Half of DPs wages are taxed

[summerfinn]

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.

This is mine and DH combined salary. I would give fucking EVERYHITNG to have that salary on one single income and be able to fuck about at home with the kids whining about how unfair it is being able to eat organic and give the kids everything they needed when they needed it.

YABVU to come here and pretend not to be rubbing peoples faces in getting over 5k a MONTH while people are literally starving and in debt.

Get a fucking grip.

You know how to pay less tax OP? Both work and earn , if you both had a salary of 66k you'd pay higher rate tax on 32k , rather than higher rate on 82k with just your husband earning.
Time to get a job my flower.

So you live with your Dad and cannot afford a holiday. What are you spending your money on?! Maybe if you list your outgoings we could help you budget as something is clearly going very wrong there.

fuck off is it ' romanticising poverty. It is beloved, hallowed and celebrated'

What the issue here is that the OP has a take home of 5500 euros a month and is complaining its not enough

It's really not a lot. Compared to the rest of the people living and working there, it really is

Nearly two thirds of households had gross income below €60,000
Nearly two thirds (62.6%) of Irish households had a gross income of less than €60,000 in 2016. In contrast, only 14.1% had an income above €100,000.
Where income data could not be sourced from administrative sources (1.5%), households were labelled as "No income", see Background and Methodology for further details.
The median gross income per household was €45,256 in 2016.

https://www.cso.ie/en/releasesandpublications/ep/p-gpii/geographicalprofilesofincomeinireland2016/incomeinireland/

No-one can be this obtuse surely?

DH and I both work full time in good jobs, and don't make that between us. I drive a 2008 Mondeo (well I don't because it's broken and I can't afford to fix it), and we're having to turn off heating, and scrimp and save just to get by. We have zero savings, are barely in the black each month, and spend a third of our income on childcare, another third on the mortgage. Desperately trying to shield the kids from it all, but the fact is that everything they get is secondhand or hand me down, and they have never been on a holiday. When I'm not working I'm training to try and increase my earning potential, or trying to bring in extra cash somehow, and I live in total fear of something substantial going wrong with the house.

And I imagine we are pretty normal at the moment.

I'm sorry OP, I absolutely cannot find any sympathy for you. Your situation is disgustingly idylic compared to real life for many people.

Maybe I am being stupid

No if you earn a high amount and you are still struggling then the issue is with your spending.

You don’t have to earn a high amount.
You are free to get a lower paid job if you wish to.

If OP said she’s a high earner and lives comfortably because of it then that would be fine but she’s not, she’s moaning about it.

Poverty isn’t celebrated but when you’re struggling to afford food you are going to come on here and ask for advice.
If you’re struggling to afford a luxury holiday then obviously you’re not going to ask for advice (one would hope).

You sound very bitter that poor people are on this site.

Exactly this!

If you don’t like your situation then it’s time to do something about it.

ODFOD!

€11000 is more than some people earn in an entire year!

StrawberriesSW1 has a thread about moving around in London taking into consideration the state of the economy and even what wages might be like in 20 years time...so I don't know why she thinks it's appropriate to be telling us all that we all love to be in poverty.
don't come on here pretending to be so rich and telling us poverty is romanticised. The op's partner has a take home of of at least 5k.... That's not poverty now, is it?

I’m more confused why OP needs childcare but doesn’t work. If you don’t work and put your kids in childcare that’s a privilege most can’t afford

I can see why ppl are having a go but tax does suck. So I see your point as well. My DH is a highish earner (over 50-less than 100) ans gets taxed 50% on his yearly bonus. He's fine with it but it annoys me as that's extra money through working hard. We don't even get child benefit and I earn 29k.

Not slagging you off- proving a point that actually you know you’re still better earning more and paying more tax than the shit alternative!

I’d get a job if I were you. If you think it’s hard to survive on that about of money, you’ll be royally screwed when you split up and your ex has to pay you some pittance in maintenance

Is he on Emergency tax?
Make sure you are claiming all the credits you are entitled to.
Get married. That way you can be jointly assessed and transfer your tax credits (that you aren't using as you don't work) over to him.

I'm Irish . I'm shocked at the OP thinking that 130,000 is middle income in Ireland. I don't know anyone earning that much. That is a high income.

Most people that I know in Ireland earn around 2500 a month. Around that mark.

You are as absolutely entitled to earn a high income. That is your to enjoy. But to come on here and say it is not much, when you know that people are struggling to pay bills, and buy food, is just so unbelievably ridiculous and kind of cruel.

Are his tax credits sprted out correctly. If he has just transfered from another company then his April's tax credits might be with his old job.
With a high salary like that the tax rate is 40% plus USC and PRSI, it does all up to around 50% deductions but the tax credits will reduce the deductions.
If you want to pay less tax, get married and if you're not working then your spouse can get your tax credits too.

(I am a payroll admin in Ireland)

I agree. It's not cost of living, it's unnecessary spending, living beyond their means that perhaps put them into trouble. 5500 euros is decent amount of money to live on as family.

And we also rent and are trying to save for a deposit

I'm a high earner but I spend 60% of my take home salary on childcare. I still take my kids on holiday and manage to pay for music lessons and sports clubs and cover mortgage and bills. For a couple where one doesn't work on that salary you really have nothing to complain about. You will be in the top 5% of households or maybe top 1% even.

Go get a job or learn how to budget if you can't manage on your already massive income.

11k per month is 132k annually, so higher taxpayer.

Huge wage for ROI .there are loads of solutions to save tax. Get married and get a job...buy a house and avail of first time buyers tax back of 30k...get an accountant. It will be the best move ever.

Me and DH are on 40% tax. I would look into putting some of your money into a pension etc which you won’t be taxed on.

I'm assuming the OP is on the wind up with her 2 year old Mercedes.

But assuming for a moment she isn't then maybe she should get a job if they are struggling financially. Not to mention as an unmarried jobless mother she would be on her arse if he left her.

I can't quite believe you've posted this OP. Your husband is in the top few percent of earners and you're posting complaining about struggling to make ends meet on £5,500 per month? In the middle of a cost of living crisis that is crippling people. You are either God's most insensitive person, or having a laugh.