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WELCOME TO HOW I Spend My Money, a series on The Journal that looks at how people in Ireland really handle their finances.
We’re asking readers to keep a record of how much they earn, what they save if anything, and what they’re spending their money on over the course of one week.
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. We would love to hear from you. 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, so let’s be kind.
Last time around, we heard from a therapist living in the midwest of the country. This week, a manager at an NGO living in Dublin.
I moved to Dublin 10 years ago to go to college and haven’t left since. I purchased my first home with my partner at the end of last year. It feels a bit surreal that we have managed this – it definitely takes a bit of getting used to – but we are delighted to be in a cosy home after years of careful saving.
My partner and I roughly earn the same amount of money and we split the expenses. I know we’re not particularly spendy people, but I wanted to keep this diary because I’ve found since buying the house that it’s really easy to lose sight of where money is going and how much (if any!) we’re actually saving now.
Occupation: Manager at NGO
Age: 28
Location: Dublin
Salary: €53,000
Monthly pay (net): €3,026
Transport: Approx €40 on Leap card
Mortgage: €680
Life/mortgage insurance: €10
Household bills: €140 (gas, electricity, broadband, bins)
Phone (prepay): €20
Groceries: €150
Subscriptions: None paid by me (I’m shamefully still sharing a Netflix subscription and Spotify with my family)
Restaurants/takeaways: €100
Health insurance: None
***
7.30 am: When the alarm sounds, I do the usual turn towards my boyfriend and doze for another 10 minutes before getting up. After getting ready I check my work emails so I’m not heading into any surprises when I arrive. I try to walk to work every day: it’s part of my routine now that I love. It takes about 35/40 minutes, but I enjoy the exercise and I’ll typically be listening happily to a podcast or replying to WhatsApp voice notes from friends. Alas, today is particularly windy and rainy so I end up getting the bus (€2).
9.00 am: I first catch up with my team and we discuss any emerging issues and what’s coming up this week. A HSE report was published that is relevant to my role so I try to get through it while I eat the overnight oats I packed for breakfast. I took a few days of annual leave last week to visit friends in the UK, and this now means I have emails and updates to catch up on and respond to. I prioritise responses, but because things are a little quieter today, I manage to clear my inbox.
5.00 pm: On my walk home from work (the weather has miraculously improved!) I stop into Tesco because I know we’re low on veg. I get a few bits and some chocolate to fortify me for the rest of the journey. (€4.40)
5.40 pm: I arrive home to find my boyfriend doing some gardening. I join him for 30 minutes or so while we chat about our days at work.
7.30 pm: We sit down after scoffing a lovely veggie curry he made for dinner. I wasn’t paying much attention to his various film suggestions and ended up spending the next two hours watching the 1983 horror classic The Evil Dead on YouTube Movies. (€2.99)
Today’s total: €9.39
8.25 am: I’m out the door and walking to work today. I pop into Tesco on the way there to grab some microwave rice to go with my leftover curry. There’s an offer for two packs so I go with that (€4). I notice on my walks to work now that I’m much more observant of people’s front gardens. I guess this is a consequence of my own newfound enthusiasm for gardening!
5.20 pm: I get the bus home and arrive a bit earlier than usual. My boyfriend and I catch up before I go for a 15-minute run. I used to run a couple of times a week but an injury means I’m only getting back into it again now.
7.00 pm: He makes dinner while I’m gone and we eat together. I remember I have to renew a prescription so I do that with the online doctor (€25).
9.30 pm: I read a few chapters of Jane Eyre before falling asleep at 10.30 pm.
Today’s total: €29.00
8.20 am: I haven’t prepped my usual overnight oats for brekkie so I stop at the shop. I keep it simple and just get some brown bread to toast at work before my first meeting (€2.19).
1.00 pm: One of my colleagues wants help on a project of hers, so we eat our lunch together in one of the meeting rooms while we chat through the details. I like having these opportunities for informal peer support: things can be so hectic that we don’t often take opportunities to work collectively like this.
4.00 pm: I’m in the city centre after an offsite meeting. It doesn’t really make sense to go back to the office so I decide to make the most of the good weather and grab a bus home (€2). I stop by my mam’s house on the way back and chat with one of my sisters. She decides to come back to mine with me and help me with the garden for an hour or two.
7.00 pm: I make dinner for my boyfriend and I. After we’ve eaten, I check my emails and there’s an invoice waiting for me from our recent BER assessment, which we had to get done as part of an SEAI grant we received for work on the house. I pay the invoice of €250.
Today’s total: €254.19
8.50 am: On my walk to work I decide to pop into the hardware shop that’s nearby. We need a new clothesline and I find a 15-metre length one (in a delightful bright orange colour….) for €4.95. This is probably my most random early morning purchase but I’m happy I got it because this shop is usually closed by the time I’m heading home.
1.15 pm: I go to the shop around the corner to grab something for lunch with two colleagues. I don’t usually buy lunch as I prefer to make my own. There aren’t any particularly healthy or satisfying options around this part of town for veggies either. Still, it’s nice to get out of the office, even for a few minutes. (€5.00)
5.00 pm: I head for the bus as soon as I finish up because I have a bit of a mission ahead of me at home (€2). My plan for the evening was to sand my oak kitchen countertops and oil them. This is fairly strange weekday activity, but we’re away tomorrow for the bank holiday so it makes sense to let it cure while we can’t be tempted to spill anything on them!
7.00 pm: My mam very kindly invited us to her house for dinner tonight, as she knew we wouldn’t really be able to use our own kitchen. My mam only lives a three-minute walk from us, which is so perfect at times like this. She treats my boyfriend, my sisters, and me to a takeaway. We stay for another while catching up with everyone and talking about the weekend plans.
10.00 pm: I put the oil on the countertop after getting it sanded to my liking and cleaning all the mess up. I’m pretty wrecked now so it’s definitely time to hit the hay.
Today’s total: €11.95
8.00 am: I wake up a little later on Fridays because it’s my work from home day. I check out how the countertops look. I’m happy with them so I apply one more coat. I have very few meetings on Fridays, so it’s an opportunity to plan for next week and catch up on any report writing that needs to be done.
1.00 pm: I have some toast and fruit for lunch before doing some chores around the house. We’ll be leaving in a few hours for the weekend so I want to make sure the place is organised before I go. I check out how all my newly-planted vegetables are doing in the garden. I’m just starting to see some tops of onions and my raised beds have shoots of lettuce and spinach coming up. I’m already excited to see the difference when I’m home on Monday! If this is the banality of adulthood then I am leaning right into it…
3.00 pm: My work finishes at 3 pm on Fridays. My boyfriend finishes a little bit earlier so we can try to beat the traffic. We are heading to his holiday home in Wexford for the bank holiday. I top up my phone credit in the car (€20) and also see that the bin charge has come out of my account (€25.60). It looks like we got charged a bit extra for the black bin, which has been a rather regular occurrence since moving in because of all the building works and inevitable waste that is created when you do up a house.
6.30 pm: We arrive at the house much later than we expected. The traffic was awful, but we also stopped at an Applegreen to grab some snacks and then at a Supervalu to grab some provisions for dinner. My boyfriend paid for these as I had bought a few extra things last week. We generally split money very evenly, but we don’t meticulously keep track. We feel it broadly evens out when we each pick up different bills. We make dinner and have a few glasses of wine in the evening sun before heading to bed.
Today’s total: €45.60
8.00 am: We have breakfast and get ready for the day ahead. We have planned to get the ferry to one of the islands off Wexford to look at the different sea birds that live there and explore. My boyfriend loves any museums or attractions to do with ancient Ireland, so we end up stopping into the National Heritage Park on the way to Kilmore Quay. (€12.50 for the entrance fee)
12.00 pm: After a really enjoyable experience at the Heritage Park, we drive to Kilmore Quay and get some snacks for the island trip. I grabbed a particularly tasty looking slice of carrot cake from a cafe (€4.50).
1.00 pm: The boat arrives and we board as we had booked ahead online a few weeks ago. It was brilliant. We got really lucky with the sunshine and enjoyed looking at the razorbills, guillemots, puffins and gannets on the island with our binoculars.
6.30 pm: We go to a local pub near his house for dinner. They do lovely stone-baked pizzas and we get a pint each. I pay for the two of us. (€44)
9.00 pm: We decide to watch a movie before heading to bed. We choose The Whale on YouTube Movies (€4.99).
Today’s total: €65.99
8.00 am: I’m looking forward to a chilled day today. After breakfast, I read my book for a few hours. I then decided to go for a run.
12.00 pm: We’re both hungry and looking for something to do, so we decide to go to the local cafe for some lunch. The food there is so delicious, I’m slowly making my way through their vegetarian options when we go. I pay for both of ours (€35.80).
1.30 pm: We decide to go for a forest walk in the nearby woods. It’s got lots of native Irish trees so we enjoy spotting loads of different birds for an hour or so.
6.00 pm: I make pasta for dinner from what we picked up in SuperValu on the way. We have two beers and chatted for a while afterwards.
11.00 pm: We head to bed after watching a few things on Netflix.
Today’s total: €35.80
***
What I learned –
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I don’t think it’s ageist to suggest that a drivers reaction time and perception diminishes as they get older.
We expect young people to jump through a lot of hoops to be able to drive a car from theory tests, recorded lessons, driving test, L-plates, N-plates as well the financial barriers to even owning something NCT worthy. Is it so much to expect an older driver who went through none of that and now potentially has diminished senses to complete a simple refresher?
@Rochelle Hart: A car is not just a motor vehicle, it is a lethal weapon in the hands of the wrong person. I’ve worked as a professional driver all my working life . I did three tests…car, bus and HGV. As a professional driver you must do a day a year in the classroom to keep our CPC’s up to date it is a legal requirement. From what I have seen in my travels, its not the older experienced drivers that should be in the classroom every year , it’s the young inexperienced ones that need it most!!
@Ollie Fitzpatrick: Even the pros be knocking into folks too
@Rochelle Hart: absolutely ridiculous. Getting older gives one a better perception of safety and what I’m seeing is out there is dreadful and unsafe driving from younger people. Speed and lack of observation is deplorable. I had to do a driving test , I didn’t get it for free. My first weeks wage was on a driving lesson. So don’t judge all over 70s the same.
@Ollie Fitzpatrick: absolutely agree
@Ollie Fitzpatrick: how about both young and old then?
@Rochelle Hart: .
@Ollie Fitzpatrick: my father was about 70 when we took his keys away. He had almost killed us in a car crash! The car was written off. I damaged my shoulder and neck, my mother had a broken leg, the driver of the lorry had a broken clavicle and he walked away without a scratch. He never did a driving test in his life. His brother had gone to buy the licence and thought that as he was there he’d get one for my father too. That was how people got a driving licence back in the 40’s. So he was driving around with no testing at all. No rules of the road, just common sense and hope that he wouldn’t kill us all. But he almost did. So why not bring in testing for over 70’s? It would have weeded people like my father out and take them off the road.
@Marie McPhillips: if they are capable of driving then they should have no problem passing the test will they? I see mostly middle aged people being the danger on roads, had a woman today trying to pull infront of me before she got passed my car, she didnt even have her lights on, no indicator nothing just pulled over and nearly took the front off my car
@Rochelle Hart: plenty of people over 70 done lessons & a strict test Don’t know why people are on here looking to have them do a test as it not going to happen
And yet, many of the crashes are involving under 40s.
@Brian Keelty: Many?
@Kilkenny Proud: A third (33%) of fatalities were aged 35 years or younger, and almost a third (31%) of fatalities were aged 66+ years. The rest in between. 2022 statistics.
Source RSA
@Adrian Versey:
Some studies find an uptick in risk at 75+ and others only at 80+. In sum, “older drivers” in their 60′s are the safest drivers on the road. Older drivers up to 75 are only slightly riskier. It isn’t until age 75+ where a significant risk increase begins to appear and this made simply be a frailty effect.
@Adrian Versey: Has trouble understanding the written word this one.
@Adrian Versey: Thank you!
Over 70s are not causing accidents or vehicle deaths. EU needs to look closer at younger drivers.
@Marie McPhillips: can’t point the finger at all younger drivers (I presume you meant men)
Plenty of fantastic young drivers around. Ask a female young driver how to change a tire or add coolant and they will look at you with 10 heads, the interior mirror is not for beauty checkup checks
@Marie McPhillips: As always, the problem is how you get your data for a statistic and how they will be interpreted.
They have the same discussion in other European countries.
In Germany for example, same argument, elderly don’t cause THAT much accidents or fatal accidents.
Some experts than did argue, yes, but:
They drive only a fraction of the kilometres a non-retired driver is doing and usually avoid rush hours. Adjusted to this, Over 70′s were close the accident rate of younger drivers.
Let me put it this way: A driver doing +30k a year, mostly driving to work, rush hour, or even much more, has 2 accidents this year.
The elderly driver, 5k for shopping and leisure, also 2 accidents.
Would you consider both drivers are on the same level?
@alan scott:
@Wolfgang Bonow: not to many drivers over 70 doing 5 k are u for real they travel all over & good luck to them
They should teach transition year students the theory test and allow them to pass their driving test by the end of the leaving cert. I did my theory test when I was in transition year at my own expense and time. Passed driving test when I was 19. Motorway driving and night driving should also be taught too.
Time to leave the EU, elite club throwing its weight around too much
@Boris Blank: being in the EU has been a serious positive for ireland Boris Tom Peter what ever your name is
@michael odwyer: I think the Blank sums him up to a tee
@Boris Blank: Best wishes on your trip so Boris. Do you have anywhere in particular in mind that you are heading to, or will you just wander around for a bit?
@Boris Blank: Lol! The mighty Irish economy provides the world’s most comfortable safety net.
@Thesaltyurchin: our corporation tax is our safety net, nothing else, if a few multinationals decide to leave, our economy is banjaxed
@Boris Blank: I was trying to be as obvious as possible with my sarcasm. I have failed.
@Boris Blank: and I’m sure the multinationals who use funnel it’s EU profits through Ireland will gladly stay if we leave the EU right??
Well done Eileen…
@Clare Power: 100% Clare!!! Finally, a GOOD appointment by FAI…..standard of football being played is so much more free- flowing & ambitious than under the Pauw regime. Strange that you cannot comment in the ‘correct’ article but that’s the journal nowdays…..way more articles CLOSED to comment than open.
@Clare Power: Come on
@Larry Betts: wots up Larry pet have you run out of witty one liners!
Thats an absolute joke they are a danger on the roads, in overtaking labe doing 20 under and refuse to move, hitting cars trying to park and driving off, list goes on, if they cant pass a refresher then clearly they are not fit to drive if they do pass then they have nothing to worry about
The under 40 s are the problem not the elderly,main problem is speed .
My Aunt is 78 and her family won’t let her near a motorway, she just isn’t up to it. She just uses the car to tip to the shops and back about 5km.
You are not allowed to drive before you have proved you can competently do it.People of a certain age should be stopped from driving as they are a danger to themselves and others.Should be mandatory to do a refresher test.
The number of Irish people happy to star the disabled and elderly to death is astounding. Or it would be if you didn’t realise how.many of them have turned a blind eye to rape and murder for generations.
Elderly people that can’t drive most likely have no other way of shopping or accessing healthcare. None of you care one bit about the consequences of your twisted little fantasies. We have no viable public transport in 95% of the country.
Hells Angel 75+ on an E-Scooter, Make a hole for the new gang in town. No License required
Why not organise “refreshers” every 25 years and drop the ageism?
We’re not interested in autonomous vehicles yet? figures
@Thesaltyurchin: You haven’t heard about +2 Million recall from Tesla?
“figures” :-)
@Wolfgang Bonow: That’s just to fix some bugs, still works and will become the norm as Ai advances… no brainer in this situation.
@Thesaltyurchin: they’re right up there with unicorns on the list of things which don’t exist.
@Chris O’Brien: this is the way
Because there’s no options. And starving the elderly and disabled is still frowned on in Ireland. Though give it 6 months.
@Gerry Lamont: you’re proposing starving the elderly… I know it’s Ireland and attacking the weak is popular, but maybe say that to your friends in private, instead of telling the whole world your homicidal fantasies.
First of all what will be the refresher? Will it be a theory test to update elderly people in rules of the road or it will be a fresh full driving test?
After one year of passing driving test most of the drivers will fail they driving test as they already have some habits.
In my opinion people over certain age should have they vision checked on a yearly basis and that’s it.
If elderly people have to do it, why not to force a refresher after 2 or 5 years after passing the driving test for everyone?! The ones which will fail have to go for 20-30 hours with driving school before they could reapply the test.
The other thing…even you have passed your driving test it doesn’t mean you can drive a car. You have basic information which have to be improved with experience you’re gaining on the roads.
have your say