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Managing Finances
 
# 46 : Wednesday 12-4-2017 @ 11:26
 
 
I have 9 nieces and nephews so I team up with my twin and we get a better present together than we would manage on our own. Its still hard to save for other things when you have 2 or 3 birthdays close together not to mention Confirmations and Communions, Mothers Day, Fathers Day, etc. I am getting a bit tired of the whole setup - especially as other siblings don't bother buying stuff for anyone.
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# 47 : Wednesday 12-4-2017 @ 12:09
 
 
Tricky alright and inconsiderate of them not to give anything back.


I'd go for much cheaper gifts, if I were you.


That reminds of one X-Mas when I bought gifts for my brother, his girlfriend and their kid and they gave me nothing at all with no fucks given.

Thanks, bro!

Stole his special edition LOTR DVD instead!
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# 48 : Wednesday 12-4-2017 @ 13:02
 
 
We don't spend a fortune actually, usually about €40 between us. We spend more on the parents though. It's just there are so many celebratory milestones these days.

Anyway, it's a given in our family that we, as adults, get no presents but it annoys me when some of them happily remind you of their upcoming child's birthday but don't bother showing up for their nieces and nephews.
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# 49 : Wednesday 12-4-2017 @ 13:35
 
 
Someone said :
I'm wit you on this one, and I do not like to give in to these pressures at all.

The last few years I have had little to no money and as a result only my nephew, niece, brother and parents have gotten a (cheap) X-Mas present from me.

And no fucks given.

For Xmas, the solution is the Kris Kringle / Secret Santa / Kris Kindle.
1 decent present to one adult. Period.


Someone said :
I have 9 nieces and nephews so I team up with my twin and we get a better present together than we would manage on our own. Its still hard to save for other things when you have 2 or 3 birthdays close together not to mention Confirmations and Communions, Mothers Day, Fathers Day, etc. I am getting a bit tired of the whole setup - especially as other siblings don't bother buying stuff for anyone.

The solution here is: become a Jehova Witness. They do not do any of these celebrations!
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# 50 : Wednesday 12-4-2017 @ 13:43
 
 
That certainly is a reasonable and adequate solution.
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# 51 : Friday 2-6-2017 @ 09:12
 
 
Afters many years of constantly being broke and/or in debt I have now paid off all of it and have a couple of thousand saved!

Feels great!
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# 52 : Friday 2-6-2017 @ 10:51
 
 
Credit cards are not to blame as such. It's in the way you manage them. I was in London recently and used my credit card throughout. No need for cash at all. Just check your balance regularly and transfer the money into your credit card account as you go along. In fact it shows were you spent the money but it's easy to ignore your balance and just let it run up. I just pay my card every week. No interest,no charges and no problems.
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# 53 : Friday 2-6-2017 @ 11:21
 
 
I don't trust myself with one. Used to have it, when I got it I had a low credit limit and used only to book flights. But soon started over using it and had over 7,000 euro on it at times. never again.
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# 54 : Friday 2-6-2017 @ 12:02
 
 
Someone said :
Credit cards are not to blame as such. It's in the way you manage them. I was in London recently and used my credit card throughout. No need for cash at all. Just check your balance regularly and transfer the money into your credit card account as you go along. In fact it shows were you spent the money but it's easy to ignore your balance and just let it run up. I just pay my card every week. No interest,no charges and no problems.

This only work for people like you and I who basically use it as a debit card.
But people who struggle with finance, will not be able to control their use of the credit card: the tool becomes the problem, and that tool is to blame for being so complacent with "credit".

Some people just cannot trust themselves with credit, just like some people cannot resist finishing the bag of sweets or the full pack of chocolate. In that latter case, family size servings are rightfully to blame: they indulge the lack of control of the individuals.

(Individuals are still responsible, and not blameless, but the complacent tools are also to blame...)
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# 55 : Monday 24-7-2017 @ 21:09
 
 
in need of a good accountant myself. How would you know if an accountant is good if you don't know anyone?
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# 56 : Monday 24-7-2017 @ 21:33
 
 
Someone said :
in need of a good accountant myself. How would you know if an accountant is good if you don't know anyone?

You don't. Like any professional they may have all the strappings but still suck.
(And I am not talking about dungeons...)

Start by looking them up on http://www.charteredaccountants.ie/Find-a-Firm#firm
Or http://www.cpaireland.ie/your-business/business-resource/finance/ etc ...
Or http://www.accaglobal.com/ie/en/member/find-an-accountant.html?is etc ...
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# 57 : Monday 24-7-2017 @ 21:48
 
 
Many thanks for the helpful links, BlaH.
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# 58 : Monday 24-7-2017 @ 23:00
 
 
Pow Pow, if you are paid every two weeks you should make mortgage payments every two weeks. Doing so will significantly reduce your interest costs over the term of the mortgage. The lender mightn't like you doing it but I'm sure you can seek a change in the terms to allow it.
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# 59 : Tuesday 25-7-2017 @ 09:03
 
 
Hi I'm an accountant, send me a message I might be able to help
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# 60 : Tuesday 25-7-2017 @ 12:59
 
 
Someone said :
Pow Pow, if you are paid every two weeks you should make mortgage payments every two weeks. Doing so will significantly reduce your interest costs over the term of the mortgage. The lender mightn't like you doing it but I'm sure you can seek a change in the terms to allow it.

I'll look into that John thanks. I was going to set up a budget account where some of my wages are put into a seperate account and then paid out when mortgage is due.
I think about twice a year I get paid three times in a one month period also.
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