C
chests
Guest
Hope I have posted in the right section
Age: 31
Spouse’s age: 31
Annual gross income from employment or profession: 28,000
Annual gross income of spouse: 47,000 incl bonses
Type of employment: private sector
In general are you: not a clue
(a) spending more than you earn, or
(b) saving?
Rough estimate of value of home: 200,000
Amount outstanding on your mortgage: 269,000 (Rented out for 800/mth) Pay 450 mth shortfall. Husband lost his job before and could not afford to live in it. Can not move back in – old family member renting it. No options here.
What interest rate are you paying? 3.9% Fixed 3 yrs
Other borrowings – car loans/personal loans etc
Car loan: 5,150 left, 4.32% until 2012 (car value 3000) 200 a month
Loan: 4300 left, 9.59% until 2014, 100 a month
Loan: 8000 left, Pay 303 a month, 11 or 12%,
Overdraft: 2500
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card? 1700, ?% rate
Savings and investments: Yes
Shares: 4,000
E1000 in an A/c
Do you have a pension scheme? Yes (both provided by employer now)
Do you own any investment or other property? Above if you can call it that
Ages of children: None - to worried
Life insurance: With mortgage 25 a mth (decreasing cover)
Bills:
Airtricity: 35 mth
Renting apartment: 600 mth
TV license: 160 yr
Cat food: 12 mth
Food: 60 a wk – aldi & Tesco,
VHI: 900 a year (VHI just for spouse)
Petrol: 20 wk
Car insurance: 450 yr
Phone/ communication: mobiles (40 a mth), internet (35 a mth in a contract for 6 mths)
Cable: 80 Mth
NPPR: 200 yr
Car Tax ?
Misc: 60 a wk (We both smoke- only thing that keep us going)
What specific question do you have or what issues are of concern to you?
Short term; Can’t seem to save. Unexpected monthly bills. We renting and don’t want to be here for rest of lives. Be able to plan for the future – kids/ house. Any ideas?
Age: 31
Spouse’s age: 31
Annual gross income from employment or profession: 28,000
Annual gross income of spouse: 47,000 incl bonses
Type of employment: private sector
In general are you: not a clue
(a) spending more than you earn, or
(b) saving?
Rough estimate of value of home: 200,000
Amount outstanding on your mortgage: 269,000 (Rented out for 800/mth) Pay 450 mth shortfall. Husband lost his job before and could not afford to live in it. Can not move back in – old family member renting it. No options here.
What interest rate are you paying? 3.9% Fixed 3 yrs
Other borrowings – car loans/personal loans etc
Car loan: 5,150 left, 4.32% until 2012 (car value 3000) 200 a month
Loan: 4300 left, 9.59% until 2014, 100 a month
Loan: 8000 left, Pay 303 a month, 11 or 12%,
Overdraft: 2500
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card? 1700, ?% rate
Savings and investments: Yes
Shares: 4,000
E1000 in an A/c
Do you have a pension scheme? Yes (both provided by employer now)
Do you own any investment or other property? Above if you can call it that
Ages of children: None - to worried
Life insurance: With mortgage 25 a mth (decreasing cover)
Bills:
Airtricity: 35 mth
Renting apartment: 600 mth
TV license: 160 yr
Cat food: 12 mth
Food: 60 a wk – aldi & Tesco,
VHI: 900 a year (VHI just for spouse)
Petrol: 20 wk
Car insurance: 450 yr
Phone/ communication: mobiles (40 a mth), internet (35 a mth in a contract for 6 mths)
Cable: 80 Mth
NPPR: 200 yr
Car Tax ?
Misc: 60 a wk (We both smoke- only thing that keep us going)
What specific question do you have or what issues are of concern to you?
Short term; Can’t seem to save. Unexpected monthly bills. We renting and don’t want to be here for rest of lives. Be able to plan for the future – kids/ house. Any ideas?