Page 12 | Half of DPs wages are taxed

Gcsunnyside23 · 21/04/2023 12:21

Yes ops partner is earning well but the cost of living in Ireland is so much higher than England. Plus UK taxes are to include NHS whereas you need to pay to see GP in Ireland so high tax doesn't really include healthcare amongst other things, I think you had to pay for school books etc until this year which is mad. So yes her partner earns well but it doesn't go as far and getting less for their contributions

Whichwhatnow · 21/04/2023 12:21

Mycathatesmecuddling · 21/04/2023 11:30

Not really our household income is similar to the OPs, most of it is mine

I just dont come on a website where people are posting about how to access food banks to complain about my bills going up

Its like going on the miscarriage forum to complain about having to change your new babies nappies

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Same. It's the attitude of OP not her (DH's) salary that most people are objecting to. I've mentioned my salary a few times on here (where appropriate, not just randomly!) and have never seen any 'frothing' or hatred directed at me for it. Maybe because I'm not a dick about it...

SmallAngryPenguinWoman · 21/04/2023 12:21

ohbygolly · 21/04/2023 11:40

Way to misrepresent a situation....

Your fiance is in the first month of his job, and paid 50% in tax. That's emergency tax because he hasn't been registered appropriately for PAYE. You'll get a proportion of that back when he gets that sorted.

I wouldn't mind but we don't get anything good back at all.

I'm not going to suggest everything's great here, but here are some of the things families like yours have benefited from that have been funded through taxation:

Free GP scheme for children
Early Child Care & Education scheme (ECCE)
Disability allowance
Illness benefit
Parent's benefit

Whatever you think, misrepresenting yourselves as middle income earners on an individual salary of 132k per annum, is over-egging the situation.

And non-meanstested child benefit for all, with 2 DC that's another €280 a month.

Goodoccasionallypoor · 21/04/2023 12:22

Mooshamoo · 21/04/2023 12:20

Sometimes I despair at Ireland. I live in Ireland. The rich/poor divide is very noticeable because it is a small country.

I grew up poor in Ireland and I was certainly made to feel it. Now I am comfortable enough with money but I don't forget what it is like to be poor.

However, Ireland at the moment has a lot of very wealthy people and I see the people that grow up in wealth in Ireland to all be very similar to each other:

They are small-minded.
They are quite nasty and selfish.
They are blinkered.
They are nasty to poor people.
No sympathy for poor people.
They think it's poor people's fault that they are poor. They wouldn't touch a poor person with a broom.
Money and status is everything..no sympathy for people who are suffering.

Indeed, I remember when there was a very high up woman in Ireland (I think she worked at the top of a homeless charity) said that it was the homeless people's in irelands fault that they are homeless.

And they will tell you there is no class system in society - everyone is equal. 😂😂😂

CoozudBoyuPuak · 21/04/2023 12:22

Apologies for not taking the time to read through 275 replies,have only read the OP, but surely this is an "emergency tax code" situation - first month in a new job, with no proof that you aren't already receiving a wage for the month from a previous or continuing other employment, they have to tax you on the assumption that your tax-free and lower-rate allowances are already used and you pay as if you are a higher-rate taxpayer. But once the Payroll Dept have the paperwork sorted the tax would then be lower in future months and you are able to either claim back the overpayment, or just pay less for the rest of the year until you have paid the right amount.

ILikeCatsandDogs · 21/04/2023 12:23

Crabwoman · 21/04/2023 09:49

OP. This topic is primarily used by those who are on the bones of their arse and having to choose between feeding themselves or heating their home.

Just a warning, but I don’t think complaining of take-home pay circa. £4850 for a single income will land very well at the moment.

Your DP needs to start learning about taxation, and you may need to start learning how to read a room.

❤

HJ40 · 21/04/2023 12:24

Well fuck me. I wish I could get three hours a day to exercise and do all of the chores I need to do.

Do you realise how cushy that sounds, regardless of income levels?

2bazookas · 21/04/2023 12:25

summerfinn · 21/04/2023 09:32

My DS got paid his first month of his new salary yesterday. Which was eleven thousand euro he go taxed half of that which only left us with only 5500 as his monthly pay. The tax is system is disgusting in the country I live in. Even with that wage it's difficult to get by these days with the cost of everything.

11.000 Euro is £9,742

Half of that is £4871

If you're struggling along on just under 5k a month I suggest you employ an accountant.

MissLucyEyelesbarrow · 21/04/2023 12:26

summerfinn · 21/04/2023 09:42

That should say DP 🙈

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Attention to detail isn't your strong point, is it?

Jumbojade · 21/04/2023 12:26

summerfinn · 21/04/2023 11:53

Perhaps I should just take the post down. I'm sorry for offending anyone. But the mean comments aren't helping my depression. I put it in the wrong thread title I'm sorry. Also sorry that my DP earns that amount. It's not my fault. I don't have many friends so maybe this thread has put it all into perspective. I'm lucky and should just stop complaining. 🙈

I think that’s the first sensible thing you have said. Yes, you are lucky. I’m also disabled, widowed and have to live on £700pcm, which includes PIP. Hopefully you now realise how lucky you are, compared to the vast majority of people.

kittensinthekitchen · 21/04/2023 12:26

Hungrycaterpillarsmummy · 21/04/2023 10:38

Op, on searching your username o see this is not actually about Tax, is it?

It's about the fact you want to have as much money as possible to buy a house sooner and away from your dad.
You are living with him, I imagine for a decent rate rent whilst you save. You're husband is working to 11pm to get a promotion and then I imagine seeing his payslip is a blow because it's hindered your chances to move sooner.

Just move to another rental. You don't owe your dad anything and it takes away the urgent of saving for somewhere to buy.

The search also throws up the lovely reality that the OP moved their family into their fathers 4 bed home, and is now wanting their father to add them to the lease, so they can throw him out in a few weeks, because he's mean.

They also claim a 3 bed house costs around €3500 pm, whereas their father's 4 bed costs €1800.

User5464245 · 21/04/2023 12:29

Move to Dubai then

Badbudgeter · 21/04/2023 12:30

CinnamonCoffee · 21/04/2023 11:48

I earn 14000 a year! Professional job but lone parent to young twins so limited working hours.
Maybe I needs to get me a rich fella then moan about how unfair life is!!
And the people defending the OP wtf?

I often think it’s a bit disingenuous when posters state their earnings as if that is what they are living on. You’d get a fairly decent amount of UC on top and then additional UC for rent / childcare if applicable, child benefit.

If you added up your entire income. What would the equivalent salary be?

Titusgroan · 21/04/2023 12:35

Goodoccasionallypoor · 21/04/2023 11:59

This may not all be true in Ireland. State funded healthcare isn't great so most people who can afford private cover, pay for it - it's much more common than in the UK.

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Quite true.
Relatives have paid a lot of money to have a baby in Ireland.
Like many countries you have to pay into private healthcare.
All go apointments and medicine again not going funded. Not for OP anyway as income too high.

houseofchaosandclothes · 21/04/2023 12:36

OP I just did a tax search because the figures sound off. On your DP's income alone, with the child benefit for two children (not means tested in Ireland) his annual net take-home on that salary will be 78,115 euro - that's 6,500 a month not 5,500. Now that includes the children's allowance of 280 euro but your initial figures are definitely wrong.

If you were married, with you still not earning, that monthly take-home goes up to just under 7k/month, or 84k/year.

I know that people in high earning fields in Dublin can live in a bit of a bubble, and it is fairly unusual to only have one salary (much more so than in the UK) but that is still a very high joint household income, never mind a single one. Your 3 hours a day childcare will be totally free under the ECCE scheme your childcare for your under 6s will also be free. Based on the fact you're paying a peppercorn rent, you will have a LOT of extra money to play with.

I think it is worth a) calming down and looking at the long picture - you've taken one month's by the sound of it emergency taxed salary and been upset it didn't instantly solve your problems b) considering the financial protection and help of marriage and c) trying to do a longer term budget. Moneysaving expert is good for this. See what your day to day money is going on and if its worth it to you.

If you are looking at childcare beyond ECCE, there are now much more significant government contributions that can pay towards after school even with a high salary you'll get 1.40/hour off your childcare.

SirTarquin · 21/04/2023 12:39

There are universal truths that no one wants to pay any tax!

No one wants to pay it.

The problem I think is that the middle ground of higher but not super-high earners feel they have it worse and are more resentful about it

Low earners get taxed less so while they don't like it they see they aren't paying 40%, 50% of their income in tax.

The ultra wealthy might be irritated but it doesn't make much difference really - if you are earning £10m a year, you can still do a lot of the same with £5m as opposed to £20m

The middle ground are more resentful I think because firstly many have worked very hard and made some serious personal sacrifices to get to the level where they are a high earning (getting into debt for education, sacrificing personal and family life to climb the greasy pole) and feel now they should be rewarded.

Seeing yourself finally (and for many peopel getting to the 40/50% tax paying band is a huge career achievement) get there and then have such a huge chunk of your salary taken in tax is going to make you feel more resentful

And then in practical terms it makes a big diffence - the lifestyle difference between £50k and £100k a year is huge in a way that between £5m and £10m isn't.

Wishimaywishimight · 21/04/2023 12:40

StNinian · 21/04/2023 11:47

It is true that in the UK we have some of the highest taxes in the world.

OP is not in the UK.

houseofchaosandclothes · 21/04/2023 12:42

Also, having lived in both countries, Irish people tend to be very dismissive of what they get for their taxes, especially compared to the UK, and I think that can be overplayed. Yes a lot of middle class people pay for private healthcare, but usually its a similar amount to what people in the UK pay for council tax. We don't have water charges, we pay for GPs but if you have a low income you get a free GP card, if your children are under 6 they get free GP care, and there is an agreed government plan to move towards a model much closer to the NHS. The biggest issue at the moment is the housing crisis, in which case someone on a take home salary of 5k in Dublin could literally be paying 3k of that on rent and another 1500 on childcare for two children. Its not a case of moving somewhere cheaper as there is such appalling supply. But that's not the case here.

orangegato · 21/04/2023 12:43

AndTheSurveySays · 21/04/2023 09:54

Sorry for the dumb question but what does this mean? See it on many threads but not figured it out.

Boughtitdownthemarket · 21/04/2023 12:43

@Titusgroan you don't have to pay any money to have a baby in Ireland. I'm currently pregnant and in the public system with a good hospital. Obviously I have to pay for my prescriptions but all my treatment is free. I'm not sure what you're talking about. Some people with health insurance will pay for private rooms etc but that is their choice.

Mooshamoo · 21/04/2023 12:43

houseofchaosandclothes · 21/04/2023 12:42

Also, having lived in both countries, Irish people tend to be very dismissive of what they get for their taxes, especially compared to the UK, and I think that can be overplayed. Yes a lot of middle class people pay for private healthcare, but usually its a similar amount to what people in the UK pay for council tax. We don't have water charges, we pay for GPs but if you have a low income you get a free GP card, if your children are under 6 they get free GP care, and there is an agreed government plan to move towards a model much closer to the NHS. The biggest issue at the moment is the housing crisis, in which case someone on a take home salary of 5k in Dublin could literally be paying 3k of that on rent and another 1500 on childcare for two children. Its not a case of moving somewhere cheaper as there is such appalling supply. But that's not the case here.

We don't have water charges in Ireland either.

Soffana · 21/04/2023 12:44

OP, where do you think the money you get for not being able to work due to your disability comes from. Tax perhaps?

Mooshamoo · 21/04/2023 12:44

houseofchaosandclothes · 21/04/2023 12:42

Also, having lived in both countries, Irish people tend to be very dismissive of what they get for their taxes, especially compared to the UK, and I think that can be overplayed. Yes a lot of middle class people pay for private healthcare, but usually its a similar amount to what people in the UK pay for council tax. We don't have water charges, we pay for GPs but if you have a low income you get a free GP card, if your children are under 6 they get free GP care, and there is an agreed government plan to move towards a model much closer to the NHS. The biggest issue at the moment is the housing crisis, in which case someone on a take home salary of 5k in Dublin could literally be paying 3k of that on rent and another 1500 on childcare for two children. Its not a case of moving somewhere cheaper as there is such appalling supply. But that's not the case here.

Oh sorry I thought you were living in the UK now, but I think you are living in Ireland

Wonnle · 21/04/2023 12:46

That's nearly 5 grand in English £ !

Jesus my heart bleeds for people who earn that little :(

Butchyrestingface · 21/04/2023 12:47

Tax the billionaires not middle income earners keeping the country going.

How many billionaires are there in Ireland?

*Asking for a friend.