Age: 33
Spouse’s/Partner's age: N/A
Annual gross income from employment or profession: 39,000
Annual gross income of spouse:
Monthly take-home pay €2,586.34
Type of employment: e.g. Civil Servant, self-employed private sector
In general are you:
(a) spending more than you earn, or
(b) saving? saving
Rough estimate of value of home N/A
Amount outstanding on your mortgage: N/A
What interest rate are you paying? N/A
Other borrowings – car loans/personal loans etc. overdraft €600
Do you pay off your full credit card balance each month? dont have one
If not, what is the balance on your credit card?
Savings and investments: 12,045 in two savings accounts, 1,143 in P2P financing. Winding P2P down to keep all in savings account
Do you have a pension scheme? paying 500 a month not matched. worth around 11k
Do you own any investment or other property? No
Ages of children: N/A
Life insurance: death in service with work
What specific question do you have or what issues are of concern to you?
I am looking to get my first house late next year. I am savings €1,200 a month towards this. This will give me 25-30k in savings when i got to buy. My monthly outgoing are around €900 inc pension rent (i live at home). I am helped that travel and health insurance is taken out at source. I have around €400 a month for day to day spending. I am hoping to get a promotion by year end that will push me up to 45k salary. under the rebuilding Ireland propgramme i should be able to get a mortgage of €225,000 and i would be looking at around €250,000 total spend on the house.
Is there anything else i could be doing to help me towards my goal. I am thinking about freezing the pension for the year and adding that to my savings.
Spouse’s/Partner's age: N/A
Annual gross income from employment or profession: 39,000
Annual gross income of spouse:
Monthly take-home pay €2,586.34
Type of employment: e.g. Civil Servant, self-employed private sector
In general are you:
(a) spending more than you earn, or
(b) saving? saving
Rough estimate of value of home N/A
Amount outstanding on your mortgage: N/A
What interest rate are you paying? N/A
Other borrowings – car loans/personal loans etc. overdraft €600
Do you pay off your full credit card balance each month? dont have one
If not, what is the balance on your credit card?
Savings and investments: 12,045 in two savings accounts, 1,143 in P2P financing. Winding P2P down to keep all in savings account
Do you have a pension scheme? paying 500 a month not matched. worth around 11k
Do you own any investment or other property? No
Ages of children: N/A
Life insurance: death in service with work
What specific question do you have or what issues are of concern to you?
I am looking to get my first house late next year. I am savings €1,200 a month towards this. This will give me 25-30k in savings when i got to buy. My monthly outgoing are around €900 inc pension rent (i live at home). I am helped that travel and health insurance is taken out at source. I have around €400 a month for day to day spending. I am hoping to get a promotion by year end that will push me up to 45k salary. under the rebuilding Ireland propgramme i should be able to get a mortgage of €225,000 and i would be looking at around €250,000 total spend on the house.
Is there anything else i could be doing to help me towards my goal. I am thinking about freezing the pension for the year and adding that to my savings.
Last edited: