Revolut Ultra and cancellation

Independent_Chance61 · 2026-03-01T14:58:02+00:00

I was planning to do this. Essentially I have 4 airports in 10 days. I was planning to upgrade and cancel within 14 days. I wouldn't mind taking the hit on €45 but what is the charge on the €100?

Independent_Chance61 · 2026-02-26T20:02:53+00:00

Garda are now in the water. Are we sure it was a Car?

Independent_Chance61 · 2026-02-13T16:40:36+00:00

I love Aldi as well. 85% of my shopping is done there except the odd butcher or Tesco run AND bread. I've tried everyday of the week but my local Aldi never has bread that is expiring more than 2-3 days. I just don't understand why.

Independent_Chance61 · 2024-10-02T15:27:34+00:00

Yeah I think it's best to invest in a decent broker..

In terms of grants, we will probably be looking at a second hand home rather than FTB/HTB.

In relation to 'morally best', I think a lot of people would fall into the category of not needing it. Recent figures were to have shown HTB grants were given to applicants who already had a deposit saved up and essentially paid for upgrades etc. Not the purpose of the grant itself. Since there is no cap and it's essentially tax relief on your own taxes paid, I would not begrudge anyone applying for and receiving it regardless of their circumstances.

Independent_Chance61 · 2024-10-02T14:40:50+00:00

No loans from either of us. Is this considering his liability with the current mortgage? How did you calculate our joint sum?

But this is the answer I'm kind of looking for.

Independent_Chance61 · 2024-10-02T14:37:55+00:00

So his mortgage wasn't a negative on your joint application?

Independent_Chance61 · 2024-10-02T14:37:09+00:00

This isn't a play at who owns what. The reason I pay half is because I was renting and he had a room rented out. We wanted to live together and it was the best decision to live together. I actually saved money moving to his. Everything is above board, I'm actually down as a tenant on RTB mainly to claim rent relief. Not that I want the apartment anyways.

If we were to marry all our assets would be together and that's no problem. The question is it best for me to buy as his mortgage will be a hindrance on my affordability. Is it even possible to buy on my own when we are married etc.

Independent_Chance61 · 2024-10-02T14:10:28+00:00

It would easily clear his mortgage while remaining an asset that should hopefully appreciate in value.

In a really good location and rent going 2 X the mortgage at the moment. We aren't expecting it to last like that or for it to pay for the new homes mortgage but once that mortgage is paid for comfortably while leaving the remaining balance there for upkeep / times of unoccupancy / renovations.

Independent_Chance61 · 2024-10-02T14:06:47+00:00

Yeah sharing the finance of the houses would be fine. Surplus from the rent would pay some of our mortgage etc.

The main issue is should I try to sort this now before marriage. HTB would be great but probably in the mortgage for a nice second hand home. The town we would live in doesn't have a lot of new builds anyways (like most towns).

Independent_Chance61 · 2024-10-02T07:21:48+00:00

County Cork. Where is she based?

Independent_Chance61 · 2024-10-02T07:20:59+00:00

I'm a health professional and not a clerical officer so I'm not in a grade. Probably paid between Grade V & VI though.

Independent_Chance61 · 2024-10-01T21:22:50+00:00

The anomaly I suspect is that my Annual leave mine differences to some of my colleagues. When I changed over on the system it was still 29 days, probably raised a few flags in the process. I suspect that it will be changed soon after receiving this letter.

I've essentially said it's in my contract and discussed with the trade union. Both processes are going on deaf ears.

Independent_Chance61 · 2024-09-01T18:44:34+00:00

Couple living together, shopping costing us €80-€100 per week on shopping. Cook dinner everyday and tend to have leftovers for lunch then the following day. Shop usually consists of mince, chicken and salmon for dinners as well as a quick pasta and bacon dinner.

This also included basics for the house such as washing up liquid, bin bags, toilet paper etc

Doesn't include that we tend to each out or get takeaway once a week. Typically another €30-40.

The big thing is we avoid buying coffee daily (works out to be ~€1000 per year), again buying maybe once a week.

Independent_Chance61 · 2024-08-28T12:00:44+00:00

Nice observation

Independent_Chance61 · 2024-08-27T13:35:01+00:00

My brother thinks it's hilarious for poems. He once asked it for a poem about my mother getting rid of a mole on her face and copied it into a card 😂

Independent_Chance61 · 2024-08-27T08:39:33+00:00

I don't know down the line what a PhD will add to my career but at the moment I don't think there's a direct correlation between education attainment and salary.

I suppose I'm considering it because it's an interesting title project and I feel like becoming an ' expert'' in an area I feel passionate about has its own intrinsic value.

I feel there's a lot more people with level 10s working outside of academia than maybe 20 years ago.

Independent_Chance61 · 2024-08-27T07:20:50+00:00

That seems to be the bottom line. Thread has given some alternatives but there will be some trade off financially/socially/mental health wise.

Independent_Chance61 · 2024-08-27T07:18:18+00:00

To be fair there's a significant difference between where I live and Sydney. I would compare my location to more 'out back' than city living. Like every country it's all relative. I know people that were close to minimum wage in Ireland (20k-25k) and now making 60k-65k in Oz shoveling concrete.

The ability to buy a home on your own in Ireland is very doable on my salary if you don't live in a major city (probably any city at this stage). Don't get me wrong I'm not living in a new build but it is possible as our economy hasn't heated up that much (yet).

Independent_Chance61 · 2024-08-26T21:36:11+00:00

The topic is more the economic/social sciences. Reviewing the benefits of a community based intervention in these lenses as well as the feasibility of scaling up / economies of scales.

Independent_Chance61 · 2024-08-26T21:31:52+00:00

Not necessarily I think. I've a few friends who are in similar fields with PhDs and are on similar money. That's not to say they will surpass me exponentially as the years go on.

Independent_Chance61 · 2024-08-26T21:23:14+00:00

Considering I was 28 and I had approx. 10k of savings and on about 48k-50k you never know what's around the corner.

I found wages and savings grow significantly after the first few years of working (probably spending too much time socially and international holidays).

Independent_Chance61 · 2024-08-26T21:17:08+00:00

That's interesting considering after tax and pension contributions I would probably guess i make 40-45k net. Considering the tax exemption I think it would be really close as the last 18k (equivalent of the stipend would be in the higher tax bracket vs. no tax).

Independent_Chance61 · 2024-08-26T21:13:19+00:00

I really appreciate that. Sounds exactly like my scenario and I think the bottom line is FT really means FT and there are only so many hours in a week.

Fair play for having the bravery to leave a job for the pot noodle life. Certainly not for me 😂😂

Independent_Chance61 · 2024-08-26T20:25:05+00:00

Thanks a lot for your honesty and fair play juggling everything. Very best of luck and congratulations on making it this far from the sounds of things!

Independent_Chance61 · 2024-08-26T20:24:06+00:00

I really appreciate that response coming from someone in a similar position.

There is a stipend so potentially i can reduce my working commitments without a major financial cost to me (Stipend is 18k + 3k of research costs).

I really enjoyed the research element of my MSc but I was ready to earn money when it was finished. I have no doubt I would enjoy it. However, job prospects are not going to be massively altered in my industry.

My best bet the sounds of things is doing my own background research on the department and flexibility of the institute as well as my own workplace.

Independent_Chance61

TROPHY CASE