Bigger Picture
Registered User
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- 1
Age: 32
Spouse’s/Partner's age: N/A
Annual gross income from employment or profession: €
Monthly take-home pay €2000
Type of employment: Private Sector
In general are you:
(b) saving
Rough estimate of value of home N/A
Amount outstanding on your mortgage: N/A
What interest rate are you paying? N/A
Other borrowings – car loans/personal loans etc. N/A
Do you pay off your full credit card balance each month? N/A
If not, what is the balance on your credit card?
Savings and investments: N/A
Do you have a pension scheme? No
Do you own any investment or other property? No
Ages of children: N/A
Life insurance: None
What specific question do you have or what issues are of concern to you?
I have been saving regular for many years and now I wish to put that lump sum away. My view is this is a savings for medium or long term use.
Moving forward form here....Starting from scratch....
At 32, I need to put a financial plan in place. My finances to date have been regular saving any extra funds available after monthly costs. Costs over the years have been groceries, rent, household bills, meals out, travel etc.
Plans, I’m optimistic of buying a house in the future. I wish to put my current savings/lump sum away and if I need it for property, use it …. If not defer the use of it to retirement …. Factors at the time will make this decision for me.
I’m thinking from now…
Save regularly into a rainy day fund. I read here... suggested amount 3 moths wages...Target Amount?? €
Medium???? Car / Travel
Long term plan – Pension
What’s best to do with Lump sum? I don't know what to do with my current savings. Deposit account – Investments??? If I don’t need it, it will be for property....
I don’t have a pension, how do I find out what amount I should try saves per month, what I will need. Any recommended calculator would be of great interest to me.... Really lost on this one.…
I’m meeting a few financial advisers in the banks this week and hope to make a decision on my finances, but I’m very confused on what’s the best thing to do. What are people experiences? With Banks….. Deposits or Investment? Setting up a pension? I wish to get additional views not just from the bank advisers as I’m very inexperienced and don’t want to make a decision that’s thoughtless and uneducated on the mater, seen as it’s such an import one.
I should have started this before now…. But better later than never.
Any advice is greatly appreciated, and Thanks for all the great information on here.
Bigger Picture
Spouse’s/Partner's age: N/A
Annual gross income from employment or profession: €
Monthly take-home pay €2000
Type of employment: Private Sector
In general are you:
(b) saving
Rough estimate of value of home N/A
Amount outstanding on your mortgage: N/A
What interest rate are you paying? N/A
Other borrowings – car loans/personal loans etc. N/A
Do you pay off your full credit card balance each month? N/A
If not, what is the balance on your credit card?
Savings and investments: N/A
Do you have a pension scheme? No
Do you own any investment or other property? No
Ages of children: N/A
Life insurance: None
What specific question do you have or what issues are of concern to you?
I have been saving regular for many years and now I wish to put that lump sum away. My view is this is a savings for medium or long term use.
Moving forward form here....Starting from scratch....
At 32, I need to put a financial plan in place. My finances to date have been regular saving any extra funds available after monthly costs. Costs over the years have been groceries, rent, household bills, meals out, travel etc.
Plans, I’m optimistic of buying a house in the future. I wish to put my current savings/lump sum away and if I need it for property, use it …. If not defer the use of it to retirement …. Factors at the time will make this decision for me.
I’m thinking from now…
Save regularly into a rainy day fund. I read here... suggested amount 3 moths wages...Target Amount?? €
Medium???? Car / Travel
Long term plan – Pension
What’s best to do with Lump sum? I don't know what to do with my current savings. Deposit account – Investments??? If I don’t need it, it will be for property....
I don’t have a pension, how do I find out what amount I should try saves per month, what I will need. Any recommended calculator would be of great interest to me.... Really lost on this one.…
I’m meeting a few financial advisers in the banks this week and hope to make a decision on my finances, but I’m very confused on what’s the best thing to do. What are people experiences? With Banks….. Deposits or Investment? Setting up a pension? I wish to get additional views not just from the bank advisers as I’m very inexperienced and don’t want to make a decision that’s thoughtless and uneducated on the mater, seen as it’s such an import one.
I should have started this before now…. But better later than never.
Any advice is greatly appreciated, and Thanks for all the great information on here.
Bigger Picture