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WELCOME TO HOW I Spend My Money, a series on TheJournal.ie that runs on Wednesdays and Sundays and looks at what people in Ireland really do with their cash.
We’re asking readers to keep a record of how much they earn, how much they save, if anything, and what they spend their money on over the course of one week. Want to take part? Details on how to do it are at the bottom of the piece.
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.
Last time, a chartered surveyor on €50,000 who is living between Dublin and the west of Ireland wrote about her urge to move back home. Today, a bank worker who is studying in his spare time writes about how he spends his money.
Occupation: Branch staff with a large bank Age: 24 Location: North County Dublin Salary: €23,500 Monthly pay (net): €1,690
Monthly expenses Rent: €550 Car repayments: €300 Car insurance: €95 Diesel: €60-€90 (Depending on whether or not I drive home at the weekends) Pension: I pay €42.25 a month and my employer pays €185 Household bills: €50 Phone bill: €30 Groceries: €130-€180 Gym membership: €23.99 Tea fund at work: €5 Savings: Whatever I can afford at the end of the month
I moved to Dublin from Cork to start working in a bank. I was looking for more of a long-term career and the weekends off are nice. I took a €6,500 pay cut making the move. It’s not too big a cut, but I most certainly miss that extra bit of cash each month and the sharp increases in living costs don’t help.
At the moment the pay isn’t great, but it should go up over the next 12 months if I pass my QFA (Qualified Financial Advisor) exams that the bank is paying for.
I’m renting a room in Dublin. The cost means I can’t save much, which isn’t ideal, but it is what it is. At some stage I’d like to transfer to a branch back home, but my focus is on my exams right now.
***
Monday
7:45am – I wake up, jump in the shower, get dressed quickly and head straight out the door. I’m never really hungry when I wake up, so I’ll normally have something to eat when I get into work. It takes me about 50 minutes to drive to work, I arrived just before 9:00am. I catch up on last week’s paperwork and make a cup of tea and a bagel for breakfast.
12:00pm – I take my lunch, it’s a bit earlier than I’d prefer, but it’s just the way it works out today. I always have lunch in work, we have a kitchen and there’s nowhere around to get lunch – it helps with saving too. I have scrambled egg and brown bread. The brown bread comes from the tea fund at work and I bought the eggs last Friday. I have a coffee as well.
5:00pm – I finish work and hit the road. Traffic is always heavy around this time and it takes just over an hour to get home.
6:00pm – I cook some dinner and make spaghetti bolognese. I make enough for lunch tomorrow in work as well.
7:00pm – I watch a small bit of TV before doing a bit of study for the QFAs. I only manage about an hour before giving up.
8:30pm – I go down and chat to my housemates for an hour or so before feeling guilty about doing such little study. In the end I head back up and do about another hour.
10:00pm – I call it a night.
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Today’s total: €0
Tuesday
7:30am – I wake up, grab a bowl of cereal, jump in the shower and head out the door.
9:00am – I arrive in work, make a cup of tea and start some paperwork.
12:00pm – At lunchtime, I have my leftovers from dinner with me, so I have that and a cup of coffee.
5:20pm – I get out of work. I head into town to pick my boyfriend up and we go back to his place. We buy a cooked pizza each for dinner (€4.50) and I get a large Dairy Milk for later (€1.50).
8:00pm – We go to the cinema to see Vice. It’s a really good movie, would highly recommend. Tickets are €10 each and we each pay our own way.
11:00pm – We go back to my boyfriend’s house and I stay the night there.
Today’s total: €16
Wednesday
7:20am – I wake up and shower. The drive is a bit longer from my boyfriend’s house, so I leave earlier.
9:00am – I get into work and make a coffee and have some toast.
12:00pm – At lunchtime, I go to a small shop across the road and buy some eggs (€1.50). I have scrambled eggs and toast for lunch and another coffee – work is very quiet so I’m really struggling to stay motivated today.
5:30pm – I finish up at work and head home. Traffic isn’t as bad as usual.
6:10pm – I arrive home and land myself on the couch for about an hour before deciding to make some homemade burgers. I realise I don’t have any burger buns so I pop down to the shop to buy some (€1.15).
8:30pm – I’ve had the heating on for the last two hours, but this house doesn’t seem to keep any heat in. It’s still freezing, so I jump into bed and do some work on my laptop.
Today’s total: €2.65
Thursday
7:20am – I wake up, shower and have a bowl of cereal and then I’m out the door.
12:00pm – At lunch, I have the same as usual. Scrambled eggs and toast with a mug of coffee.
5:30pm – I finish work and head down to my boyfriend’s house. We get pizza again (€4.50) and some Haribo (€1).
8:00pm – One of our friends calls over for the evening and we have tea and catch up with each other. My exams are in May, so I feel bad about not doing any study, but I tell myself I’ll do more as the time gets closer.
11:00pm – Bedtime.
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How I Spend My Money: A logistics manager on €37,000 on maternity leave who dreads the thought of going back to work
Today’s total: €5.50
Friday
7:20am – I wake up, shower, hit the road and arrive at work by 9:00am.
12:00pm – I have some errands to run at lunch, so I grab food while I’m out. I find a nice small café and get chips, sausages and eggs with a coffee, which comes to €9.50.
5:45pm – I finish work and head back down to my boyfriend’s house. I pick up garlic bread and ice-cream on the way (€4.50) and we have spaghetti bolognese for dinner.
8:00pm – We watch some of The West Wing online. He has watched it all before, but I’m just starting season two – it’s incredible! We go to bed around 11:00pm
Today’s total: €14
Saturday
8:30am – I’m up early since I have to go to work this morning. I don’t normally work Saturdays, but the overtime is really good, so I jump at the opportunity.
10:00am – I arrive at work and grab a coffee from Insomnia (€3.25). Coffee prices in Dublin are crazy, I almost always make it in work, but this morning I just needed that extra kick. I use my reusable coffee cup since my boyfriend is always hounding me about it.
1:00pm – Finished work for the day. I stop by Carphone Warehouse and move my deal from prepay to bill pay. I’ve been considering this for ages because I always run out of credit as I tend to call people quite a bit. It costs me nothing up front. After that, I’m absolutely starving so I grab a double cheeseburger and twisty fries from McDonalds (€4).
3:00pm – I land in at home and change quickly because I’m meeting friends in town for the rugby match. I top my Leap Card by €15 and head for the bus.
4:00pm – I get into town. I’ve been planning to buy a good warm jacket for some time now. I do a bit of hiking and have some trips coming up, so I definitely need something soon. I’ve done plenty of research so know exactly what I want. I head to the shop and buy the jacket I wanted (€180). I pay with my credit card – this is a problem for future me. I know I should be saving more, but I really do need this jacket, so I’d have to get it sooner or later. Besides, I wanted to treat myself for working that morning.
4:30pm – I get to the pub and buy a drink (€6.10). We go to another few pubs after the match and I spend another €25.60 on drinks throughout the night. My friends earn a good bit more than me and buy a few more rounds too. We all share a taxi back to my friend’s place and we have another drink there. I crash on their couch for the night.
Today’s total: €233.95
Sunday
12:00pm – I get up and get the Dart into town and then another bus down to my boyfriend’s place. We pretty much just lounge around for the day watching TV and chatting. I had a dodgy takeaway the night before so I don’t feel great – all the drinks didn’t help either, but I’ll never blame alcohol. I vomited when I woke up, much to the enjoyment of my friends who were glad their hangovers weren’t as bad.
Today’s total: €0
Weekly subtotal: €272.10
What I’ve learned:
I actually didn’t spend that much this week besides the jacket. And I did a big shop on the Sunday, so didn’t buy much groceries this week.
As much as I can, I buy my groceries in bulk for a full week. If I don’t do this, I just end up buying stuff in the nearest Centra or Spar, which can get very pricey.
My car is a big cost every month. I bought it when I was on better money in Cork and I’d honestly be lost without it. I live a good bit outside Dublin city and I really can’t deal with 40 minutes on a bus any time I need to do a shop or something like that.
My monthly shops can be quite expensive. I want to start eating less red and processed meat – for the cost and the environmental factor. I like cod, but the texture of a lot of other fish is hard to stomach.
I didn’t use the gym once this week, there’s always next week right?
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.
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Remember after this is over who those pubs who stayed open were. Please don’t go back they are nothing more than collaborators with the enemy who made it worse for all of us.
@John Horan: Some pub owners are also politicians and if their pubs were open during this Pandemic they should suffer more than losing their license and seat in the Dáil
@John Horan: I know of one in my home town that has been opening to “regulars” behind closed doors. They will struggle to stay open after this is all over due to the outrage among locals. Plenty of people have vowed to never set foot in it again. Any pub breaching the government request should lose their licence.
@John Horan: Any workplace not making essentials in this situation should close. It’s not just pubs. Multinationals employing 1000+ working 7 days a week to stock up before closures become inevitable. And employees work beside each other. Maybe 4 ft apart.
Corona viruses cannot survive in real world for more than a few days
they can only survive with our bodies
without our bodies – it will die-
stay away from each other – do not spread the virus – instead of us dying – let it die – it has nowhere to go without a human to infect
@GO GREEN: But some outlets saying it can survive on a hard surface for 7 days and maybe even longer. I’m very worried right now about vulnerable people. I hope people will keep up the great work they are doing. We will get out the other side of this. May the force be with you all.
@Dizzy: IPA liquid will kill any virus it touches… same stuff is used in hand sanitiser in diluted form… problem is the price has rocketed because ethanol has become so scarce since the manufacturers who had stocks are all out of it…
@Dizzy: Thanks, yes I did post a good link a few days ago, about how long this virus survives on different surfaces but it was deleted by Journal ie. I thinks it said plastic 3 days and cardboard 1 day. Anyway I hope you and us all get through this and it will be a lot easier if people just stay away from each other.
@EdmundOrlando: fun fact, most shampoos and shower gels work as soap, surprised to see shelves empty of soap and plenty of shower gel right nest to the gap
@Gerry Gleeson: See RTE: Gardaí do not currently have a legislative basis to enforce pub closures but, under the Intoxicating Liquor Act, one of the conditions for holding a pub licence is that the holder is a responsible person.
Sure what about all the public places that have been packed the last few days?? Glendalough was full of people today queuing for coffee and ice cream. I live in Wexford and the amount of D reg cars down here since the schools closed with people going to caravan parks and holiday homes. It’s ridiculous. These people are putting the lives of people who may have remained safe in small rural communities at risk. All because they want to get out for a break. I have my mother who is 73 yrs old with ovarian cancer receiving chemotherapy to look after and up until the last week our village was relatively quiet enough to venture to the local shop and washing hands, sanitising hands when I came back. Now I’m afraid to go near the village. Selfish people who don’t care about anyone but themselves.
@Caddyshack: they need to stay at home, didn’t you read that this was one of the main reasons for the catastrophe that Italy are experiencing. The schools closed and they all headed off to the beaches and resorts on holidays which brought the virus even more widespread. Currently Wexford have less than 5 confirmed cases, Dublin have over 300. They are coming down here and other places potentially infecting people who otherwise might have been alright. I don’t care if they have a right to go where they want. They should use some common bloody sense and try to keep it contained as much as possible. It’s not forever.
@Caddyshack: this is part of an rte article about how things got so bad in Italy and it’s going to happen here if people don’t stay in their own home
Did movement not stop when schools were shut?
Professor Della Giusta, who is originally from the Piedmont region in the northwest of the country, said many people did not take self-isolation measures very seriously when schools were first closed in northern regions a few weeks ago.
“When schools got shut in Lombardy a lot of people just took their kids and went off on holiday to their holiday homes in the mountains and at the seaside in the other regions.
“They thought they were making their kids safe by taking them away, but this kind of behaviour is really very damaging
@Irisheyes: I agree with your points particularly about families treating it as a holiday and not as a serious public health crisis – we have all experienced this recently. My point is simply that people are entitled to go to Wexford or wherever else and adhere to social distancing. They need to restrict their movements wherever they are staying
@Caddyshack: they may be entitled to go but they shouldn’t, people could argue they have a right to go to the pub but they shouldn’t. We need people to stay put to prevent this becoming like Italy. They had a right to go away also and look where it got them
@Irisheyes: they don’t have a right to go to the pubs as the government has ordered them shut. Simply follow HSE & Government advice. If the rules change and people are not allowed leave one county and go to another then people should conform to that.
@Caddyshack: some people would say they have a right to a pint, it’s a free world, I do this every week. Just because you can doesn’t mean you should. People need to stay at home. Use a bit of common sense, have a bit of compassion for vulnerable people they may compromise. They shouldn’t need the HSE or government to tell them what to do. Take responsibility for their own actions and decisions.
@Irisheyes: They,we do not need to stay at home . We do however need to limit our trips.
Yes they have the right to go for a drink but shouldn’t as the Government has advised not to. However the Government as of yet has not advised people they cannot go for a walk. On the contrary they has recognised the need for this. Once social distancing is adhered to. Walking in a wood or beach once not over crowded is more than acceptable according to most health officials. You may pass a person and be within 2 meters for a couple of secs. All advise suggests 15mins needed . Having said that I understand someone could cough etc when in vicinity on another,however the chances are remote of catching anything if just passing by someone
@Caddyshack: that’s the thing – government hasn’t ordered them shut. It has advised for them to shut in conjunction with the LVA and the VFI. 99% have adhered to this and have shut. Some have remained open, as is currently their right, and people still have the right to go to these pubs. It’s still wrong, though. And, it’s because of those pub goers that all pubs, cafes, restaurants etc will be forced to close by government. Likewise, it will be because of these people travelling to the likes of Wexford that we will have a total lockdown. Simply because people can’t listen to the authorities. Stupid, stupid people.
@veronica kenny: have you seen the photos of the wicklow mountains, Glendalough and the beaches?? There are more people out now than there does be during a normal weekend. It’s ridiculous. There isn’t room to swing a cat between people never mind keep 2 meters apart.
@Irisheyes: couldnt agree more. I’m from limerick living in Dublin, I’d love to see my family but we have to be sensible about this. Running about from county to county is moronic at best. We are in the middle of a crisis here. The less we do as in going out the better for everyone. I got kids, I’d love to be in Limerick or even Wexford! I’m climbing the walls here and its only week one of the shut down, but I’d rather be climbing the walls at home,then be in ICU gasping for air. Really cop on people, you might think you’ll be fine, but this time IT’S JUST NOT ABOUT YOU. There are real lives at risk here.
@Irisheyes: Which is why I was saying once not busy. I don’t agree with the people going to packed areas.They actually should increase the price of the car park in Glendalough to discourage people going. However, plenty of places that are not as busy. Many beaches along the Wicklow ,Wexford coastline that go for miles and have wide sandy beaches that means social distancing can be adhered to easily. Just don’t go to the best known places. We have hundreds of walking trails in Ireland if people look and don’t just use the best known ones
@Irisheyes: as I said I agree with most of what you say. We have a difference of opinion on dubs going to Wexford to their second home, they can still practice the same correct social distancing there provided they have no symptoms – as I said different opinion. Lockdown will inevitably come as part of this process
@Delboy79: I seen the photo online, taken by someone who lives there. No I am not going out. I live on a boreen that happens to lead to the beach. We have about 10 houses on our road and we have all agreed designated times to walk our dogs or get a bit of fresh air without meeting one another. My time is between 1pm and 2pm.
@Caddyshack: but that’s the thing. Those Dubs going to Wexford require milk, tea, coffee, bread, etc. This time of year is usually quiet so the shops are geared to that level of volume. This means, in order to cater for those Dubs visiting their second homes, that shops need more deliveries. That means more trucks, more drivers, more surfaces with possible contaminants on them, more footfall into the shops, etc. This all greatly increases the risk to the locals. Sorry, but it’s not just a “shake of the head” situation. Those Dubs are putting local lives at risk and risking the shitting down of the entire country.
@Caddyshack: No theyre not. They are overcrowding a coastal town so social distancing out the window for the people who live there all year round. They are congregating on beaches and walkways. They are probably not adhering to any guidelines, because guidelines are to stay at HOME, not go on holidays. I dont care if they own the caravan or holiday home, they shouldnt go near it until this is all over
@Irisheyes: so hoe do you know when the photo was taken.
Please stop, people like you are part of the problem with your sensationalising and scaremonging
Close your curtains and log off till this is over, thats the best way you can help.
@Bain triail aisti: have a look at the news idiot, Glendalough is closed now with Garda barriers across it so are the slieve bloom mountains. The hell fire club is inundated with cars at the moment as is sally gap. Why don’t you go and bury your head in the sand. It’s not scaremongering these are real issues. Your obviously ignorant to the potential damage that all of this can do to people with underlying health conditions.
Take away the pub licence. Surely that’s a suitable & legally enforceable penalty with the new legislation- time to get tough & firm with people not conforming during this crisis
@Caddyshack: multinationals allowed operate as usual? Employing thousands, plus now working weekends to stockpile in case of closure. Why target pubs and not everywhere?
@Paul Cahoon: that will change in next week when 80% of Ryanair flights are been grounded but there are irish people abroad who need to get home some left before it all kicked off and never expected it to kick of so quick my niece went on holidays to viatnam 2+1/2 weeks ago and was supposed to be anther week but hopefully she be home tmw after embassy helped get them flights because the other countries want them out including Spain yet Ireland not asking anyone here to leave
@nelliekel: just flew into Dublin an hour ago from dubai. Not even random checking for high
temperatures. We had this done when connecting through Nairobi in February. If they can do it, why can’t we. Shocking.
@Jeremiah A Craic: We were the same on Thursday but I’d say it’s because it’s here now and they’re advising on how to prevent the spread so if you have it you have it but you’re told to self quarantine for 2 weeks. That’s my guess anyway
@Jeremiah A Craic: Flew home early from Boston through New York, last Wednesday, same thing, HSE had a stand handing out bloody leaflets but not a check to be seen… took it upon myself to self-isolate, called my employer to let them know and find out about any new protocols since I had left, was astounded to be told that if I wasn’t showing any signs of having the virus that I must return to work Monday morning.
Most Multinational companies couldn’t care less about the welfare of their employees. Their shareholders tucked up safely in their homes while they force the working class to keep working through a global pandemic… for nothing other than PROFIT. Putting the lives of 800 employees, their families and everyone associated at risk
@Jeremiah A Craic: Flew home early from Boston through New York, last Wednesday, same thing, HSE had a stand handing out bloody leaflets but not a check to be seen… took it upon myself to self-isolate, called my employer to let them know and find out about any new protocols since I had left, was astounded to be told that if I wasn’t showing any signs of having the virus that I must return to work Monday morning.
Most Multinational companies couldn’t care less about the welfare of their employees. Their shareholders tucked up safely in their homes while they force the working class to keep working through a global pandemic… for nothing other than PROFIT. Putting the lives of 800 employees, their families and everyone associated at risk.
@Richie Corrigan: ah but a lot of people take the piss re work . I’m sure if you are a trusted employee with a good sick record and highly thought of and you felt genuinely at risk or presented a risk to others your company would understand
@Delboy79: I have an exemplary record at work as I would say have 99% of the staff that I work with. Regardless of that you seem to be condoning that a multinational in this country has the right to risk employees health and lives and that of their families on the grounds that some people take the piss regarding work,,,it’s logic like that from people like you that scares me more than anything,,,go read a few books man instead of talking out of your hat here
Can anyone explain why coffee shops are still opened. ? My local one was very busy and another cafe nero beside was opened too and a lot of people could socialise inside. Rules should be same for all.
@Georges Dessaint: two coffee shops at the square in Dundalk are still open. I assume this new legislation is going to force their closures soon. Hopefully. The amount of morons sitting at the window with their friends not a care in the world. That was Friday.
Hey we could do with a hand here in CUH to reposition COVID19 sufferers in their beds. Send in the clowns who are keeping their pubs open and their patrons. We will tog them out and keep them busy. After that you can jail them, fine them and take away their liquor licence
@Liam McDonald: The guards went to a pub in Newbridge last night and couldn’t do anything about it as it’s not illegal to open. Shame on the pub owners and the selfish greedy punters who went there.
we can be a model for europe-BUT we must unite together! lets show Europe how a country can unit and deliver!!! The sooner we unite the sooner we get through this and get back to our lives
*if other countries are careless-another wave could be a possibility; but a united front will win again.
Just remove their licence, less talk and more action otherwise why don’t they all just open again. Also would be good to name and shame, we’re either all in or not…
There was no directive to close the pubs, it was suggested they should close after the eejits in Temple Bar made a holy show of themselves. It is not currently illegal for a pub to be open
Proper order, they’re an absolute disgrace. My husband is a healthcare worker and they’re all exhausted and scared. For people to continue in this selfish manner is so upsetting and disrespectful. Not just to healthcare workers but to all the other heroes working in shops, delivering goods etc. Come on people we can do this!
I got tackled on here for calling for the off licenses to be closed.
Last night in my town, a large group of young men and women took it upon themselves to go camping in the local park, numbers in excess of 10. Doing damage to the park, sleeping on top of each other no doubt. Early hours of the morning our much needed Garda had to go out and deal with this. Not good enough.
If they want to go to ‘black market’ and get “risky” alcohol, let them play with fire. Refuse them free medical care. If we get as bad as Italy, we will not have the privilege of being worried about how safe the drink these people are getting from the back street. Time to priorities now.
Any pub caught open should be closed instantly. All the stick confiscated. Licence revoked. Licence holder fined €250,000 and given jail time. Any patrons caught on the premises should also be given massive fines and jail time. Set a precedence. This pandemic isn’t a joke. Also, those teenagers hanging around and clearly not giving a damn about it and hanging around causing trouble should also be heavily fined and locked up.
And the people flouting the advice are the very ones who’ll scream *police state* and rant about the unpreparedness of the nation. Bring back the stocks. They’re the ones endangering the others who are self isolating.
Can we please have a government to govern. You have emergency powers….use them. Close all non essential business. Enforce self isolation and allow the spread of this virus to slow down until we have antidote.
What we have now is half a**ed and is prolonging the misery for those in self isolation. Schools and colleges are ordered8 closed, not on holiday, so any students found socialising should be charged. Cafes, restaurants and pubs should be ordered to close with immediate effect. Elderly to self isolate.
No more -”pretty please” from Simon and Leo……… GOVERN
‘We could be closing them’. This warning is ineffective as everyone knows that the Irish state doesn’t do enforcement…except when it comes to misdemeanours, typically by those less well-off. I hope I’m wrong.
It depends on the definition of “open”…our local is open but only as a food takeaway service in the evenings. We’re trying to support them even though we rarely eat out….it’s one thing we can actually do to help our “neighbours” in these really difficult times.
Name and shame the pubs? I hope legislation has been brought in to give them these powers – we don’t want the taxpayer sued by businesses, tribunal and more money wasted.
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Cookies, device or similar online identifiers (e.g. login-based identifiers, randomly assigned identifiers, network based identifiers) together with other information (e.g. browser type and information, language, screen size, supported technologies etc.) can be stored or read on your device to recognise it each time it connects to an app or to a website, for one or several of the purposes presented here.
Personalised advertising and content, advertising and content measurement, audience research and services development 141 partners can use this purpose
Use limited data to select advertising 111 partners can use this purpose
Advertising presented to you on this service can be based on limited data, such as the website or app you are using, your non-precise location, your device type or which content you are (or have been) interacting with (for example, to limit the number of times an ad is presented to you).
Create profiles for personalised advertising 83 partners can use this purpose
Information about your activity on this service (such as forms you submit, content you look at) can be stored and combined with other information about you (for example, information from your previous activity on this service and other websites or apps) or similar users. This is then used to build or improve a profile about you (that might include possible interests and personal aspects). Your profile can be used (also later) to present advertising that appears more relevant based on your possible interests by this and other entities.
Use profiles to select personalised advertising 83 partners can use this purpose
Advertising presented to you on this service can be based on your advertising profiles, which can reflect your activity on this service or other websites or apps (like the forms you submit, content you look at), possible interests and personal aspects.
Create profiles to personalise content 38 partners can use this purpose
Information about your activity on this service (for instance, forms you submit, non-advertising content you look at) can be stored and combined with other information about you (such as your previous activity on this service or other websites or apps) or similar users. This is then used to build or improve a profile about you (which might for example include possible interests and personal aspects). Your profile can be used (also later) to present content that appears more relevant based on your possible interests, such as by adapting the order in which content is shown to you, so that it is even easier for you to find content that matches your interests.
Use profiles to select personalised content 34 partners can use this purpose
Content presented to you on this service can be based on your content personalisation profiles, which can reflect your activity on this or other services (for instance, the forms you submit, content you look at), possible interests and personal aspects. This can for example be used to adapt the order in which content is shown to you, so that it is even easier for you to find (non-advertising) content that matches your interests.
Measure advertising performance 132 partners can use this purpose
Information regarding which advertising is presented to you and how you interact with it can be used to determine how well an advert has worked for you or other users and whether the goals of the advertising were reached. For instance, whether you saw an ad, whether you clicked on it, whether it led you to buy a product or visit a website, etc. This is very helpful to understand the relevance of advertising campaigns.
Measure content performance 60 partners can use this purpose
Information regarding which content is presented to you and how you interact with it can be used to determine whether the (non-advertising) content e.g. reached its intended audience and matched your interests. For instance, whether you read an article, watch a video, listen to a podcast or look at a product description, how long you spent on this service and the web pages you visit etc. This is very helpful to understand the relevance of (non-advertising) content that is shown to you.
Understand audiences through statistics or combinations of data from different sources 74 partners can use this purpose
Reports can be generated based on the combination of data sets (like user profiles, statistics, market research, analytics data) regarding your interactions and those of other users with advertising or (non-advertising) content to identify common characteristics (for instance, to determine which target audiences are more receptive to an ad campaign or to certain contents).
Develop and improve services 83 partners can use this purpose
Information about your activity on this service, such as your interaction with ads or content, can be very helpful to improve products and services and to build new products and services based on user interactions, the type of audience, etc. This specific purpose does not include the development or improvement of user profiles and identifiers.
Use limited data to select content 38 partners can use this purpose
Content presented to you on this service can be based on limited data, such as the website or app you are using, your non-precise location, your device type, or which content you are (or have been) interacting with (for example, to limit the number of times a video or an article is presented to you).
Use precise geolocation data 46 partners can use this special feature
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 27 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 90 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 97 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 72 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 53 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 86 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 68 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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