Age: 38
Annual gross income from employment or profession: €62K
Type of employment: Manager, Private Sector
I am spending more than I earn
Rough estimate of value of home €250K
Amount outstanding on your mortgage: €309K
What interest rate are you paying? 5 Year Fixed at 4.89%, in year 2 of Mortgage
Currently on Interest only of €1250/Month
Other borrowings;
car loan - €7500 with GE with one year left, €475/Month
credit union - €3000, €300/Month
Do you pay off your full credit card balance each month? Yes
If not, what is the balance on your credit card?
Tesco Credit Card - €1700
TSB ICE - €1400
Credit cards not in use anymore.
Savings and investments:
€1500 in Credit Union
€8000 in Personal Bond
Do you have a pension scheme? Yes with work.
Do you own any investment or other property? No
Ages of children: 0
Life insurance:
Any help would be grateful....
I would like to try and consolidate the car loan and credit cards..any advice?
Thanks in advance.
Annual gross income from employment or profession: €62K
Type of employment: Manager, Private Sector
I am spending more than I earn
Rough estimate of value of home €250K
Amount outstanding on your mortgage: €309K
What interest rate are you paying? 5 Year Fixed at 4.89%, in year 2 of Mortgage
Currently on Interest only of €1250/Month
Other borrowings;
car loan - €7500 with GE with one year left, €475/Month
credit union - €3000, €300/Month
Do you pay off your full credit card balance each month? Yes
If not, what is the balance on your credit card?
Tesco Credit Card - €1700
TSB ICE - €1400
Credit cards not in use anymore.
Savings and investments:
€1500 in Credit Union
€8000 in Personal Bond
Do you have a pension scheme? Yes with work.
Do you own any investment or other property? No
Ages of children: 0
Life insurance:
Any help would be grateful....
I would like to try and consolidate the car loan and credit cards..any advice?
Thanks in advance.