Age: 23
Annual gross income from employment or profession: 25k
Annual gross income of spouse:
Type of employment: Account Manager
In general are you:
(a) spending more than you earn
Rent: 260 every 2 weeks
Dentist: 300 a month for the next 3 months
Loan: 370
Gym: 54
Food: 300
Bills: 50
Travel: 30
Other borrowings – car loans/personal loans etc
Student Loan 8k: Have been paying 370 a month on this since August, I paid interest only on it for a year prior to this.
MBNA CC: 3400k+ , I'm over my limit and in arrears so not sure of the exact amount now. I was on a payment plan but thats finished now and I can't keep up minimum repayments.
AIB CC: 2100k, also in arrears, limit is 2k
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card? 3400k on mbna, 2100 on AIB
Savings and investments: None
Do you have a pension scheme? No
Do you own any investment or other property? No
Ages of children: None
Life insurance: None
What specific question do you have or what issues are of concern to you?
After I pay everything off I'm finding it very hard to manage my money, I have very little spare and I'm a bit worried about this ocming up to xmas, I need to get in control of it but I'm not sure how. I've contacted MABS but I'm on a 3 week waiting list. I'd appreciate any advice
Thanks a milion
Annual gross income from employment or profession: 25k
Annual gross income of spouse:
Type of employment: Account Manager
In general are you:
(a) spending more than you earn
Rent: 260 every 2 weeks
Dentist: 300 a month for the next 3 months
Loan: 370
Gym: 54
Food: 300
Bills: 50
Travel: 30
Other borrowings – car loans/personal loans etc
Student Loan 8k: Have been paying 370 a month on this since August, I paid interest only on it for a year prior to this.
MBNA CC: 3400k+ , I'm over my limit and in arrears so not sure of the exact amount now. I was on a payment plan but thats finished now and I can't keep up minimum repayments.
AIB CC: 2100k, also in arrears, limit is 2k
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card? 3400k on mbna, 2100 on AIB
Savings and investments: None
Do you have a pension scheme? No
Do you own any investment or other property? No
Ages of children: None
Life insurance: None
What specific question do you have or what issues are of concern to you?
After I pay everything off I'm finding it very hard to manage my money, I have very little spare and I'm a bit worried about this ocming up to xmas, I need to get in control of it but I'm not sure how. I've contacted MABS but I'm on a 3 week waiting list. I'd appreciate any advice
Thanks a milion