M
milka
Guest
Age: 36
Spouse’s/Partner's age: 36
savers
Annual gross income from employment or profession: was made redundant, started regular withdrawings from investments
Annual gross income of spouse: housewife
Type of employment: private sector
Rough estimate of value of home 400,000
Amount outstanding on your mortgage: 430,000
What interest rate are you paying? tracker
NO car loans, personal loans etc.
Do you pay off your full credit card balance each month? yes
Savings and investments:
NO pension scheme
Do you own any investment or other property? two investment properties, current value: 450,000
mortgage on inv.props.: 280,000, monthly income from two properties rented: 2,200 also have 370,000 invested in bonds
Childcare benefits are going into children's savings accounts.
Ages of children: two children under 4
Weekly outgoings
petrol, bus, food, household stuff, nappies, toddler group: 250
Monthly outgoings
mortgages: 1500,1450
mortgage insurances: 30, 60
life insurance: 65
broadband and telephone: 50
2 mobils: 110
waste disposal: 30
Yearly outgoings
home insurance: 300
landlord's insurance: 160
mnagement fee of investment prop. 700
TV licence: 180
car insurance: 320
car service: abut 300
medical insurance: 1440
car tax: 550
apart from finding a job, any suggestions? use invested money to pay part of the mortgage on our home? Bear it out and when things get better pay lumpsums to mortgage from interest?
Spouse’s/Partner's age: 36
savers
Annual gross income from employment or profession: was made redundant, started regular withdrawings from investments
Annual gross income of spouse: housewife
Type of employment: private sector
Rough estimate of value of home 400,000
Amount outstanding on your mortgage: 430,000
What interest rate are you paying? tracker
NO car loans, personal loans etc.
Do you pay off your full credit card balance each month? yes
Savings and investments:
NO pension scheme
Do you own any investment or other property? two investment properties, current value: 450,000
mortgage on inv.props.: 280,000, monthly income from two properties rented: 2,200 also have 370,000 invested in bonds
Childcare benefits are going into children's savings accounts.
Ages of children: two children under 4
Weekly outgoings
petrol, bus, food, household stuff, nappies, toddler group: 250
Monthly outgoings
mortgages: 1500,1450
mortgage insurances: 30, 60
life insurance: 65
broadband and telephone: 50
2 mobils: 110
waste disposal: 30
Yearly outgoings
home insurance: 300
landlord's insurance: 160
mnagement fee of investment prop. 700
TV licence: 180
car insurance: 320
car service: abut 300
medical insurance: 1440
car tax: 550
apart from finding a job, any suggestions? use invested money to pay part of the mortgage on our home? Bear it out and when things get better pay lumpsums to mortgage from interest?