Key Post Basic information required for the "Money Makeover" forum

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Brendan Burgess

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It can be difficult, but please try to use a meaningful title in your thread
For example "27 year old with mortgage arrears".

You will get a much better and much more coherent answer if you give as much information as possible in your first post. For example, if you give your mortgage rate, it will make it unnecessary for others to ask you if you are getting the best rate.

It would also be helpful to edit your first post later by adding extra information which you consider relevant.

Have a look at this post for a good example of how to do it.

J29 has provided a very useful spreadsheet which you might like to use to review your finances.

But - this forum is widely read. If you provide very specific information, your friends might identify you.

Personal details


Age:
Spouse’s/Partner's age:

Number and age of children:


Income and expenditure
Annual gross income from employment or profession:
Annual gross income of spouse:

Monthly take-home pay

Type of employment: e.g. Civil Servant, self-employed

In general are you:
(a) spending more than you earn, or
(b) saving?


Summary of Assets and Liabilities
Family home worth €200k with a €100k mortgage
Cash of €25k
Defined Contribution pension fund: €400k
Company shares : €40k
Buy to Let Property worth €300k with mortgage of €300k


Family home mortgage information
Lender
Interest rate
If fixed, what is the term remaining of the fixed rate?

(No need to tell us the monthly repayments or what term is left)

Other borrowings – car loans/personal loans etc

Do you pay off your full credit card balance each month?
If not, what is the balance on your credit card?


Buy to let properties
Value:
Rental income per year:
Rough annual expenses other than mortgage interest :
Lender
Interest rate
If fixed, what is the term remaining of the fixed rate?

Other savings and investments:

Do you have a pension scheme?

Do you own any investment or other property?

Other information which might be relevant

Life insurance:


What specific question do you have or what issues are of concern to you?
 
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