Money Diaries: A 25-year-old finance analyst on €45K living in the family home in Clare

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This week, our reader feels lucky to be able to live with his parents rent-free while saving up for a deposit to buy his own house.

TheJournal.ie reader WELCOME TO HOW I Spend My Money, a series on The Journal that looks at how people in Ireland really handle their finances.

Last time around, we heard from a management consultant on €62K living in Dublin with his dog. This week, a 25-year-old finance analyst on €45K living in the family home in Clare. At present, I save around €2,000 per month. I know I will not always be able to save this amount, especially when I am back in the office and have to pay for rent and living expenses. I want to save as much as I can now while I am living at home.

9.00 am: After finishing my breakfast and brushing my teeth, I head back upstairs and get back to work. 6.00 pm: Arrive back home and have my dinner. Afterwards, I iron my clothes for tomorrow and pack my lunch.9.30 pm: I have to be up early tomorrow to make the long commute to my office, so head to bed and set the alarm for 5.45 am.Tuesday 5.45 am: The alarm goes off. I stumble out of bed and throw on my work clothes before heading into the kitchen to have some breakfast.

1.45 pm: Return to my desk and continue some more work. My manager has arranged a meeting with the team later on, so I do some prep work for that. 1.00 pm: Break for lunch. I am lucky to live near a beach, and I decide to go for a run. The back is still a bit sore, but the exercise and fresh air are well worth it nonetheless.2.00 pm: Go for a shower then head back to work.

1.45 pm: Head back to work. I have been assigned some tasks from this morning’s meeting, so carry out some of these for the afternoon. 8.15 pm: I throw on a t-shirt and jeans before I get picked up. We are lucky that one of the lads has decided to stay off the drink for a while, and he is nominated the designated driver.

 

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