AGE: 36
SPOUSE AGE: 39
ANNUAL INCOME ME: 3000pm
I get 100pm towards car expense from work also
SPOUSE INCOME: 3100pm
TYPE OF EMPLOYMENT: Me: public sector spouse: private sector
Pension: me public sector, spouse PRSA pays in 525pm
Childcare of 400pm
Sky package basic one of 20 euro pm
Petrol/car insurance 150pm
ESB 100 pm
Landline/broadband 100pm
Gas 100pm
Groceries 800pm
Mobile phone I tend to txt only 20pm
Socialising 500pm
Health insurance 100pm
life assurance/home insurance 100pm
Savings:
Saving credit union 160pm
Savings Irish Life in 5 yr plan which will matyre in June 2012 at 315pm
Mortgage:
Mortgage of 1157pm with AIB at variable rate
ROUGH ESTIMATE VALUE OF HOME: 300,000
MORTGAGE: 270,000
Car Loan with AIB of 17,000 at 330 pm at 8% over 5 yrs
We have no other loans.
Investment property:
190,000 interest only mortgage
we have an interest only mortgage which is covered by rent,mortgage is 650pm rent is same
Children: a boy who is 16months old
My question/area of concern:
Can I afford to go jobsharing? It will half my salary so will be on a salary of 30,000 a year but I hate working fulltime and want to spend more time with my son.My childcare is 400pm at moment but will go to 200pm if I jobshare.My car expenses are quite low as we both live really near work and sometimes walk to work.
Also does anyone know can my husband then take my tax free allowance?
SPOUSE AGE: 39
ANNUAL INCOME ME: 3000pm
I get 100pm towards car expense from work also
SPOUSE INCOME: 3100pm
TYPE OF EMPLOYMENT: Me: public sector spouse: private sector
Pension: me public sector, spouse PRSA pays in 525pm
Childcare of 400pm
Sky package basic one of 20 euro pm
Petrol/car insurance 150pm
ESB 100 pm
Landline/broadband 100pm
Gas 100pm
Groceries 800pm
Mobile phone I tend to txt only 20pm
Socialising 500pm
Health insurance 100pm
life assurance/home insurance 100pm
Savings:
Saving credit union 160pm
Savings Irish Life in 5 yr plan which will matyre in June 2012 at 315pm
Mortgage:
Mortgage of 1157pm with AIB at variable rate
ROUGH ESTIMATE VALUE OF HOME: 300,000
MORTGAGE: 270,000
Car Loan with AIB of 17,000 at 330 pm at 8% over 5 yrs
We have no other loans.
Investment property:
190,000 interest only mortgage
we have an interest only mortgage which is covered by rent,mortgage is 650pm rent is same
Children: a boy who is 16months old
My question/area of concern:
Can I afford to go jobsharing? It will half my salary so will be on a salary of 30,000 a year but I hate working fulltime and want to spend more time with my son.My childcare is 400pm at moment but will go to 200pm if I jobshare.My car expenses are quite low as we both live really near work and sometimes walk to work.
Also does anyone know can my husband then take my tax free allowance?