what they want you to believe, it takes the heat and distracts from the fact that the top end of the public sector is still milking the last few Euro while they still can, and yet this is where the least amount of change has occured.
    I reckon it’s gonna take some sort of disaster to show how mismanaged the fire services and hospitals are, then the public will be up in arms about ‘how was this allowed to happen?’ well the answer is because you allowed it to happen!
    they’ve done all the tests, they know what needs to be done but they refuse to do it!

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    Mute Ray Boyse
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    Aug 15th 2011, 8:32 PM

    I agree with everything above. But wouldn’t it be great if the DFB or SIPTU could come up with some solutions rather than drawing lines in the sand. Budgets are there for a reason – when they’re overrun, the taxpayer pays. What has the Croke park agreement delivered here? Are there opportunities? Maybe not, but it would be great to see a balanced assessment & some constructive ideas. We need our fire brigade. We need to reduce the budget deficit..

    7
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    Mute Brian Walsh
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    Aug 16th 2011, 10:05 AM

    I couldn’t agree more or have said it better than most of the previous comments, sadly this is the same all through the Public Service, many of the public believe the lies they’re fed by the media and politicians that everyone is earning almost a grand a week (nowhere near it, unfortunately) and we do sweet damn all work (try it and see for yourself). All we ever hear is “benchmarking” but, as Donal explained wonderfully, the whole purpose of benchmarking was to keep our wages in line with inflation. We have all met with the demands of the Croke Park Agreement, and more, so much so that despite what the politicans say about the continued moratorium and they’re still looking for reduced numbers in the Public Service through natural wastage etc we’re now in a situation where we don’t have enough numbers. Hospitals don’t have enough nurses, don’t talk about doctors, Templemore is now basically closed and gardai numbers are plummeting, we’ve just seen how bad the Fire Service is. How bad does it have to get? Several hospitals have indicated that they’re budgets are going to run out in October and the Minister has already clearly said they won’t be getting any more money so a conflict is looming, some fire stations have around the country have indicated they may have to close at nights and go “on call” to save money. Do fires not happen at night? Maybe we’ll see agencies appear to fill the gap, they’ll supply agency firemen, gardai and nurses… oh wait they already supply agency nurses, not much of a leap then is it?

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