Age: 32
Spouse’s/Partner's age: 34
Annual gross income from employment or profession: 27.5 i think
Annual gross income of spouse:29 i think
Type of employment: e.g. Civil Servant, self-employed
private sector
In general are you:
(a) spending more than you earn, or
(b) saving?
spending all wages each wk but save a bit
Rough estimate of value of home
Amount outstanding on your mortgage: 160k
What interest rate are you paying? tracker 2.5 i think)
€589 pm
Other borrowings – car loans/personal loans etc
none
Do you pay off your full credit card balance each month?
Savings and investments:
Me (save 100pm)
Him (xmas club at work 80pm
Joint (150 pm for new car)
Do you have a pension scheme?
yep
Do you own any investment or other property?
no
Ages of children: 2yrs (childcare 440pm)
Life insurance: basic decreasing policy (15pm)
What specific question do you have or what issues are of concern to you?
We take home €3790, both drive to work cause no bus service in area. Cars are more than 8yrs old so want to save for a new car. We know are are lucky to have jobs and have never lived beyond our means but find after bills as the bit we do save we have nothing left. We do bring our lunch to work so we spend about €2 each a day.
I dunno where it goes to each month.... There is always a wedding, birthday, new baby present etc
Could we be saving more? should we look at our day to day spending??
Spouse’s/Partner's age: 34
Annual gross income from employment or profession: 27.5 i think
Annual gross income of spouse:29 i think
Type of employment: e.g. Civil Servant, self-employed
private sector
In general are you:
(a) spending more than you earn, or
(b) saving?
spending all wages each wk but save a bit
Rough estimate of value of home
Amount outstanding on your mortgage: 160k
What interest rate are you paying? tracker 2.5 i think)
€589 pm
Other borrowings – car loans/personal loans etc
none
Do you pay off your full credit card balance each month?
Savings and investments:
Me (save 100pm)
Him (xmas club at work 80pm
Joint (150 pm for new car)
Do you have a pension scheme?
yep
Do you own any investment or other property?
no
Ages of children: 2yrs (childcare 440pm)
Life insurance: basic decreasing policy (15pm)
What specific question do you have or what issues are of concern to you?
We take home €3790, both drive to work cause no bus service in area. Cars are more than 8yrs old so want to save for a new car. We know are are lucky to have jobs and have never lived beyond our means but find after bills as the bit we do save we have nothing left. We do bring our lunch to work so we spend about €2 each a day.
I dunno where it goes to each month.... There is always a wedding, birthday, new baby present etc
Could we be saving more? should we look at our day to day spending??