Age: 28
Spouse’s/Partner's age: 38
Annual gross income from employment or profession: 51,500
Annual gross income spouse: 27,000
Type of employment: Civil Servant
Expenditure pattern: on paper I shouldn't be but in reality i am overspending and wasting money on expensive fees and charges
Rough estimate of value of home: €310K
Mortgage on home: €225 (have been making repayment for 14 months on this amount so not sure what outstanding amount is currently)
Mortgage provider: IIB Homeloans
Type of mortgage: Tracker
Interest rate: 5.25%
Other borrowings – loads:
€21,800 outstanding on house deposit
€5,500 car
€17,000 furniture
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card? €4,750
Savings and investments: €24,500 loan to family member due for repayment to me Aug 2009. €2,500 CU
Do you have a pension scheme? Yes, state
Do you own any investment or other property? No
Ages of children: none
Life insurance: mortgage protection, special illness, income continuous
What specific question do you have or what issues are of concern to you? House is solely owned by me and all bills are DD from my a/c. Use partner's take home for weekly expenses and some bills. DDs regularly clash and miss payments incurring unpaid fees and late charges. always seem to be on back foot and cant seem to get ahead in order to avoid late payments etc. cant seem to stick to budget to have available cash for annual charges (insurances) so "borrow" on CC to pay them and don't seem to have enough money to meet minimum payments or pay minimum and then use available money to pay for other weekly bills. credit check a year ago showed credit rating was OK but am worried that my recent mishaps with payments would make me a good bet for for a mortgage top-up to consolidate, say house deposit loan, to extend it over term of the mortgage and am embarrassed to even find out! Have an agreement in place re repayment of money owed to me and cant really call this in until agreed time (Aug 2009) so want to try and get my finances in order as it currently stands. Any advice?
Spouse’s/Partner's age: 38
Annual gross income from employment or profession: 51,500
Annual gross income spouse: 27,000
Type of employment: Civil Servant
Expenditure pattern: on paper I shouldn't be but in reality i am overspending and wasting money on expensive fees and charges
Rough estimate of value of home: €310K
Mortgage on home: €225 (have been making repayment for 14 months on this amount so not sure what outstanding amount is currently)
Mortgage provider: IIB Homeloans
Type of mortgage: Tracker
Interest rate: 5.25%
Other borrowings – loads:
€21,800 outstanding on house deposit
€5,500 car
€17,000 furniture
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card? €4,750
Savings and investments: €24,500 loan to family member due for repayment to me Aug 2009. €2,500 CU
Do you have a pension scheme? Yes, state
Do you own any investment or other property? No
Ages of children: none
Life insurance: mortgage protection, special illness, income continuous
What specific question do you have or what issues are of concern to you? House is solely owned by me and all bills are DD from my a/c. Use partner's take home for weekly expenses and some bills. DDs regularly clash and miss payments incurring unpaid fees and late charges. always seem to be on back foot and cant seem to get ahead in order to avoid late payments etc. cant seem to stick to budget to have available cash for annual charges (insurances) so "borrow" on CC to pay them and don't seem to have enough money to meet minimum payments or pay minimum and then use available money to pay for other weekly bills. credit check a year ago showed credit rating was OK but am worried that my recent mishaps with payments would make me a good bet for for a mortgage top-up to consolidate, say house deposit loan, to extend it over term of the mortgage and am embarrassed to even find out! Have an agreement in place re repayment of money owed to me and cant really call this in until agreed time (Aug 2009) so want to try and get my finances in order as it currently stands. Any advice?