Insights from an IT Architect’s €90K Financial Journey in Dublin

The financial habits of an IT systems architect living in Dublin on a salary of €90,000 provide a window into the lifestyle and budgeting strategies of professionals in the tech industry. This individual’s experience, part of a series that explores the spending habits of various earners, reveals insights into the balancing act between enjoying life and saving for the future.

A Glimpse into Daily Life

At 35 years old, the architect works remotely for a major tech company, allowing for flexibility and comfort in daily routines. Their primary financial goal is to achieve financial independence by the age of 50, which drives them to save at least €1,600 monthly along with a significant portion of their bonuses. The architect’s expenditures reflect a balanced approach to financial management while enjoying cultural pursuits and maintaining a comfortable lifestyle.

Each week, the architect tracks their income and expenses, providing a detailed account of their financial activities. Living in Dublin, the cost of living is high, particularly in housing. The architect pays €2,400 in rent, which forms a significant part of their monthly outgoings. Despite the hefty rent, the architect notes that the overall quality of life in Ireland surpasses that of their home country, Germany.

A Detailed Breakdown of Weekly Expenses

The architect’s weekly spending habits are reflective of their priorities. A typical day begins early, often with a cup of tea and reading the morning newspapers, followed by a walk to their local coffee shop for a large Americano, costing €3.60. They typically prepare their meals, with lunches often consisting of home-cooked salads or porridge, minimizing unnecessary food expenses.

A standout moment from their week includes a cinema outing every Monday, supported by a seasonal pass that allows them to enjoy films like *Christy* at the Pavilion Cinema. The cost for this entertainment is manageable, enhancing their quality of life without overspending.

Throughout the week, the architect maintains a workout routine, often cycling to the gym or engaging in home workouts, which helps keep health-related expenses low. They also enjoy reading and exploring cultural activities, opting for library services rather than subscription-based streaming platforms to save costs while still engaging with quality content.

The architect’s total weekly expenditure, amounting to €123.30, illustrates their financial discipline. They consciously allocate funds for savings and investments while enjoying their daily routines. Their reflections reveal an understanding of the importance of both financial planning and personal enjoyment.

In summary, this snapshot of an IT systems architect’s financial life in Dublin highlights the intricate balance between saving for the future and enjoying the present. With a clear focus on long-term goals, sustainable living, and a commitment to personal interests, this professional exemplifies how careful financial management can lead to a fulfilling lifestyle.