Age: 42
Spouse’s/Partner's age: 46
Annual gross income from employment or profession: stay at home parent
Annual gross income of spouse:60000
Monthly take-home pay 3900
Type of employment: e.g. Civil Servant, self-employed employee
In general are you:
(a) spending more than you earn, or
(b) saving?
We put €100 a week into an account towards a new car. Allocate €180 per week for regular bills and pay them as they arrive e.g. health insurance/ esb etc We seem to just go through the rest of the money.
Rough estimate of value of home 140000
Amount outstanding on your mortgage: nil
What interest rate are you paying?
Other borrowings – car loans/personal loans etc none
Do you pay off your full credit card balance each month? yes
If not, what is the balance on your credit card?
Savings and investments:
rabo 27000 demand online .75% int
perm tsb 23000 demand online .10% int
perm tsb 49000 online instant access .85%
perm tsb 5600 online regular saver 1.75%
perm tsb 7400 21 day regular saver 1.5% (kids account)
perm tsb 14900 21 day regular saver 1.5% (kids account)
Do you have a pension scheme?
cif pension scheme. pays €100 avc per week.
Do you own any investment or other property? no
Ages of children: 8 /5
Life insurance: none
What specific question do you have or what issues are of concern to you?
Need advice please on what is best to do with our savings. Thank you!
Spouse’s/Partner's age: 46
Annual gross income from employment or profession: stay at home parent
Annual gross income of spouse:60000
Monthly take-home pay 3900
Type of employment: e.g. Civil Servant, self-employed employee
In general are you:
(a) spending more than you earn, or
(b) saving?
We put €100 a week into an account towards a new car. Allocate €180 per week for regular bills and pay them as they arrive e.g. health insurance/ esb etc We seem to just go through the rest of the money.
Rough estimate of value of home 140000
Amount outstanding on your mortgage: nil
What interest rate are you paying?
Other borrowings – car loans/personal loans etc none
Do you pay off your full credit card balance each month? yes
If not, what is the balance on your credit card?
Savings and investments:
rabo 27000 demand online .75% int
perm tsb 23000 demand online .10% int
perm tsb 49000 online instant access .85%
perm tsb 5600 online regular saver 1.75%
perm tsb 7400 21 day regular saver 1.5% (kids account)
perm tsb 14900 21 day regular saver 1.5% (kids account)
Do you have a pension scheme?
cif pension scheme. pays €100 avc per week.
Do you own any investment or other property? no
Ages of children: 8 /5
Life insurance: none
What specific question do you have or what issues are of concern to you?
Need advice please on what is best to do with our savings. Thank you!