Age: 38
Spouse’s/Partner's age: Separated
Annual gross income from employment or profession: 16,000 also 1,000 per month maintenance for children...total monthly income after tax approx 2,300
Childrens Allowance:320 per month
Type of employment: Administration
Expenditure pattern: In general are you spending more than you earn or are you saving? Not saving, spending as fast as its coming in and more
Rough estimate of value of home: 530K
Mortgage on home: 198 remaining
Mortgage provider: EBS
Type of mortgage: Standard Variable
Interest rate: repayment is 1100 per month
Quinn healthcare: 67 euro per month
Other borrowings – 7,500 credit union loan 370 per month repayment
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card? 2,500
Arrears to pay off to Dublin Council 485 remaining
Savings and investments: 940 Euro c u shares (cant be wthdrawn till loan is cleared) 750 Euro in EBS
Do you have a pension scheme? No
Do you own any investment or other property? No
Ages of children: 11+9
Life insurance: for mortgage only
Mortgage repayments are 1100 per month and pay 67 euro per month for Quinn Healthcare
Hi I would appreciate any advice as things are tight. I was working full time but this was not cost effective as childminding cost more than the difference in pay. Working part time have no childminding fees due to family helping out. Thanks everyone
Spouse’s/Partner's age: Separated
Annual gross income from employment or profession: 16,000 also 1,000 per month maintenance for children...total monthly income after tax approx 2,300
Childrens Allowance:320 per month
Type of employment: Administration
Expenditure pattern: In general are you spending more than you earn or are you saving? Not saving, spending as fast as its coming in and more
Rough estimate of value of home: 530K
Mortgage on home: 198 remaining
Mortgage provider: EBS
Type of mortgage: Standard Variable
Interest rate: repayment is 1100 per month
Quinn healthcare: 67 euro per month
Other borrowings – 7,500 credit union loan 370 per month repayment
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card? 2,500
Arrears to pay off to Dublin Council 485 remaining
Savings and investments: 940 Euro c u shares (cant be wthdrawn till loan is cleared) 750 Euro in EBS
Do you have a pension scheme? No
Do you own any investment or other property? No
Ages of children: 11+9
Life insurance: for mortgage only
Mortgage repayments are 1100 per month and pay 67 euro per month for Quinn Healthcare
Hi I would appreciate any advice as things are tight. I was working full time but this was not cost effective as childminding cost more than the difference in pay. Working part time have no childminding fees due to family helping out. Thanks everyone