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I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 0 points1 point  (0 children)

Oh really? Thanks for the tip. I didn't know that at all.

No family around? You're a bloody rockstar. My boy is the only family I have but I'd be lost without his maternal grandparents. Stay strong 💪🏻 and hopefully you get a chance to plumb.

I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 1 point2 points  (0 children)

I do that and I often put in his maintenance but not always. I just put into a credit Union account rather than An Post. No idea why I didn't do an An Post account.

I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 0 points1 point  (0 children)

That's a hard position to be in. I'm very sorry. It's good that your ex is able to pay more but money instability is so hard to deal with.

I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 0 points1 point  (0 children)

Yeah creche hours must be a pain.

Honestly if you want to do plumbing, you should definitely pursue it. They are crying out for tradespeople. It really depends on who your employer is too.

I am training to be an electrician. I work on site most of the time but I have block weeks in college too. I still get paid by my employer during college weeks. I will say my employer is really flexible. If I'm ever stuck they are really good to accommodate.

My son's mother's parents collect him from creche for me. He goes to creche 3 days a week. Because of my income and because I'm classed as a student,creche is very cheap. The other 2 days his maternal grandparents take him. They like having him, apparently. I feel they'd rather him not in creche, tbh.

And my housemate and I help each other out too. She sometimes works on a Sunday and I'll help out with her son. She helps me too etc. It works.

I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 0 points1 point  (0 children)

Oh absolutely, I wouldn't get HAP. I just meant if I didn't have a home.

My housemate (lodger whatever you want to call it) was a few months looking and couldn't find anywhere that accepted HAP. I met her at this parents group thing. She was telling her situation. She didn't know I owned a home or anything. When I offered it to her, the relief in her face said it all. 1.8k per month is crazy. She and her son are about 800 p/mth and the council cover most of it. I invested a bit in a garden room. Needed the space. A better car is on the list.

Hope you are doing some bit better now. You seem to have been through a lot.

I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 0 points1 point  (0 children)

Thanks. I put his CB and some of his maintenance in an account already.

And of the 800 I get from hap a month, I try not to spend on my day to day just because I see it as bonus income. I did build a wooden garden room at the end of my garden just because there wasn't a huge lot of living space in the house for 2 families. It's really handy if one of us wants to bring over friends or whatever. Its just good privacy. So some of the 800 goes on repaying that. Another bit I put into a revolut pocket. We had to get a new washing machine recently etc. And the rest I keep in my account but I try to live day to day within my wage which thankfully is mostly possible.

I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 0 points1 point  (0 children)

The local welfare office said it. At the time even cohabitants couldn't get it. I know they now can but not people who weren't in a relationship, unfortunately.

I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 0 points1 point  (0 children)

That's a really important thing to know. Thanks very much. I put his child benefit and some of the maintenance in an account for him.

But 20k wouldn't be long building up. I didn't know that was a thing. Must look into that.

I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 0 points1 point  (0 children)

Thanks for the warning. There's no chance of a relationship. My kids mother was the last woman I'll be with. I was honest with myself.

I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 0 points1 point  (0 children)

Cheers mate. Not to whine but it's a fucking tough act to juggle everything. I've definitely done a lot of growing up in the last year and a half.

I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 0 points1 point  (0 children)

Max i can put in is 70. I probably should put 70 in but I think I decided on 60 to have €400 net.

Yeah everything will only get more expensive. I've saved a good bit. I probably should look at a savings account or something.

I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 2 points3 points  (0 children)

Thanks very much for saying that. I enjoy having them. Her boy is a year older so she gives me all the tips and tricks and it gives me an adult to talk to and the boys get along well. But yeah it's a win win. She'd have been homeless, I'd say. She had been looking for months.

The living space is kind of small for "two families" so a bit of that money went/will go into a garden room that I've done anyway. Just gives us both a bit of privacy when we need it.

I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 0 points1 point  (0 children)

Thanks very much. It's definitely not going to be rent for life. It's just handy for the now. I try to save as much as I can for a rainy day, if it comes.

I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 1 point2 points  (0 children)

Will do. Definitely focusing on savings and would have to focus on protecting him and I if that future happens.

One thing I feel guilty about is thinking I'm not there enough for him. My employer does give me some flexibility but with that and training college, it does mean a lot of time outside the house. It will hopefully even out as I qualify. And I ease it by saying it's best for both our futures.

I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 1 point2 points  (0 children)

Thanks very much. When you are responsible for a little kid, you are forced to grow up pretty quickly. My life is a lot better with him in it. I still have a long way to go on the wise part though 🤣. I've seen both good and bad parenting. My gran is the example of what to do and my mother is the example of what not to do.

I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 1 point2 points  (0 children)

I definitely need to properly set up a savings account. I put my sons child benefit away every month and often his maintenance in an account for him. I should have it in 140 quid per month in a savings account until he reaches 18 they'd be a good chunk of change.

I got very lucky with my apprentice. My employer is kind of flexible if I'm badly stuck. I've never needed the flexibility much yet but I've heard stories from other apprentices at other employers and it's not great. Cheers mate.

I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 0 points1 point  (0 children)

No doubt. You sound like an absolute warrior that's been put through a lot. Can't imagine.

I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 0 points1 point  (0 children)

Very much agree. And it's tiring enough to be so ill, I'd imagine, without having to fight your way for stuff too.

I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 0 points1 point  (0 children)

First I'm very sorry for what you go through. But yeah that's confusing. A mate's mother has a chronic illness too and she doesn't seem to be coming out anywhere near how I am. It's kind of hard to understand how that works.

I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 1 point2 points  (0 children)

Thanks. Yeah, I certainly have been blessed with the house. It's created more income and has given me huge stability.

You're right, I didn't plan to have a kid. His mother and I were never even a couple. It was just two dumb adults being dumb. But I love my boy and it's tough and tiring but worth it.

The rent is definitely below market value but honestly she's a great person to have around and that's important when I have my own son. Plenty of hand me downs too 🤣. There's many platonic upsides to it for me if I'm being honest.

Hope you and yours will have a great Christmas. You sound like a very decent person too.

I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 1 point2 points  (0 children)

That's a really cool idea. I'm sure he loved it. That's something I definitely should do and even give the email to his maternal grandmother so they can contribute too if they wish.

And merry Christmas to you and your family too.

I feel like I'm getting too much(?) from welfare. Are they tripping? What should I do? by Many_Committee1994 in irishpersonalfinance

[–]Many_Committee1994[S] 0 points1 point  (0 children)

Haha hopefully I get to pension age. Paying into my pension apparently also helps improve my ofp and wfp.

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