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WELCOME TO HOW I Spend My Money, a series on The Journal that looks at how people in Ireland really handle their finances. We’re asking readers to keep a record of how much they earn, what they save if anything, and what they’re spending their money on over the course of one week.
Are you a spender, a saver or a splurger? We’re looking for readers who will keep a money diary for a week. If you’re interested send a mail to money@thejournal.ie. We would love to hear from you.
Each money diary is submitted by readers just like you. When reading and commenting, bear in mind that their situation will not be relatable for everyone, it is simply an account of a week in their shoes, so let’s be kind.
Last time around, we heard from a public relations manager on €42K living in Dublin. This week, a production manager on €78K living and working in Co Meath.
I’m a production manager currently living and working in Meath. I was lucky enough to build my own house back in 2008/2009 when there was still value for money, which allowed me to have a manageable mortgage.
Roll on 17 years later, having been married and now legally separated, I had to get a new mortgage on the house for the separation and all my savings are gone. I’m now starting from scratch again. I was always a good saver and have now started to put away €1,450 in savings each month.
I started about 18 months ago renting rooms out in my house to help pay the new mortgage. I also rent out the granny flat attached to the house. This gives me an additional income of €2,050 in total after tax each month on top of my salary.
I’m very lucky to have this as it allows me a bit more financial freedom to enjoy my hobbies, one of which costs about €100 a weekly.
At the end of each month, any monies left over I split into two more savings accounts – the first account for extra mortgage payment, the second account for any extras which might pop up over the year, such as holidays, weddings and birthdays.
Occupation: Production manager
Age: 48
Location: Meath
Salary: €78,000
Monthly pay (net): €3,890 + €2,050 = €5,940
Transport: €0 (company van)
Mortgage: €1,112
Bins: €325 per year
Electricity monthly: €165
Broadband: €55
Hobby: €400
Pension: €550 work, also contribute €550
Phone bill: Work covers this
Health insurance (weekly): €21.75 BIK rest covered by work
Insurance policies: €165
Groceries: Varies a lot but about €370
Subscriptions: Netflix and Spotify – €27
Cleaner: €150 ***
5.45 am: I get up to go to work. I let the dogs out and get ready for work then I’m out the door. I drive to work, which takes about five minutes.
6.30 am: Get to work. Once in the office, the coffee machine goes on and I have a banana and one hard boiled egg.
10.30 am: Emails answered, I head home for 20 minutes. Grab a cup of tea and two slices of brown bread with cheese.
11.00 am: Back in the office for more paperwork.
1.30 pm: Another coffee and I head out of the office for a 10/15 minute walk around the area. I find this clears the head and gives me a break from the computer screen. I would very seldom take a 30-minute lunch break.
1.45 pm: Start planning out the rest of my week. This time of year is always very busy for me with planning PM schedules/stock takes and meeting suppliers.
4.00 pm: Computer off and head home. It’s a miserable evening with light misty rain. Neither myself or the dogs are in the mood for a walk, but we get ready and head down the fields.
5.20 pm: Back from the walk. Dry myself off and feed the dogs.
5.45 pm: Head down to the local pub and meet a few of the lads. Have a bit of a laugh and get three pints.
7.20 pm: Back home. Have dinner, which is leftover from Sunday – a bit of roast beef, spuds and vegs. Stick on some boiled eggs for tomorrow. I try to always have an extra dinner cooked for myself when I do my cooking. Pour myself a glass of wine then Netflix and chill.
10.45 pm: Let the dogs out for a run, change their water and off to bed for 11 pm.
Today’s total: €16.50
5.45 am: I like routines and I do my best to stick by them as much as I can. I get up to go to work, let the dogs out and then get ready for work before heading out the door.
6.30 am: In work. Coffee and two hard-boiled eggs.
10.00 am: I head home for a cup of tea and two slices of brown bread with smoked salmon.
10.25 am: Back in the office to finish off some notes for some scheduled meetings.
11.00 am: Line managers meeting.
1.15 pm: Meeting over. Grab a coffee and head out for a bit of fresh air.
1.30 pm: Start working on budgets for my department. Get a WhatsApp from a cousin with a tip for a horse in Dundalk. I have a look at him and invest €25 with Paddy Power.
4.00 pm: Out the door and head to the shops and pick up some groceries and two bottles of wine.
4.30 pm: Start my dinner, which is mince meat gravy with spuds and vegs. I do two portions, so Wednesday’s dinner is also sorted along with two boiled eggs for the morning. Dogs don’t get their walk this evening as I have a removal to go to this evening. They’re not happy.
5.45 pm: Pick up one of the lads and head to the removal.
6.30 pm: An executive decision is made on the way home and we pop into the local for a few pints!
8.30 pm: Get home. I watch Cocaine Bear on Netflix and finish the bottle of wine from last night.
10.30 pm: Let the dogs out for a run, change their water and off to bed for 11pm.
Today’s total: €52.50
5.00 am: I wake up a bit earlier this morning and stick on a clothes wash. I have always been a morning person and find it very easy to get up. I would normally wake before the alarm goes off. The rest of my morning is the same before leaving to head to the office.
6.30 am: In the office. Get a coffee, two boiled eggs and an apple. Check my emails and do some prep work for meeting.
9.00 am: My assistant manager is in for our weekly meeting and catch up.
10.30 am: I head home for a cup of tea and two slices of brown bread with cheese.
10.55 am: Pop up to the church for the funeral.
12.30 pm: Back to the office. Working on my budget and check Paddy Power. Happy days – my investment paid off in profit with a nice 11/2 winner.
2.00 pm: A few Zoom calls with sub-contractors for the rest of the evening.
4.00 pm: Head home and go down the fields with the dogs. On the walk, they find some fox poo and decide to have a roll around in it. Great. It’s a bit cold for washing the dogs and they’re not happy either, but they stink!
7.00 pm: Hang out my washing from this morning and have the dinner that I cooked last night. Open a bottle of wine and chill out for the evening.
10.45 pm: Same routine – let the dogs out for a run, change their water and off to bed for 11pm.
Today’s total: Profit of €137.50 from my bet :)
5.30 am: Same routine with myself and the dogs.
6.30 am: In the office. Get a coffee and two boiled eggs. Check my emails and do some more working on my budget.
9.00 am: Planned meeting with the general manager and financial director. It goes very well and I’m given a substantial budget this year for a new line and warehouse. Unfortunately, it will increase my workload quite a bit. I’ve been working for the same family-owned company for about 20 years. When I joined, there were only five employees. It has now grown to over 100 and they have assisted me throughout this time with my own personal development with further education and courses.
10.00 am: I head home for a cup of tea and two slices of brown bread with jam.
10.30 am: Off to another funeral.
1.00 pm: Back in the office for the rest of the day, still working on my budget.
4.00 pm: Call into my parents’ house on the way home to check in on them and have a quick catch up. Both of them are in their 80s now and still relatively good health for their age. It turns out to be a well-planned visit as I get my dinner as well while I’m here!
5.30 pm: Back to the house. No walk again for the doggies this evening as I have another removal to go to. Quick shower and call back to the folks’ house and pick up the father to bring him to the removal. He still drives himself and is quite independent, but does not like driving at night anymore.
8.00 pm: Home and tired after being at the removal. Goddaughters’ birthday is next week, so I buy a present online and I finish off the bottle of wine from last night while watching TV.
10.30 pm: Same routine – let the dogs out for a run, change their water and off to bed for 11pm.
Today’s total: €45.99
5.45 am: Same routine with myself and the dogs.
6.30 am: In the office. Get a coffee and two boiled eggs. Check my emails and do some more paperwork.
9.00 am: Out on the floor for weekly checks with the maintenance team. I still enjoy this as it was part of my original role when I started in the company. Some items spotted in the weekly preventative maintenance, which will need to be followed up next week.
11.45 am: Two interviews for a tradesperson position within the company. Very hard to get good tradespeople these days and the good ones are making big money out on site due to the shortage and less young people doing apprenticeships nowadays.
12.55 pm: Head out for lunch with three colleagues from the office. I pick up the bill (€74.50) as one of the girls is leaving to go to Australia with her partner. They can’t see a future here at the moment with the cost of living. There have been six young adults that I know of who have left Ireland since Christmas to travel and possibly start a better life for themselves.
3.00 pm: Home and get the dogs ready for a walk.
3.45 pm: Home from our walk. I hop into the shower as there’s a few drinks happening in the local pub for the girl heading off.
5.00 pm: Pub, pints and some craic for the evening.
10.30 pm: One of the barmen drops me home and I attempt to make myself a sandwich to the dogs’ delight.
11.30 pm: Bed and badly needed.
Today’s total: €183.50
7.15 am: Up, but feeling the worst for wear from last night. Let the dogs out and have some scrambled eggs and toast and start scrolling on my phone. I only recently downloaded TikTok and I find myself starting to scroll a lot more than I used to. Make a note to myself that I need to delete it.
9.15 am: Driving down to Kildare to pick up some parts, bits and pieces for my hobby. Some of the other lads gave me a bit of a shopping list for them, which I also pick up. (€1,520)
1.40 pm: Back home and unload the van. Have a cup of tea and a sandwich, clean the kitchen counter top after last nights attempt to make a sandwich. I head out to my garage to do a service on the ride-on lawnmower which is long overdue (I had the parts sitting out in the garage the last two months!).
4.30 pm: Hop into the shower. I have a date night with a lovely lady I’ve been seeing for the past few months.
6.00 pm: Herself and her sister call over, her sister drops us to the restaurant. Have a good evening in the restaurant and with it not being too busy, we don’t need to give the table back until 8.30 pm, so we get another bottle of wine and stay there instead of going to the pub for a few drinks. (€194.65)
10.00 pm: Uber and home. Not even a 4km journey home with a cost of €20.60 - it’s not a cheap night out anymore if you need to get taxis as well. Open another bottle of wine and Netflix and chill.
Today’s total: €1,735.20 (€1,140 will be paid back to me over the next couple of days when the lads call and pick up their parts, so it won’t count towards the weekly spend)
7.00 am: Up let the dogs out and make a cup of tea. I head back to bed for an hour or so, then get back up to make a Sunday morning fry up and give the kitchen a clean.
10.00 am: Load up the dogs and drop herself home on the way to the beach. With my hobby, I would normally leave the house around 7am on a Sunday morning, but I’m a bit out of sorts as I very seldom go out on a Saturday night.
1.00 pm: Back to the van feeling a lot better after a good walk on the beach with the dogs. Stop off and get coffee on the way home. (€3.80)
1.45 pm: My favourite part of the week: ironing my shirts for work next week. I turn the telly on to look at the senior club finals in between doing some bits around the house.
4.10 pm: Head down to the pub to look at the second half of the Cuala/Errigal game.
6.20 pm: Back home and stick on some baked potatoes and any other bits available in the fridge. Dinner over, I stick on the TV for a while and the two dogs pop up onto couch with me. We’re all tired after a long walk today.
10.45 pm: Let the dogs out for a run, change their water and off to bed for 11pm.
Today’s total: €36.80
*** What I learned –
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Tolls should be lifted full stop. We already pay car tax.
@JC: these toll roads are privately funded. If they weren’t then they wouldn’t exist and you would still be going through the local towns or the gov would have had to pay the cost of them and probably have to raise taxes to do so. Like a mortgage, these loans have to be paid back and in the meantime all the risks e.g. low traffic during covid etc are borne solely by the toll company. It’s actually a relatively low risk and good deal for the state
@Toca Stories: All well and good but I gather the costs of building and maintaining most of the toll roads have been covered many times over.
The toll should have a limited period, just long enough to recoup costs and make a profit before switching to some other arrangement for ongoing maintenance.
@Toca Stories: They are *part* privately funded under the PPP (Public, Private Partnership) model fondly used by Fianna Fail.
@Steve O’Hara-Smith: you are aware that roads need maintenance, which has a cost? In fact, the cumulative cost of road maintenance tends to exceed the cost of original construction after a couple of decades.
@Name: Read the last sentence of my post.
@Toca Stories: apart from the roads that the government has to pay extra to the company if usage is down, so to say the toll companies take all the risk isn’t true in some cases. No problem with tolls in general especially when they actually get rid of them after the 30 years (or whatever duration) as per the original agreement, although true to form in this country,.none seem to ever be abolished, how long is the east link toll there now?
@Steve O’Hara-Smith: IMO “that other arrangement” should still be tolls under the “user pays” model
@JC: I don’t use that road, why should my taxes be used to fund the maintenance of it.
@Toca Stories: the risks are not borne by the toll company. Like everything else the risk is borne by the the taxpayer. The state had to pay out 9 million euro to toll operators because of roads being used less during Covid
@Toca Stories: I couldn’t disagree more, the majority of these roads were built during the Celtic Tiger when the country was awash with money, and let’s be honest they should have been built decades ago, when motorists were paying a fortune in road tax, to drive on dirttracks. The UK built most of their motorways during the 60s and 70s with the majority of them free to drive on. I have no issue with paying tolls for major road infrastructures such as tunnels or bridges, but not motorways.
@Toca Stories: that is absolutely rubbish,toll company has a contract with the govt ,and on some roads the govt is paying the toll companies because they have not reached their targets
@Steve O’Hara-Smith: that’s exactly what is happening with all of the tolls except the m50 and ringsend- it was a state decision to keep the tolls on those roads. The m50 actually funds a lot of the rest of the network resurfacing and maintenance. If it didn’t then tax revenue would need to make up the difference. Like it or not there is no one making huge obscene amounts of money from tolls. In fact some have actually made a huge loss as the expected traffic never materialised.
@Toca Stories: Off course they would have been built. Financing badly needed road infrastructure is a sure thing in a country like Ireland where tolled infrastructure like the Liffey bridge will pay for itself many times over. The government could have easily built those roads on the strength of toll income alone. PPP’s another FFG racket to enrich a few at the expense of the many.
@Pip morgan: Could say that about anything. Childless people paying tax to fund education, healthy people who never use hospitals paying to fund healthcare etc. In a functioning society tax is used to pay for services for the greater good. Unfortunately in Ireland we pay tax and see it squandered, the childrens hospital being a prime example. We seem to be incapable of using our tax money efficiently. Pity we can’t bring in a scandi government for a few years. High tax but excellent services.
@Pip morgan: There are probably a lot of roads that you don’t use but still you pay for the upkeep. Otherwise why should others pay for the roads that you use and they are not.
@Steve O’Hara-Smith: yeah that’s what Haughey said about the east link (before he realised that one of his rich friends would buy it from the state at a small cost!!
@JC: a key tenet of having toll roads is that there must be a toll-free alternative route. There are. Nobody stopping you from using them.
@JC: absolutely 100% They should . We pay for car tax and our cars get wrecked with. Pot holes. Where is all this toll money going
@Toca Stories: All those toll roads were built under a prublic private contract. So no – private companies did not totally pay to have the M50 or any other road built. The toll was only ever meant to be temporary till the government recouped the money they spent. https://www.irishtimes.com/news/m50-tolling-to-continue-until-2035-1.799406
@Name: What do you think you pay road tax for? Not that hard to figure out – to maintain roads. And lets not forget that most of our motorways were built with money from the EU.
@Pip morgan: I don’t use hospitals. Why should my taxes be used to pay for them?
Tolls should only apply until cost of making the road is recovered. It should not be an indefinite taxation on motorists, where most of the money collected, is leaving the country.
@Patrick MC Dermott: well , in theory it is – when PPP contracts are up ,they revert to state ownership , which should be soonish for some of the roads
The exception is the m50 toll, which is state owned and costs almost the most of the cost of the toll to collect ..
@East Cork Cheeses: the Eastlink bridge is now state owned and a toll still applies.
@Patrick MC Dermott: these costs have to be recovered in perpetuity as there are ongoing maintenance costs, which tend to exceed the original costs of construction. Hence we’ll always have to shell out. Best this is done by the users of the road than the general tax payer.
@East Cork Cheeses: no it doesn’t
@Name: if that’s the case there should be a toll on every road in the country.
@Name: And again – road tax. I suggest you contact the relevant authority and ask what they’re spending your road tax on if not for maintaining roads. I don’t think I’ve ever seen any maintenance crews fixing the M50
@Name: In fairness, the m50 is probably the cheapest road in Ireland to maintain per km travelled per car
Sure why not lift them for horse racing, rugby matches, soccer and communions? Ridiculous suggestion.
@Ben dover: In order to avoid the chaos seen before the Limerick / Cork match with huge numbers from 2 counties converging on the toll from different motorways.
@Ben dover: I
@Stanley Marsh: On that, I’m considering what the motorway usage would be if it was free for that period? Wouldn’t far more drivers opt for it as a potentially quicker & more direct route? Surely more people use the Port Tunnel on bank holidays because it’s cheaper then.
@Ben dover: Not necessarily. If you’re stuck in a 5km tail back you’re not getting the value you’re paying for – i.e. free flowing traffic. You might as well be stuck outside Kildare or Monasterevin like the old days – so why should you have to pay?
Ireland shouldn’t have tolls at all, we paid enough motor tax & various other motoring related taxes.
@Okiec 666: not enough to cover the costs of car infrastructure
@Name: many times more than enough actually.
So the guys who use those roads day in day out should pay the tolls – but the one offers should get a special deal – because they’re special,
@East Cork Cheeses: Haulage vehicles should be exempt. They are already diverting through Abbeyleix-Urlingford to avoid the toll which is an excessive amount, thus creating traffic problems along the N77-R639. The purpose of the M8 was to take trucks off the old N8, but due to excessive tolls this isn’t working out.
@East Cork Cheeses: Another way of looking at it though – If the tolls were dropped during this time, then the guy who uses these roads day in day out wouldn’t be stuck in a 5km queue to the toll
I was at Arcade fire the other night, tolls were charged on journey there, so no.
@Eddie Garvey: An Arcade Fire gig doesn’t have the cultural importance of an All Ireland Final, nor does it have the potential for tens of thousands of fans from the same region using a single piece of infrastructure to travel to the venue.
@Ajax Penumbra: well tens of thousands use the same road every day to travel to work to earn money and pay taxes so the country can have vital services and so they can look after their families so if they have to pay then those who want to watch a game of hurling should pay. At least the latter have a choice, the former do not.
@Eddie Garvey: Hardly the same thing – do you think Malahide Castle was built to host live gigs? Croker’s a national stadium!
@Ajax Penumbra:
Cultural importance… LOL
No. I have to use it every day to go to work and see the parents. Why should others get off if they are only up for a match.
@Annette: I honestly wouldn’t begrudge them a few toll-free hours in Dublin as a once-off. I mean, they could say that they don’t get the benefit of the motorway when they’re not using it. It would be a great gesture.
Besides, it spares all the other roads for that peak. I was once stuck on the coast road for an hour while matchgoers drove back after an All-Ireland match – that’s before they had other routes. Town used to be massively congested before we had the Port Tunnel too.
Would this move really alleviate congestion considering nobody speeds through even an open toll barrier at 120kph?
Here is an idea: take the bus or train and stop clogging our roads and footpaths with your Landcruisers.
@Name: bus or train already sold out. Train would have been absolute disaster if it was Clare v Limerick final , capacity just doesn’t exist for large-scale movements of people from the same area.
@John Manahan: won’t the train coming from Cork be full as it reaches Limerick junction and the Clare people will be hoping to get on it at that point
@James Leahy: the train from Cork will be full long before reaching Limerick Junction , just checked online a while ago – there are only 3 trains leaving Limerick before 12.15, which is absolutely ridiculous.
@John Manahan: the Clare fans would want to be making alternative arrangements. Ryanair were £19 return from Kerry airport up to last week
@John Manahan: Better get online now – the Big Green Bus has about 40 seats left for the 21st on various coaches! Might have to be at the stop early, but you get to sleep all the way up while someone else does the driving ;-)
@John Manahan: And where are they meant to get the extra trains from?? Magic?
@John Manahan: They put on extra trains for the All Ireland semi’s and finals depending on where the fans are coming from. The first trains on All Ireland Sundays arrive in Dublin at 7.30 am. They all managed long before the M50 was built to make it to Dublin. And I know this because I was a restaurant manager and worked as a waitress before that. We’d have queues for breakfast outside the door by 8.30 am every year unless of course it was Dublin and Wicklow/Meath/Drogheda, when we’d still be busy but nothing like when two further away counties were playing.
For safety tolls should be abolished, why push people on to more dangerous secondary roads?…that would be a courageous political move to help save lives
@Spartacus Ireland: How many lives are we talking?
@Spartacus Ireland:
Money always comes before saving lives on the roads here, the positioning of speed cameras clearly shows that.
No way. Not for Gaa .
There’s always one anti-GAA begrudger.
@Shaner Mac: But there’s always plenty of GAA fans who believe that they are God’s Chosen Ones, who should have everything they want for free.
Anyway, this is all about one useless politician looking to get a few more votes after his last failure to get into the Dail.
@Shaner Mac: There’s a bit of a point though, it’d be like a subsidy to allow further ticket rises. They should make it free for 16 seater buses, etc and increase the price for cars on the day in order to encourage private organisation of buses. (And make a big advertisement campaign in the lead up on radio & tv.)
I don’t follow hurling. But I occasionally go to the odd music festival outside of the pale. So can I go to these toll free?
No worries, let the train take the strain!
Five kilometers is nothing. Remember when us Dubs took an hour to pass the manual toll on the M50 toll bridge? If people do not want to queue they can always get a tag. I know it seems like a “good” solution to a specific problem but remember this is an entertainment and social event and maybe the toll companies need a rule that says if there are more than say five cars in each queue then the barriers open to clear the queue. This would be fair on everyone and every event.
@Niall O’Cofaigh: there is exactly that stipulation in the contracts. Never seen it done despite undermanned toll booths.
If people haven’t noticed ffg agenda is to give as much if our infrastructure to the few at the expense of the many
There should be a law that if a tailback back exceeds 500m, the barriers must open to relieve the traffic.
The people whinging about tolls would be the first in line crying when the roads with tolls fall into a poor condition after abolishing tolls. Whinge. Moan. Baaaaaaa. Bleat.
There should be no toll on the M4 it not even a motor way a badly built road , that should of been a straight motorway to Sligo no widen to almost motorway standard left with 100 speed limit only to make more revenue.
@Be Lucky: the M4 is a high grade motorway untill becomes the N4 near Mullingar. There are no tolls on the N4.
All the tolls in Ireland should be barrier free. You should not have to stop. They do it on the M50. Why can’t they do it on the rest?
Oh, you mean everyone should buy a toll tag? Hardly a saving if they only use it once in a blue moon, to be fair?
@Brendan Nolan: all of them have a free flow lane for tag holders
@F Fitzgerald: You don’t have to have a toll tag to use the M50, there are other ways to pay…
The sense of entitlement in the Grab All Association is nothing if not persistent.
Yes! travel ban should be lifted ,for women abused ,working at oil countries
They not belong to EU and EU not belong to camel owners
@james rowan: ⁷
Yes because everyone in Ireland loves hurling. Every single one.
@Leinsterprincess: We do. It’s only that we couldn’t all get tickets for the All-Ireland!
Tolls should only be lifted if there’s a risk that traffic congestion could affect my plans – so no, not this time.
Good luck with that. These companies are rubbing their hands on days like this
Should be done on certain days to help people out but that would make too much sense
Why should they be lifted just for bloody gaa fans ffs
@reg morrisey:
Yeah, charge the boggers more. If you haven’t got a D reg you pay double !
Maybe 3 hours each way 10.30 to 1.30 beforehand and 6 to 9pm afterwards.
Only for the winners….
Ouch, that’s worse. Sure then no one would leave!
I would be almost certain that the people who have a problem with tolls pay very little income tax.
What should really happen here is that etags should be mandatory and linked to a bank account.
Also, all motorways should tolled on a distance covered basis.
@Donal McCarthy: Strange take. If you’re on a motorway you’re a fully qualified driver, either driving for a living or not, you’d still be on enough to run a car. And hardly retired. It doesn’t follow that you’d be on minimum wage. How would the distance factor in? Should cars be tagged on and off at exits to track how far they drove?
Should tolls be lifted if somebody’s going to hospital?
To make sure they ‘don’t miss the match’! LEAVE EARLIER!
Why doesn’t everyone just leave on time or even earlier then no one will be late!
Discount bus/train tickets maybe. Gaa really needs to up its game on linking up with public transport and offering park and ride.
They should be Lifted Altogether.
Make the toll free if England win the euros.
There the bloggers will have to support the Kings team!
Horse-drawn tubtraps should be tollfree – but fines for failing to remove equine droppings from roads.
I know iam off script but I need to ask this question, Nathan Carter playing in an irish prison without the prisoners, to me is obsession, what do the rest of think
@Robert Halvey: If there isn’t going to be an inmate audience at this charity fundraiser, I suspect that it’s to do with Article 16 of the Convention against Torture and Other Cruel, Inhuman or Degrading Treatment or Punishment.
have your say