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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 financial services manager on €105K living in Dublin. This week, a senior fund administrator who has made the move from Dublin to Luxembourg.
I’ve been living in Luxembourg with my boyfriend for the last two years after having spent three years living and working in Dublin. I work in the funds industry and speak some German so it wasn’t difficult to find a job here. The quality of life is a lot better here, the main city (also Luxembourg) is small and easy to get around, especially with public transport being free. Living in a country the same size as Roscommon, it’s easy to meet people and make new friends. The higher salary also helps. My mam has been so convinced that she has decided to make the move here!
I have always been a good saver but while living in Dublin, it was difficult to save. Between the high rent, commuting, and trying to have a social life, I would tend to save around €300. Even though the cost of living in Luxembourg is higher than Ireland, and even with us socialising a lot more and taking more weekend trips, I easily save on average €700 a month. This gets split between my high yield savings account in Trade Republic and stocks that I have in my DEGIRO account. For all shared expenses, such as food, nights out, trips away, we have a shared Revolut account, which we put in around €700 a month and top up during the month as needed.
My boyfriend and I love to travel so living in the middle of Europe has been amazing. We have taken countless trips thanks to my boyfriend being able to lease a car through his job. Over the last few months, we have managed to save up enough to go travelling around Asia and Australia for a few months and leave our corporate jobs behind.
Occupation: Senior fund administrator
Age: 27
Location: Luxembourg
Salary: €67,000 with a 10-15% bonus and overtime
Food vouchers: €270 per month (prepaid card that every employee gets, and can be used in most shops and restaurants)
Monthly pay (net): €4,201
Monthly expenses
Transport: All public transport is free in Luxembourg, but we also have a car. It’s a fully electric Mercedes so we pay €450 a month (including a prepaid electricity card of €50), which gets taken out of my boyfriend’s salary pre-tax but we split more or less equally. It’s definitely pricey but amazing for trips to the shop / weekend trips.
Rent: €1,500 for a studio apartment just outside the city, which we split €750 each. It’s tiny but we are close to the city and don’t spend too much time there anyway.
Household bills: €0 as all bills included in rent (electricity, internet, heating and bins)
Phone bill: €25
Health insurance: Luxembourg has a good healthcare system whereby the majority of your medical appointments and expenses are reimbursed by the state. My work also provides additional health insurance that covers the portion not paid by the State. It also has travel insurance and some other perks, which costs around €360.
Groceries: Around €500
Subscriptions: Electric bikes - €18 for a year, gym – €30, Spotify – €15, Hayu – €6 (all coming from our shared Revolut account)
***
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Monday
5.30 am: Early wake up time today as we’re flying back to Luxembourg after spending the weekend at the Fleadh Cheoil in Wexford. My brother drives us to the airport as we only live 30 mins away. I buy a 12 packet of Tayto and bottle of water for €7.80 so I can bring a duty-free bag as my bag is slightly too big for under the seat. I’m thankful I did as they check everyone’s bag getting onto the plane so I have basically saved money. I take a nap for the full flight.
11.00 am: Land in Luxembourg and I run through security so I can pick up the car. My office is across the road from the airport so parking is free. I pick up my boyfriend and my mam and all the suitcases and drop them both off. I run to the shop and pick up bits for lunch using my food vouchers for €22.90.
3.00 pm: It’s 33 degrees out today and I have the day off, so no time to waste! I decide to go to the local spa that has an outdoor pool. Pay €24.50 for the full day and enjoy the sun and pool. I bring my own water, snacks and sun cream.
6.00 pm: Dehydrated and hungry after spending a few hours in the sun, I leave and pick up bits for dinner and snacks on the way home for €12.48.
7.30 pm: After a few chicken sandwiches and a weekend of little-to-no sleep, I knock out for the night.
Today’s total: €67.68
Tuesday
8.00 am: Wake up, grab a shower and get some yoghurt and oats from the fridge before heading out the door. We take the car so I drop my boyfriend to work and get to the office for 9 am. August is great for commuting as the whole country is off on their holidays.
10.30 am: First coffee break of the day. We have a Nespresso machine in our kitchen and a fridge full of drinks at work which I use to my full advantage.
12.00 pm: Starting to get hungry so go outside to grab a pizza from the food truck. We have a different food truck every day outside the office and a canteen across the road so there’s plenty of choices. I pay €16 for a Ceasar pizza using my food vouchers and eat ¾ of the pizza and save the rest for later.
3.00 pm: Starting to feel the post lunch slump so I grab another coffee and a Coke Zero from the fridge and chat with my colleagues for a few minutes.
6.00 pm: Leave work right on the dot and go to pick up my boyfriend. He has just done a quick shop for dinner so am delighted we don’t need to stop on the way home. He pays for the full lot.
6.30 pm: Arrive home and it’s still 33 degrees. It would be a shame to miss the sun, so we head for a walk and decide to grab some drinks in the sun. He pays so I am off the hook (again).
9.30 pm: Get home and make myself another chicken sandwich and finish the pizza from lunch. I can’t be bothered making a proper dinner while it’s still so hot outside.
Today’s total: €16.00
Wednesday
8.00 am: Alarm goes off, a quick shower and into the car. I have an appointment at 9 am to pick up some documents from the city centre. Parking in the city costs me €1 for 45 mins. I make it to work for 9:30 am.
10.30 am: I grab a quick coffee and some fruit from the kitchen. We get a delivery to the office every other day – a banana and two plums are my breakfast.
12.00 pm: Wednesday’s food truck is always disappointing and tomorrow is a bank holiday, so a few of us in the office decide to order some lunch to the office. We decide on bao buns. I order on the app and everyone pays me back. My order of chicken bao buns and cucumber salad is €22.00.
6.30 pm: It’s been a busy day in the office so leave a little later than expected. I drive one of my friends home as she lives on the way. Get home and get ready for a drink with some friends.
10.00 pm: We leave the first bar and head over to one of the Irish bars. Between a few pints and vodka-cokes, my share of the drinks comes to €79.10.
1.30 am: We all decide to head home. Taxis here are a rip off, even compared to Dublin prices, so we decide to take the electric bikes home. As expected, there is nowhere open for food so we stop into a 24/7 petrol station for some bread rolls, prosciutto and cheese for €15.
Today’s total: €117.10
Thursday
10.30 am: It’s a bank holiday, so I get to enjoy a nice lie in. My mam texts me to say that she’s bought sausages and sausage rolls so we drive over to hers for a fry.
1.30 pm: It’s a great day so we go to the local park and enjoy the sun and talk about our upcoming travels. The whole country closes on a bank holiday which is a pity so there’s not much to do. Thankfully there’s a small café in the park and we get an ice cream, Fanta and water for €9.00.
5.30 pm: We are starting to get hungry so we decide to take the electric bikes and go get some dinner. It’s not easy as most places are closed but we find a local Italian restaurant. We get mains and a bottle of wine to share. Altogether it costs €109.80, which I split between my food vouchers and Revolut card.
8.30 pm: We get home and decide to go for a walk before settling in for the night. We enjoy watching one of the Alien movies on Disney+ before falling asleep.
Related Reads
Money Diaries: A financial services manager on €105K living in Dublin
Money Diaries follow-up: A part-time adult educator on low and infrequent pay living in Leinster
Money Diaries: An office manager on €45K living in Dublin
Today’s total: €118.80
Friday
8.30 am: I take my time getting up this morning as it’s a Friday. As my boyfriend is working from home, I don’t need to leave as early. I watch some TikTok, grab a quick shower and drive in just after 9am.
11.00 am: Quick coffee break and grab something for the fruit box as a mid-morning snack and work away until lunchtime.
12.30 pm: Run across the road and grab a burger from the canteen which costs €12.00. I have it with a Coke Zero from the fridge.
6.00 pm: Finish work right on time and head over to Auchan (similar to ‘Big Tesco’) to meet my mam – she is buying things for the new apartment. She buys a new TV, kettle and toaster. We also get some groceries and house cleaning supplies, which I cover with my food voucher and bank card for €77.85.
7.00 pm: I drive her back to her apartment and help set up her TV with a cup of coffee and a Snickers bar. We chat a bit before I go to pick my boyfriend up from the gym.
8.30 pm: Get home and make fajitas alongside a cheeky bottle of wine.
10.00 pm: We realise that Disney+ doesn’t have anything more worth watching, so we decide to cancel and get Netflix again – €14.99.
Today’s total: €104.84
Saturday
10.00 am: We enjoy a nice lie-in before my boyfriend pushes us to go to our usual weekend breakfast spot. It’s a small spot close to our house, owned and run by a Canadian. I grab some pancakes and he gets a breakfast sandwich. Free refills on coffee are not something you find in most places. (€34.10)
2.00 pm: We spend the afternoon at home planning our trip to Asia and Australia but end up booking nothing.
4.00 pm: The new Alien movie is out so we decide to go to the cinema. We rarely go here as it’s a bit more expensive compared to Ireland – two tickets cost €38.40 and popcorn and drink cost another €15.70.
6.30 pm: After the movie, we grab some food bits on the way home. (€4.75)
9.00 pm: We head to the gym as I haven’t been in a while. Prefer the night time as it’s not too busy.
10.30 pm: Nod off while watching some Netflix.
Today’s total: €92.95
Sunday
10.00 am: Wake up and decide to meet my mam for some food in the city. Try to take the electric bikes but they’re not working for us today, so we take the bus instead.
1.00 pm: There’s a pop-up beach in the city so we grab some smoothies and pizzas which cost €48.00.
4.00 pm: We walk around the city centre and head to another local Irish bar. It’s great during the summer as you can sit outside in front of the river. Two rounds of drinks cost €64.60.
6.00 pm: We walk back up to the city centre and grab some kebabs for dinner. As we paid for drinks, my mam pays for the kebabs. We grab the tram and a bus home.
7.00 pm: Put on a wash of clothes and get ready for another day in the office.
Today’s total: €112.60
Weekly subtotal: €629.97
***
What I learned -
Always buy something in duty free so you can get an extra bag on the plane and not have to pay for excess baggage.
This week would be on the higher end of spending, as usually we don’t go out this often, but it’s hard to resist when you have great weather and a bank holiday in one week.
We spent a lot more on shopping this week as we were grabbing bits almost every day. Usually, we would be more organised and do a weekly shop on Monday that would cover us until at least Friday.
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That seems to be the way it works. Feather each other’s nest until the plebs catch on and then refuse to answer questions on the basis of a future investigation because what you say could be used as evidence by that future investigation.?? There’s the truth of it. This country is corrupt, it works from the top down and there’s no telling how far it goes or where it ends, if at all.
Spot on Andrew. I’ve been saying this for years, this country is rotten to the core. Maybe Purcell should have turned whistle blower himself and opened up the whole sordid can of worms that passes for a Justice system in this country. Now wouldn’t that make a refreshing change !!!
Enda Kenny will not answer questions in the Dail over this….It goes to show that in any other Industry Purcell would have been gone weeks ago..But he probably has some nice juicey information on someone in Gov so he is going nowhere
A public servant, especially one so high in rank, refusing to answer questions asked by public representatives in a committee is EXTREMELY serious. This should not go away.
When has a high ranking public servant ever told the truth, cooperated or acted in the best interest of the country. “Choo choo all aboard the gravy chain”
He’s perfectly entitled not to answer in law. There is no limits to what questions the committee can ask. There is limits on which can/ should be answered.
He should not answer to showboating politicians..all seem to forget that we had a referendum not two years ago in which the people were asked if they wanted to give dail committees the power of investigation., and to make judgements on people..the people answered overwhelmingly “absolutely not” …and for good reason..yet this kangaroo court, and the PAC, is carrying on regardless,as if they are some sort of moral compass, crusading for right….and making de facto judgements on peoples character…. political point scoring in its most crude and disingenuous form..all you that think they are great better hope you are never summoned before a hearing..where they will then make judgement on you..I suspect you would all be singing a different song then…………down with this sort of thing..careful now.
@listentowoody @alanharte. We cannot use the fifth amendment because in Irish law refusing to answer questions is interpreted as a sign of guilt. He wasn’t been questioned in law. That referendum was in 2011 and it would have undermined the individuals right to a fair hearing in any dealings with any government department. An individual would have had no recourse but to accept their decision as final. Therefore a state body could be wrong but also right.
As someone who is familiar with kangaroo courts in Ireland where you are judged on hearsay evidence; Mr Purcell did point out that all of the allegations in Sergeant McCabe’s dossiers were not facts and needed to be investigated; I fully appreciate how Mr Purcell might feel were he in that position. However he’s not nor was he put in that position, as the PAC have no powers to convict or sentence him for any wrong doing.
It may be that those members are showboating to protect their seats or parties interests. However we as a people need to be informed because they represent our interest directly and indirectly. If they are showboating it will be recalled come election time.
Quite the opposite Andrew..in Irish Law it is your right to refuse to answer and no inference be taken from the refusal (except in certain anti terrorist/gang legislation)..the caution that is the cornerstone of the protection of citizen begins “you are not obliged to say anything unless you wish to do so”. I am aware that PAC and other dail committees have no power to convict or sentence for wrongdoing, I never said that they did..they do however , as I said, make “de facto” judgements on peoples character and are continuously political point scoring. I wonder would any of the Sinn Fein committee members be as vocal if the Justice committee was inquiring into the murders of Timmy Parry age 12, Jonathan Ball age 4 , Jean McConville, Robert McCartney..the list goes on..to listen to Sinn Fein members in particular tut-tutting from the moral high ground is stomach churning.
“I am aware that PAC and other dail committees have no power to convict or sentence for wrongdoing, I never said that they did..”
Explain this so:
“yet this kangaroo court, and the PAC,”
Why say ‘kangaroo court’ if you believe “that PAC and other dail committees have no power to convict or sentence for wrongdoing”? Are you implying that the’Justice Committee’ has no authority to carry out its duty? Do you support subverting democratic processes?
This other tripe from you can only be described as PATHETIC:
“I wonder would any of the Sinn Fein committee members be as vocal if the Justice committee was inquiring into the murders of Timmy Parry age 12, Jonathan Ball age 4 , Jean McConville, Robert McCartney..the list goes on..to listen to Sinn Fein members in particular tut-tutting from the moral high ground is stomach churning.”
Kangaroo Court -”a mock court in which the principles of law and justice are disregarded or perverted.The term may also apply to a court held by a legitimate judicial authority who intentionally disregards the court’s legal or ethical obligations. A kangaroo court is often held by a group or a community to give the appearance of a fair and just trial, even though the verdict has in reality already been decided before the trial has begun”.
Why are you Shinners so sensitive? Still the instinct to bully opposing views, when political ammunition runs low, inevitably the rusty artillery of abuse is always wheeled into action.
Calm down laddie…
Please don’t mistake my abhorrence to fascism with being “sensitive”.
I ask: Why are you Blueshirts so pathetic?
“Still the instinct to bully opposing views, when political ammunition runs low, inevitably the rusty artillery of abuse is always wheeled into action. Calm down laddie…”
Classic Freudian projection. Let me remind you what you said:
“I wonder would any of the Sinn Fein committee members be as vocal if the Justice committee was inquiring into the murders of Timmy Parry age 12, Jonathan Ball age 4 , Jean McConville, Robert McCartney..the list goes on..to listen to Sinn Fein members in particular tut-tutting from the moral high ground is stomach churning.”
Here is some worthwhile copy and pasting—
” I don’t want to talk to you no more, you empty-headed animal food trough wiper! I fart in your general direction! Your mother was a hamster and your father smelt of elderberries! You tiny-brained wiper of other people’s bottoms! ” – Perhaps you huge intellect recognizes it ? No, oh never mind.
Good day to you sir….and please don’t call me anymore.
Tractor im afraid ita lot worse than people not cooperating with this inquiry.Corruption and criminal activity has reached every arm of the state.this guy purcell has just given the two fingers to the decent people in this country.for people shouting for a revolution can hold this up and say purcell kearns flannery fitzpatrick ahearn cowen shatter callinan is this the form of democracy you want.no accountability.
“Wow your copy and past buttons must be worn out…”
Extracting QUOTES from statements you made was an easy way for me to reinforce my point of view.
Well – you certainly lost the argument with this tripe:
“Here is some worthwhile copy and pasting—
” I don’t want to talk to you no more, you empty-headed animal food trough wiper! I fart in your general direction! Your mother was a hamster and your father smelt of elderberries! You tiny-brained wiper of other people’s bottoms! ” – Perhaps you huge intellect recognizes it ? No, oh never mind.
Good day to you sir….and please don’t call me anymore.”
I can’t wait for the trials in the next decade of people who have been accused in their village of not being a good Republican. Or accused of witchcraft because they earn too much.
This man believes that he is accountable to no one and displayed that disgracefully today, it’s a pity he could not have been told answer the question or collect your P45. In any other job he would be dismissed forthwith.
Over life of gov why has no dept sec been fired. Letters go missing for weeks and they survive. Finance was only dept that hired outside the inner circle and is now only dept that appears to have made progress. We blame ministers for crap in health, justice etc but really it’s the dept heads that should also walk as they allow crap service to taxpayer continue. If current gov has made one big error it’s not sacking a few inefficient depts secretary and bring in some private sector heads that know what real world is like to start fixing and removing bad waste practise. We spens enough tax payers money to have a decent health service but waste still exists.. How many pen pushers are in hse that add zero value?
Yes Scarrboy maybe they should hire from the ranks of the private sector bankers, property magnates and other geniuses who ran out country into the ground. Numerous SG posts have been openly and publicly advertised and no private sector person has been appointed except for Finance and, guess what, he was an ex-civil servant as well! Why is this so. Simple. The jobs do not pay enough money or contain enough perks to attract people from outside the civil and public service considering the workload and responsibilities attached. Grow up!
Not the most mature, logical or intelligent response I have seen. Bankers are part of private sector but not all. There are other examples ie kerry group so I would recommend you take a wholistic view rather than narrow one.. Are you hse mgt
If the committee chairperson cannot compel him to answer then why cite him in the first place ?
What is the point when you know he will refuse to answer as it just brings the whole process of government into disrepute?
Could this government employee not have been issued with an advance copy of the questions and asked to confirm which questions he was unwilling or unable to answer thereby saving time, money resources and above all an embarrassing farce as clearly described by some members of the committee.
This should not go away as the questions asked are of legitimate public concern and if this government employee won’t answer then he should be disciplined for gross misconduct in his public office.
Who told him he should not answer to an Oriochteas committee properly constituted ?
@james once he made his opening statement, he then proceeded to answer questions from a prepared script. That was objected to by several members of the PAC.
Johngahan get over it fg/Tories got their ars. Slaped last week time to move on but dont worry none of ur boys and girls will ever be held to account for the rape and destruction of the country to please ur master in eu ps tell Denis I was asking for him the next time yous are selling off something else for pennies
Cooperate with what? Questions from grandstanding politicians who know very well that he’s legally constrained from answering them? As head of a Government Department his ultimate responsibility is to the Government, not the Oireachtas. It’s the Government – or, more specifically, Enda – who put him in this position, and it’s Enda who should be held to account by the Oireachtas.
Of course the Government should be accountable to the people. My point is that the Government has told Purcell not to discuss this particular issue with the Committee, so it’s the Government you should be going after – and, of course, that’s who the Committee is really after. Purcell is just being used as a pawn in their game.
This guy Purcell seems to be a bit of a Humphrey out of the television ” Yes Minister”. He is arrogant in the extreme, he should be forced to answer fully for his actions, and stop with the bull shit.
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With your acceptance, your precise location (within a radius of less than 500 metres) may be used in support of the purposes explained in this notice.
Actively scan device characteristics for identification 25 partners can use this special feature
With your acceptance, certain characteristics specific to your device might be requested and used to distinguish it from other devices (such as the installed fonts or plugins, the resolution of your screen) in support of the purposes explained in this notice.
Ensure security, prevent and detect fraud, and fix errors 86 partners can use this special purpose
Always Active
Your data can be used to monitor for and prevent unusual and possibly fraudulent activity (for example, regarding advertising, ad clicks by bots), and ensure systems and processes work properly and securely. It can also be used to correct any problems you, the publisher or the advertiser may encounter in the delivery of content and ads and in your interaction with them.
Deliver and present advertising and content 96 partners can use this special purpose
Always Active
Certain information (like an IP address or device capabilities) is used to ensure the technical compatibility of the content or advertising, and to facilitate the transmission of the content or ad to your device.
Match and combine data from other data sources 68 partners can use this feature
Always Active
Information about your activity on this service may be matched and combined with other information relating to you and originating from various sources (for instance your activity on a separate online service, your use of a loyalty card in-store, or your answers to a survey), in support of the purposes explained in this notice.
Link different devices 50 partners can use this feature
Always Active
In support of the purposes explained in this notice, your device might be considered as likely linked to other devices that belong to you or your household (for instance because you are logged in to the same service on both your phone and your computer, or because you may use the same Internet connection on both devices).
Identify devices based on information transmitted automatically 84 partners can use this feature
Always Active
Your device might be distinguished from other devices based on information it automatically sends when accessing the Internet (for instance, the IP address of your Internet connection or the type of browser you are using) in support of the purposes exposed in this notice.
Save and communicate privacy choices 64 partners can use this special purpose
Always Active
The choices you make regarding the purposes and entities listed in this notice are saved and made available to those entities in the form of digital signals (such as a string of characters). This is necessary in order to enable both this service and those entities to respect such choices.
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