Age: 34
Spouse’s/Partner's age: none
Annual gross income from employment or profession: 28500
Annual gross income of spouse:
Type of employment: employee
In general are you spending more than you earn or are you saving? breaking even
Rough estimate of value of home: €280,000
Amount outstanding on your mortgage: 110,000
What interest rate are you paying? 4.60%
Other borrowings – car loans/personal loans etc
Car loan paying €278 per month ( 17 months left)
Personal Loan paying €220 per month (8 yr left)
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card?
C.C no 1 €2950 balance on €3000 limit
C.C no 2 €1400 balance on €1500 limit
Savings and investments:
10,000 aib savings acc
7000 first active account
1500 in joint savers account with Fiancee (250 a month)
1500 in Friends first 5yr SSIA scheme. (250 a month)
Do you have a pension scheme? no
Do you own any investment or other property? no
Ages of children: none
Life insurance: no
What specific question do you have or what issues are of concern to you? ....I am getting married in 12 months time and am wondering is there any way i could free up some money. I dont want to touch the savings (nest egg) but at the end of every month i have nothing left in my account just for day to day things.
Any ideas how i could free up cash ?
Thank you
Pablo74
Spouse’s/Partner's age: none
Annual gross income from employment or profession: 28500
Annual gross income of spouse:
Type of employment: employee
In general are you spending more than you earn or are you saving? breaking even
Rough estimate of value of home: €280,000
Amount outstanding on your mortgage: 110,000
What interest rate are you paying? 4.60%
Other borrowings – car loans/personal loans etc
Car loan paying €278 per month ( 17 months left)
Personal Loan paying €220 per month (8 yr left)
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card?
C.C no 1 €2950 balance on €3000 limit
C.C no 2 €1400 balance on €1500 limit
Savings and investments:
10,000 aib savings acc
7000 first active account
1500 in joint savers account with Fiancee (250 a month)
1500 in Friends first 5yr SSIA scheme. (250 a month)
Do you have a pension scheme? no
Do you own any investment or other property? no
Ages of children: none
Life insurance: no
What specific question do you have or what issues are of concern to you? ....I am getting married in 12 months time and am wondering is there any way i could free up some money. I dont want to touch the savings (nest egg) but at the end of every month i have nothing left in my account just for day to day things.
Any ideas how i could free up cash ?
Thank you
Pablo74
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