Meet the Other Phone. A phone that grows with your child.

Meet the Other Phone.
A phone that grows with your child.

Buy now

Please or to access all these features

Craicnet

Property and monthly budget

29 replies

mikado1 · 15/07/2018 23:38

Looking at a 1500e mortgage (until bloody 70yo) with overall net income of 5.5k and cc of 1k for 9m of year, which will decrease to say half that in the next 5y. Leaving us with 2.5k each month to cover everything else. Dublin. Is this enough? 2DC. I know it sounds like lots but insurance(s), bills, food, activities, petrol etc... Somehow they mount up. Any advice great, so indecisive and unsure.

OP posts:
mikado1 · 18/07/2018 21:56

Go to au pairs in Dublin on fb, you'll get the right info. I know two people who've done it recently and didn't pay prsi etc.

OP posts:
reddressblueshoes · 19/07/2018 09:34

@mikado1 - your friends run the risk of an employment rights tribunal and subsequent pay out.

See article here: www.google.co.uk/amp/s/www.irishtimes.com/life-and-style/health-family/as-employment-rights-change-has-the-au-pair-had-her-day-1.2951047%3fmode=amp

It is 100% the case au pairs should be treated as other employees, there's undoubtedly abuses that still go in but it's being increasingly enforced.

Re: after school care costs etc- we find it varies hugely between friends in Dublin, I think a lot depends on the given primary school. Also whether or not you need before school and after school, or can get away with just after school. You're costing up a move to Dublin, but do you have a clear area/school in mind? Basically we've one set of friends who have to drive to childminder, drop child off at 8am, childminder gives breakfast and brings child to school, they drive home then get luas into work, get home and pick up from childminder at 6.30. They pay lots more than other friends who are walking distance to the school and can have one parent do drop off, then the primary school runs an after-school club and they're able to pick up from that at 5.30/6. One parent does mornings the other evenings. Some schools seem to have after school provisions which are cheaper, also living walking distance to school (and in our case work) seems incredibly helpful in terms of how many hours you need.

Crèche costs also vary depending on area - friends in rathmines are paying 1300 for one child (one year old), friends in another part of south Dublin a grand, so I think to get realistic coatings you need to know your area, likely commuting costs, etc.

IME, costs like electricity, utilities, car insurance, groceries etc don't vary so much across Ireland, but childcare, eating out, children's activities seem to be much dearer in Dublin, but within Dublin there's still huge variation. For us, talking to friends about cost of childcare was really handy for getting an accurate picture and helped us focus in on where to live, but the hardest thing was getting an idea of how much our spending on utilities and groceries would change from London to Dublin as people have different habits, ways of living etc and it's hard to figure out an exact equivalent.

mikado1 · 19/07/2018 10:33

Thanks very much for that. You see we'd be moving back to an area we lived in before. School within walking distance oversubscribed tho dc2 would get a spot when time comes.. possibility I could just about drop ds1 but not sure.. as stands will need before and after school as dc2 only starting preschool so I've been quoted 25 each per day w/minder.

In a few years they'll be finished after me and can walk towards home for me to pick up- at 10/7y.. (senior end primary closer again to us, assuming as I've been told to, that dc1 will transfer at that stage- tho I feel such guilt around a second move that if he doesn't want to move at that stage I'll leave him in further away school(10mins in car). My commuting costs low and am considering cycling.. currently 10min drive.

OP posts:
mikado1 · 19/07/2018 10:35

Good to know re aupairs! Apologies to pp. I think it's a pity the old way has been ruined by some people treating them badly.

OP posts:
New posts on this thread. Refresh page
Please create an account

To comment on this thread you need to create a Mumsnet account.

This thread is closed and is no longer accepting replies. Click here to start a new thread.

Swipe left for the next trending thread