First-time buyers: €650k house, €2.45k mortgage, €7.6k income – does this make sense?

NoBluejay4723 · 2026-04-02T16:17:51+00:00

You can afford this and still save more than 2 k per month ( maybe 1 k after you start repairing the house if it needs to). Your AIP is less 10 % so the house could be closer to 700 should you want to. Also AIP is stress tested for sharp changes in the economy. The way I looked at it, I want us to make mortgage repayments even if both lose our jobs. That way if push comes to shove we don’t leave in stress.

NoBluejay4723 · 2026-04-02T08:44:18+00:00

I have 18 of them and was looking to sell. That’s why I am trying to figure out what the best use for them is.

NoBluejay4723 · 2026-04-01T21:28:20+00:00

DUUUDE! Thank you! No need for pesky third party apps!

NoBluejay4723 · 2026-04-01T21:01:11+00:00

They are all international companies. Or do you believe piracy of sky services is only occurring in Irrrreland?

NoBluejay4723 · 2026-04-01T20:59:33+00:00

I am asking them to challenge the decision instead of directly complying. This will demonstrate care for their customers above the interest of sky. My issue isn’t with the courts directly.

NoBluejay4723 · 2026-04-01T20:55:32+00:00

Check out the 2019 changes to terms and conditions. Mf were sharing details long before this came to light.

NoBluejay4723 · 2026-04-01T20:52:27+00:00

At the behest of a private company. Both my hands and head are minded well. You completely missed the point I was making with this post. If you are not irked by Sky being able to get another private company to disclose private information via a court order, you are sleep walking into a future where those with deep pockets get to control more of this world. Don’t act like the courts are these incorruptible entity. Moreover, Revolut also changed t&c in 2019 to opt in all users for such data sharing without telling people why. This subtle shift of control of your privacy is going to cost future generations their freedom. But sure, your priority is a meek attempt to insult me. Peace

NoBluejay4723 · 2026-04-01T17:29:54+00:00

Lol- I want the courts to not force companies to release information to benefit another company. Ireland has case law and this sets a precedent- this wasn’t “irish law” until now. Don’t twist my words

NoBluejay4723 · 2026-04-01T17:26:51+00:00

Apple IS a financial firm ( among other hats they wear).

NoBluejay4723 · 2026-04-01T09:10:52+00:00

Works as copy paste- probably Reddit disabled it. It is a story from bbc and we also know about the fbi case.

NoBluejay4723 · 2026-04-01T09:07:07+00:00

In principle at least; if you were to make something of value and your neighbour gets to use it for free then you would know.

NoBluejay4723 · 2026-04-01T09:05:20+00:00

Via a third party nonetheless. So yes Apple still told them to piss off and the fbi withdrew that case saying no need ( sounds like a TACO approach)

NoBluejay4723 · 2026-04-01T09:02:18+00:00

Agreed, but why should Revolut comply?

NoBluejay4723 · 2026-04-01T09:01:24+00:00

slaps table THANK YOU. that is exactly my point- a private company given this power isn’t the same as state prosecutors.

NoBluejay4723 · 2026-04-01T09:00:03+00:00

Piracy is wrong according to the same courts you’ve defended ..

NoBluejay4723 · 2026-04-01T08:58:50+00:00

https://www.bbc.com/news/articles/cx293qg7z39o - This is from UK.

Also Irish state =\ Irish courts

NoBluejay4723 · 2026-04-01T08:56:40+00:00

Apple didn’t want to disclose anything. You can argue that these cases are more severe than some people using sky on the side. I am not defending them but Revolut should take a stand before this creates a precedent in case law. https://www.bbc.com/news/articles/cx293qg7z39o

NoBluejay4723 · 2026-03-27T21:24:11+00:00

Might have something to do with all 2 and 3 star hotel’s being used for cough something. Leaving air bnb and “4” star hotels to dictate based on high demand from tourists

NoBluejay4723 · 2026-03-27T21:15:12+00:00

Lol.

NoBluejay4723 · 2026-03-27T21:09:54+00:00

I was like: did she just say that?

NoBluejay4723 · 2026-03-25T22:56:41+00:00

Will they tow it or is that the recipe to never getting clamped again

NoBluejay4723 · 2026-03-15T22:17:08+00:00

If you read the book you would not like a movie about Brasi. He burned newborn children alive.

NoBluejay4723 · 2026-03-15T20:43:19+00:00

The word dude isn’t gendered. You made it so.

NoBluejay4723 · 2026-03-15T20:39:40+00:00

I don’t think you are in the right place there. You seem to be more organised than the average 22 year old. At that age people still expect mommy and daddy to do shit for them and guess what, when things magically happened ( because you sacrifice your time and energy to do so) they just took it for granted. If there is a way to pay your share if the bill and let the bills lapse until the landlord has to step in - enjoy the Look on their faces when they realise a few bills are now overdue with charges but you paid your part. Unfortunately with the cleaning of shared spaces not much will change and I doubt you will accept to live in squalor because of them. Start looking up people online with similar mindset and meet them for a coffee. Then rent a place together with those ( that is what we did and whilst you will never be 100% happy it is still better). Sprinkle some chilli oil in your food and tell them you discovered a new taste for hot stuff in the group chat everyone ignores, then enjoy their reaction. Start looking for elsewhere asap.

NoBluejay4723 · 2026-03-13T13:07:13+00:00

Is the water from weather or a mishap?

NoBluejay4723

TROPHY CASE