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

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 marketing manager on €63K living in Dublin. This week, an accountant on €88K living in the Midlands. 

I am a 28-year-old accountant working in Dublin. I bought a house outside of the city about a year ago and my commute into the office now takes about an hour and a half in total, usually about two days a week. I used to be a good spender, but now that I have my home, any extra money I have goes towards renovations and home improvements and paying off my Revolut loan (€30k).

Occupation: Accountant

Age: 28

Location: Working in Dublin, living in the Midlands

Salary: €88,000 including bonus

Monthly pay (net): €4,326 net for a standard month, €100 into pension monthly

Transport: €50 (I get the train to work and don’t own a car as I live close to the train station)

Rent: Mortgage is €1,000 each (my partner pays the other half)

Household bills: We both put in about €600 each month to cover all other bills including food

Phone bill: €7.99 with 48

Health insurance: Don’t have health insurance

Groceries: Covered in household bills above

Loan: I had to take out a €30,000 Revolut loan last year which I am trying to pay off as soon as possible. I pay €630 monthly, but have about €16,000 left at the moment. I........

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