Age: 34
Annual gross income from employment or profession: 26312
Monthly take-home pay 1592
Type of employment: e.g. Civil Servant (For 4 years so far)
In general are you:
(a) spending more than you earn, or
(b) saving?
Generally spending slightly over what I'm earning.
Rough estimate of value of home N/A
Amount outstanding on your mortgage: N?A
What interest rate are you paying? N/A
Rent is €500 a month
Bills (i.e. tv, gas electric, bins approx. 90 a month at the moment and will obviously get higher over the colder months)
Travel costs: 23 a week for public transport
Other borrowings – car loans/personal loans etc N/A
What specific question do you have or what issues are of concern to you?
Do you pay off your full credit card balance each month? Yes (at the moment)
If not, what is the balance on your credit card?
Savings and investments: maybe 300 in deposit accounts approx.
Do you have a pension scheme? Yes (though doesnt appear to be worth much more than the state pension on my wages and thats after 40 years service)
Do you own any investment or other property? No
Ages of children: N/A
Life insurance: No
What specific question do you have or what issues are of concern to you?
Specifically i am wondering if I am crazy to keep working seeing as my budget is so tight approx €24 a day after all bills and that has to pay for food haircuts doctors, etc. I dont drink or smoke or do drugs either it just seems such a tight budget... I also hate my job and would rather re-train to work for myself any comments or suggestions every welcome thanks. Colc
Annual gross income from employment or profession: 26312
Monthly take-home pay 1592
Type of employment: e.g. Civil Servant (For 4 years so far)
In general are you:
(a) spending more than you earn, or
(b) saving?
Generally spending slightly over what I'm earning.
Rough estimate of value of home N/A
Amount outstanding on your mortgage: N?A
What interest rate are you paying? N/A
Rent is €500 a month
Bills (i.e. tv, gas electric, bins approx. 90 a month at the moment and will obviously get higher over the colder months)
Travel costs: 23 a week for public transport
Other borrowings – car loans/personal loans etc N/A
What specific question do you have or what issues are of concern to you?
Do you pay off your full credit card balance each month? Yes (at the moment)
If not, what is the balance on your credit card?
Savings and investments: maybe 300 in deposit accounts approx.
Do you have a pension scheme? Yes (though doesnt appear to be worth much more than the state pension on my wages and thats after 40 years service)
Do you own any investment or other property? No
Ages of children: N/A
Life insurance: No
What specific question do you have or what issues are of concern to you?
Specifically i am wondering if I am crazy to keep working seeing as my budget is so tight approx €24 a day after all bills and that has to pay for food haircuts doctors, etc. I dont drink or smoke or do drugs either it just seems such a tight budget... I also hate my job and would rather re-train to work for myself any comments or suggestions every welcome thanks. Colc