X
x+y
Guest
Age: 28
Spouse’s/Partner's age: 27
Annual gross income from employment or profession: 30,000
Annual gross income spouse:34,000
Type of employment: private sector
Expenditure pattern: In general are you spending more than you earn or are you saving? not saving, spending all income
Rough estimate of value of home 315,000
Mortgage on home 305,000
Mortgage provider: PTSB
Type of mortgage: fixed rate
Interest rate 5%
Other borrowings –
car loans - None
credit union - 14,000 pay 75 a week
partner credit union - 6,000 - pay 70 a week
personal loan - 4000
Do you pay off your full credit card balance each month? no
If not, what is the balance on your credit card? 2,300
partner credit card - 2,500
Savings and investments: 3000 Credit Union
Partner 3000 Credit Union
Do you have a pension scheme? Yes, both through work
Do you own any investment or other property? no
Ages of children: none
Life insurance: policy through work
Mortgage protection
What specific question do you have or what issues are of concern to you?
basically, we are living week to week, finding difficulty in paying balance of credit cards and very little left for saving for future. want advice on how best to become more financially comfortable & curious if many others of our age are in similar situation?
Spouse’s/Partner's age: 27
Annual gross income from employment or profession: 30,000
Annual gross income spouse:34,000
Type of employment: private sector
Expenditure pattern: In general are you spending more than you earn or are you saving? not saving, spending all income
Rough estimate of value of home 315,000
Mortgage on home 305,000
Mortgage provider: PTSB
Type of mortgage: fixed rate
Interest rate 5%
Other borrowings –
car loans - None
credit union - 14,000 pay 75 a week
partner credit union - 6,000 - pay 70 a week
personal loan - 4000
Do you pay off your full credit card balance each month? no
If not, what is the balance on your credit card? 2,300
partner credit card - 2,500
Savings and investments: 3000 Credit Union
Partner 3000 Credit Union
Do you have a pension scheme? Yes, both through work
Do you own any investment or other property? no
Ages of children: none
Life insurance: policy through work
Mortgage protection
What specific question do you have or what issues are of concern to you?
basically, we are living week to week, finding difficulty in paying balance of credit cards and very little left for saving for future. want advice on how best to become more financially comfortable & curious if many others of our age are in similar situation?