Home Buyers Guide

Chapter 3: Money, Money, Money

9. Furnishings & Fittings:

Don't forget to allow money to furnish your property and kit it out a washing machine, dish washer, fridge etc.

One of the benefits of the current recession is that many furniture and electrical sellers are willing to negotiate on price.

Don’t be afraid to ask for a big discount.

Ongoing Bills:

The main items you need to account for are:

• Mortgage repayments

• Mortgage protection (life) insurance

• House (& contents) insurance

• Redundancy cover (optional)

• Serious illness cover (optional)

• Management Fee (on apartments & some newer homes – check with the estate agent for details).

These fees usually range from €1000 - €1500 or more per year

• Electricity

• Gas

• Bin collection fees

• Phone (landline & mobile)

• Broadband

• Cable or Sky

• TV license

• Grocery bills

• Don’t forget other essentials (such as the occasional pint or restaurant meal).

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