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See all MNHQ comments on this thread

Original poster

Half of DPs wages are taxed

446 replies

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.

OP posts:
Thread gallery
13
Mooshamoo · 21/04/2023 11:33

Crying in my mercedes, eating my avocado.

Wishimaywishimight · 21/04/2023 11:34

You are "paying off" the furniture you bought for your dad's house so you didn't even purchase it outright? I am genuinely curious as to how you can't manage to save. Where on earth is €5,500 (or €6,500 based on PPs calculations) going each month??

Ladybug14 · 21/04/2023 11:34

Bentoforthehorde · 21/04/2023 11:31

You know, as a poor person, it's good to see conversations like this sometimes.
Juggling bills, literally having £0 bank balances, scraping by etc is stressful but we do have a happy family full of love etc.
Seeing people who have what we would consider a lot of money, indulging in pity parties and feeling like they have it hard is a good reminder that money doesn't make you appreciate what you have. Attitude and gratitude. There are people who are choosing between putting the heating on and doing a food shop, but still grateful for the roof over their heads etc, and then there are people crying in their Mercedes about how unfair their life is. I'd rather be poor and happy than well off and totally oblivious to how privileged I am.

Absolutely agree with @Bentoforthehorde

The OP needs to learn to read the room

And get a grip

And grow a pair

Grin
Hungrycaterpillarsmummy · 21/04/2023 11:34

summerfinn · 21/04/2023 11:31

I'm not taking the piss. We bought a lot of furniture ect to make the house comfortable and to our standards we have been paying this off.

Show quote history

It just sounds like you are very poor at money management then. You're saving for a house yet spend money on furniture right now and now you have to pay it off. Maybe you should post your income and outgoings and someone I'm sure can help.

Porkandbeans1 · 21/04/2023 11:34

You need a budget and a plan if you're saving for a house OP. I'm not sure what schemes are available in Ireland but I would do some research. In the UK we have LISAs, other help for FTBs and the option of transferring some tax allowance to a spouse.

Some of the comments on this thread are unfair. Yes the OP could do with a bit of a reality check but all of these "disrespectful to those struggling" comments are BS.

Choconut · 21/04/2023 11:34

summerfinn · 21/04/2023 11:31

I'm not taking the piss. We bought a lot of furniture ect to make the house comfortable and to our standards we have been paying this off.

Show quote history

I guess you'll have to reassess your standards then - along with your priorities.

qazxc · 21/04/2023 11:35

Reading though your other posts, it isn't just about the money, you also feel stuck in a toxic living situation.
I think seeing the payslip was a blow, because it meant to you that you were stuck there longer.
I know that rentals are few and pricey, but is are there any in your area that you could move to? because even if it meant it would take longer for you to save up for a deposit, it might be worth it to preserve your sanity (you do not owe anything to your dad, he is a grown man, he can paddle his own canoe).
You also need to sit down with DP and make a plan. Go through finances, how long will saving take? are you claiming all credits? Can you cut down on some things to make it there faster?
If you aren't working, I would suggest getting married ASAP. That way you can transfer your credits to him and he will be bringing more money home.

BarbaraofSeville · 21/04/2023 11:36

God forbid anyone should have to live with furniture 'not to their standards'.

Will anyone think of the children........

OP, you appear to have got things arseway round and have the most skewed perception of normality I have ever seen.

Surely if you were saving hard to buy your own place, you'd save buying the appropriately aspirational furniture until after you'd bought a house?

shivawn · 21/04/2023 11:36

Well you won't be paying 50% tax. Do you understand the tax system? A quick look at his payslip will tell you why his take-home pay was half the gross. He's probably paying BIK and pension contributions. I'd agree that €5500 isn't a huge amount, especially if you don't already own a house in Ireland but to be fair only one of you is actually working.

Gondala · 21/04/2023 11:37

I just don't understand what you want from this thread OP? You now know your partner shouldn't be taxed 50%, you are unwilling to post income and expenditure so if you are not here to wind up struggling people, why are you posting?

Mycathatesmecuddling · 21/04/2023 11:37

Titusgroan · 21/04/2023 11:33

Quite agree.

MN will stop asking for advice and support when all they get is quite the opposite.
We re on nothing like this but it doesn’t hurt to offer advice. If you have any.

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She didn't ask for advice. She moaned that 5500 wasnt enough to live on. Had she asked for advice about how to save money she probably would have got some help. Instead people responded to her moaning, because that's what she posted.

Tealsofa · 21/04/2023 11:38

Scalottia · 21/04/2023 11:14

My english is failing me today! Either way, it's a silly comparison to make.

But I still think that there are some jealous people on this thread. There always are. It's MN.

OP has posted a money-related post in the Money Matters topic, and people seem to be annoyed that she has more money than them. So only poor people are allowed to post in here then?

Show quote history

OP has posted a money-related post in the Money Matters topic
No she didnt - MNHPQ moved it

Scalottia · 21/04/2023 11:38

Mooshamoo · 21/04/2023 11:33

Crying in my mercedes, eating my avocado.

How does a comment like this help anyone? It just makes you sound bitter.

OP you really just need to get better at budgeting. Get professional advice, you can afford it. Never ask MN for advice on money if you aren't poor. Ignore the bitter responses.

Hydrangeatea · 21/04/2023 11:38

"salary" not "wage"

Mycathatesmecuddling · 21/04/2023 11:40

summerfinn · 21/04/2023 11:31

I'm not taking the piss. We bought a lot of furniture ect to make the house comfortable and to our standards we have been paying this off.

Show quote history

On that salary you should have enough savings to buy furniture outright, not be paying off credit

Post your outgoings and people might be able to help you actually build up your savings to buy a house quicker

The issue isnt your DPs tax

Tealsofa · 21/04/2023 11:40

Scalottia · 21/04/2023 11:20

Sigh. It's a money question in the money forum. It's not like she put it in AIBU. I don't think she posted in here to 'complain to people who have no money'. Was she wrong for making a post, as I asked before, should only people without much money be allowed to post in here?

Show quote history

sigh - she didnt post it in Money Matters, MNHQ moved it from... cost of living I think

Hellybelly84 · 21/04/2023 11:40

Scalottia · 21/04/2023 11:31

I am not saying that OP is correct, to not be able to manage on that salary is ridiculous. Something is fundamentally wrong with their budgeting (or lack of).

What's bothering me here are all of the catty responses about violins and avocados. Typical responses as soon as someone on MN is a high earner. I see it on here quite often.

She’s being ridiculous.

Update: they bought lots of furniture they are paying off which they didnt carefully plan for. Lesson there to buy what you can actually afford and save for things. Theres things I would absolutely love for my house, but as every bill is going up, we wouldn’t put our financial stability at risk buying more than we can afford.

If they are struggling, businesses are crying out for people at the moment so it shouldn’t be too hard finding work to help with the bills.

Peapodburgundybouquet · 21/04/2023 11:40

Titusgroan · 21/04/2023 11:33

Quite agree.

MN will stop asking for advice and support when all they get is quite the opposite.
We re on nothing like this but it doesn’t hurt to offer advice. If you have any.

Show quote history

It’s why it is absolutely overrun with trolls and fake threads, because it’s vitriolic predictability has been turned into sport and good entertainment by a certain type of person.

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.

Original poster
summerfinn · 21/04/2023 11:41

ZekeZeke · 21/04/2023 11:19

I'm in Ireland.
If you have a disability that prevents you from work you also receive illness benefit! And can also claim for your dependents ie kids

I already do that.

OP posts:
Mooshamoo · 21/04/2023 11:41

I sometimes wonder do rich people enjoy being cruel in front of poor people.

For example i go to a weekly art class. There is one very rich man in the room. He is always complaining. The last thing he complained about was this: his aunt owns a summer house in Greece. She gave it to him to use. And something went very slightly wrong with his trip. He complained for hours. In that art class I know that there are several women who are quite poor and who are struggling to get by in life. They don't complain. He complains.

It makes me think: do rich people actually just enjoy being cruel in front of people who have a lot less? Does it make them feel powerful?

For example If I am earning 130,000 a year and going to my family's summer house in Greece,

does it make me feel even more powerful and rich to complain about these things , in front of a woman who I know is struggling to feed her child..

Scalottia · 21/04/2023 11:41

Tealsofa · 21/04/2023 11:38

OP has posted a money-related post in the Money Matters topic
No she didnt - MNHPQ moved it

Show quote history

For the second time, I missed that because I came in afterwards, the thread got big quickly! Guess you haven't read the full thread either otherwise you would have seen where I acknowledged that I made a mistake.

Hungrycaterpillarsmummy · 21/04/2023 11:43

Scalottia · 21/04/2023 11:38

How does a comment like this help anyone? It just makes you sound bitter.

OP you really just need to get better at budgeting. Get professional advice, you can afford it. Never ask MN for advice on money if you aren't poor. Ignore the bitter responses.

Show quote history

She didn't ask for advice! She moaned at the tax system. That was literally it

PinkPlantCase · 21/04/2023 11:44

summerfinn · 21/04/2023 11:31

I'm not taking the piss. We bought a lot of furniture ect to make the house comfortable and to our standards we have been paying this off.

Show quote history

Wouldn’t it have been better to put that money towards a house though? Rather than getting into debt on furniture? Too late now anyway.

Goodoccasionallypoor · 21/04/2023 11:44

Op, as a genuine poster, you seem to be doing a sterling job of pushing everyone's buttons.

My partner and I had a child before buying a house and I agree that it is very hard to save for a deposit in that position, even on a good income.

I also agree that Irish taxpayers do not get good value for what they pay.

But you are not struggling financially- you can save quite a lot, quite quickly if you stop spending money on other stuff. Buying expensive cars and furniture when you are saving for a first house is unnecessary and will only hold you back.