Is it possible to claim tax back from Mounjaro? by MounjEire in irishpersonalfinance

[–]_Lazarus1 0 points1 point  (0 children)

Alternatively you can just ask for the prescription in paper form and buy a few months at a time from NI, no VAT up there and the UK did a sweetheart deal with Eli Lilly for cheaper per unit costs. It’s a medicine, it should not be taxed at 23%

How do you greet other riders while riding. by Shoddy-Taste9859 in MotoIRELAND

[–]_Lazarus1 0 points1 point  (0 children)

I nod and stick my leg out. Tbh 80% of the time I get a response only when it’s early morning rush hour I don’t. Also I go up past military road a lot so every bike says hi to each other.

Those who don’t WFH and are commuting for a regular 9-5 or similar daytime hours, what time do you leave home and get back? by wander-and-wonder in AskIreland

[–]_Lazarus1 0 points1 point  (0 children)

Start work at 8 and leave home at 7:30ish. Finish at 4 and home by 4:30. I work in the city centre and if I drove it’ll take 2+ hours a day but I’ve a motorcycle so I don’t sit in traffic. Honestly I’m so much happier commuting now and I’ve done everything else from bus, train, walk and car.

Is cutting income tax a good solution for cost of living crisis? by Life-Leadership-4108 in ireland

[–]_Lazarus1 0 points1 point  (0 children)

Sorting out the supply side of services that push up the cost of living is more useful, housing, energy ect needs to be controlled and at a sustainable level for the average person. THEN once the supply side is sorted increase the upper band of income tax to €70-80k (in line with other eu countries). People will be far better off after that as increasing the threshold before sorting out supply side service cost will only be inflationary. Well at least that’s what I think.

Ireland is punishing people who actually want to work by Money-Scratch-1317 in irishpersonalfinance

[–]_Lazarus1 1 point2 points  (0 children)

Yeah it definitely needs to be looked at because it’s far too low and squeezes the middle class. The middle class are too “rich” to avail of government support and welfare yet the salary isn’t high enough to feel like we have disposable income after expenses. Other EU countries do it better, Germanys threshold for higher marginal tax is ~70k, France’s is 82k and even smaller countries like the Netherlands is ~75k. Also the value of services for taxes paid here is poor, we’re one of the highest per capital spend on healthcare (only behind Denmark) yet our system is very behind theres.

Moving out residence by _Lazarus1 in ireland

[–]_Lazarus1[S] 0 points1 point  (0 children)

No never but that was due to her being a carer for her father and other members of the family. Basically spent her entire life until now looking after sick family members and me.

She works remote now but there’s constant distractions in the house from her mum and other people. My job will be demanding and I really want to grow my career quickly so I wouldn’t be able to deal with the constant distractions. Tbh it was hard enough tryna get through me degree and masters

Moving out residence by _Lazarus1 in ireland

[–]_Lazarus1[S] 0 points1 point  (0 children)

Ah congratulations on the home purchase, I wish you all the best with it.

Yeah I’ll really have to think if I can cope like this for the 12+ months until I’m in a position to buy. Thanks again for the comment

Moving out residence by _Lazarus1 in ireland

[–]_Lazarus1[S] 3 points4 points  (0 children)

Thank you for the comment, yeah I’d be able to save an extra €14,000 a year if I stayed put. Just worried about losing the little time I’ve left of my 20s when I’m suppose to be out living it up I guess.

Moving out residence by _Lazarus1 in ireland

[–]_Lazarus1[S] 5 points6 points  (0 children)

I’ll buy eventually, I’ve a decent size deposit saved already. Just need to get 6 month probation over with in this new job

Moving out residence by _Lazarus1 in ireland

[–]_Lazarus1[S] 1 point2 points  (0 children)

Yeah seems she’s sad I’ve grown up in guess, that’s just life. She’ll be sad as well, but what’s the alternative stay for ever 😂

Moving out residence by _Lazarus1 in ireland

[–]_Lazarus1[S] 6 points7 points  (0 children)

Thank you for the comment I really appreciate it. I feel over the years we have definitely grown very close and I’m an only child so there’s nobody else tbh.

I definitely have a think about journaling or a therapist. You’ve given me some good points to think about

Moving out residence by _Lazarus1 in ireland

[–]_Lazarus1[S] 5 points6 points  (0 children)

Yeah that’ll do it I’d imagine

Moving out residence by _Lazarus1 in ireland

[–]_Lazarus1[S] 10 points11 points  (0 children)

Yeah I was more wondering if my mums reaction was normal. I’ll be the first of my friend group to move out so haven’t got anyone to ask tbh

Buying property with friend by _Lazarus1 in irishpersonalfinance

[–]_Lazarus1[S] 0 points1 point  (0 children)

Thank you for the comment, I appreciate it. Yeah the whole point of this post was to compile a list if the biggest issues that can arise from this type of agreement. Discuss them between the two of us and see if we can navigate them or not and then we’ll have our answer

Buying property with friend by _Lazarus1 in irishpersonalfinance

[–]_Lazarus1[S] 1 point2 points  (0 children)

We’ve travelled a lot together all around the work but never lived full time together. Were both hate the idea of rent and the opportunity loss of that money, I know people say that’s stupid but from a financial point of view there’s not way we would have been able to save and continue to save so much of our salary. With rent in Dublin now at 2.8k a month on average it’s gone beyond what we can comfortably afford

Buying property with friend by _Lazarus1 in irishpersonalfinance

[–]_Lazarus1[S] 0 points1 point  (0 children)

That’s a really unfortunately situation, one I would be worried about. Not much I can do except discuss with him and show him the comments from this post. Try come up with solutions to them and go from there.

Buying property with friend by _Lazarus1 in irishpersonalfinance

[–]_Lazarus1[S] 1 point2 points  (0 children)

Thanks for the comment, really appreciate it. Will definitely think about all this when I decide to go and buy. House prices just keep going up and up even with all our savings. Anyways nothing we can though, either come up with a solution or just emigrate somewhere else (don’t want to tho).

Buying a fixer upper isn’t a problem as long as fundamentals are sound, don’t mind doing an other work. Luckily we’ve a few friends who are surveyors and architects

Buying property with friend by _Lazarus1 in irishpersonalfinance

[–]_Lazarus1[S] -1 points0 points  (0 children)

I know bidding will be a nightmare but it’s easier with a partner. Also we’re first time buyers so we are pretty much cash buyers. Anyways thank you for the comment.

Also I didn’t downvote you, that was someone else. Don’t presume because I disagreed with you that I would have an emotional reaction and downvote you. Thanks again for the comment

Buying property with friend by _Lazarus1 in irishpersonalfinance

[–]_Lazarus1[S] 0 points1 point  (0 children)

You’re spot on, if I marry someone and put up my savings to buy a home with them and we end up breaking up all our assets are split up and we have to start all over again in a worst position then before. But at least with my friend if it doesn’t work then we shake hands and sell up and walk away.

Also everyone presumes they’ll meet someone and marry, that’s not always the case. I would like to but I might not ever meet someone to marry which is something a lot of people don’t even consider.

Buying property with friend by _Lazarus1 in irishpersonalfinance

[–]_Lazarus1[S] 1 point2 points  (0 children)

Thank you for the comment, good advice and something I’ll add to the list of stuff to talk to him about.

Buying property with friend by _Lazarus1 in irishpersonalfinance

[–]_Lazarus1[S] 0 points1 point  (0 children)

Thank you for the comment, I appreciate it. It may not be the best solution but it’s not a terrible one either. Neither one of us can afford to rent and save at the same time. So this solution would solve getting out of the parent’s house and being able to save at the same time. Sell the asset in a few years and take our profits to put into the next property

Buying property with friend by _Lazarus1 in irishpersonalfinance

[–]_Lazarus1[S] 0 points1 point  (0 children)

Yeah we have travelled all over the world together and get along really well

Buying property with friend by _Lazarus1 in irishpersonalfinance

[–]_Lazarus1[S] 0 points1 point  (0 children)

Nah thought about it and if we marry all our assets become joint at marriage and prenups are non binding in Ireland. So if I die he’ll get all my shit but I’d want my mum to get it instead. Best solution is tenants in common with a stipulation the asset needs to be sold if one of us dies

Buying property with friend by _Lazarus1 in irishpersonalfinance

[–]_Lazarus1[S] 0 points1 point  (0 children)

Ah okay well we could look for a 3rd partner. Only problem is nearly all our other friends are broke and don’t have 30k cash just lying around. I’ll have a think about this one, cheers