B
bubbley
Guest
Age: 25
Spouse’s/Partner's age: 25
Annual gross income from employment or profession: 30,000
Annual gross income of spouse:18,000 (+ commission, €20-€50 a week)
Type of employment: Civil Servant
In general are you: definitely A
(a) spending more than you earn, or
(b) saving?
Rough estimate of value of home: renting, 600 per month
Amount outstanding on your mortgage:
What interest rate are you paying?
Other borrowings – car loans/personal loans etc
1 loan each- mine 10k (€85/wk), his 5k (€200/month)
Do you pay off your full credit card balance each month? no
If not, what is the balance on your credit card? mine 2k, him €6k
Savings and investments:
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?
we are in major trouble, partner lost his job, has since found one but is spending €80 a week on fuel and took massive pay cut. living on nothing at the moment. both smokers but have cut that to 60 a week between us (would be none smokers only its the only thing that helps with stress). savings drained while OH out of work.
spending €35 a week on food (for the 2 of us), petrol for me €40, OH €80. OH has 2 credit cards, one €10 a week, owes 1,500ish, the other approx 90 a month. my credit card €45 a month. dont go anywhere, getting to the stage where we cant go visit family because we cant afford €20 petrol. cant believe we were that stupid to get ourselves in so much debt. And we got our ESB bill, its overdue and we owe €400
Spouse’s/Partner's age: 25
Annual gross income from employment or profession: 30,000
Annual gross income of spouse:18,000 (+ commission, €20-€50 a week)
Type of employment: Civil Servant
In general are you: definitely A
(a) spending more than you earn, or
(b) saving?
Rough estimate of value of home: renting, 600 per month
Amount outstanding on your mortgage:
What interest rate are you paying?
Other borrowings – car loans/personal loans etc
1 loan each- mine 10k (€85/wk), his 5k (€200/month)
Do you pay off your full credit card balance each month? no
If not, what is the balance on your credit card? mine 2k, him €6k
Savings and investments:
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?
we are in major trouble, partner lost his job, has since found one but is spending €80 a week on fuel and took massive pay cut. living on nothing at the moment. both smokers but have cut that to 60 a week between us (would be none smokers only its the only thing that helps with stress). savings drained while OH out of work.
spending €35 a week on food (for the 2 of us), petrol for me €40, OH €80. OH has 2 credit cards, one €10 a week, owes 1,500ish, the other approx 90 a month. my credit card €45 a month. dont go anywhere, getting to the stage where we cant go visit family because we cant afford €20 petrol. cant believe we were that stupid to get ourselves in so much debt. And we got our ESB bill, its overdue and we owe €400