thespecialon
Registered User
- Messages
- 211
Ages
Me - : 29
Fianace - : 27
Employment
Emyplyment Me - : Civil Service
Employment Fianace - : Retail
Salary
Salary Me - : 40,000
Salary Fianace - : 25,000
Mortatage
Mortatage - Ulster Bank Tracker ECB + .95
Mortatage Amount - 135,000
Mortatage Term - 25 Years, 24 Years left
Monthly Payment - Circa - 600 per month after TRS
Value of House - 500K was valued at 600K before Bust
so 500K is a guess but properties in the area seem to be holding a lot of their value
Other Borrowings
Me - Credit Card balance of 5K , Interest free for around 3 more months , Ulster Bank Zinc Card ,
currently just paying minimum of around 150 per month. 5k was built up furnishing house last year
Fianace - Car Loan of 12K with Credit Union, paying 300 per month, around 4 years left
Other regular Outgoings -
Sky - 25 p/m
Broadband 35 p/m
Fianace Car Insurance 60 p/m
Gorta 10 p/m
UFirst Account 10 p/m
ESB 75 p/m
Car Insurance me - 450 per year
Health Insurance - 1000 per year
Mortatage Protection Insurance - 150 per year
Food,Travel,heat,Going out etc - Not really sure but wouldnt be extravagent in this area
Savings -
None - Mainly due to just having moved into house and furnishing it etc.
Pension -
Me - Civil Service Pension
Fianance - None
Prediciment -
We are to be married in November of this year. Basically estimating this will cost in the region of 25K including honeymoon.
Looking for advice on how best way to pay for this,obviously we intend saving as much as possible between now and november but first priority will be
to clear credit card of 5K,so at best will probably only be able to save 3-4 K more.
Would re-mortataging all our debt be the best option as out mortatage is still relatively low, however I assume will lose my good tracker deal?
Or just get a personal loan closer to the day and use whatever gifts we receive to pay as much as this off as possible?
Or any other options?
Any any other opinions on our general financial prediciment that might help us?
Thanks,
T.
Me - : 29
Fianace - : 27
Employment
Emyplyment Me - : Civil Service
Employment Fianace - : Retail
Salary
Salary Me - : 40,000
Salary Fianace - : 25,000
Mortatage
Mortatage - Ulster Bank Tracker ECB + .95
Mortatage Amount - 135,000
Mortatage Term - 25 Years, 24 Years left
Monthly Payment - Circa - 600 per month after TRS
Value of House - 500K was valued at 600K before Bust
so 500K is a guess but properties in the area seem to be holding a lot of their value
Other Borrowings
Me - Credit Card balance of 5K , Interest free for around 3 more months , Ulster Bank Zinc Card ,
currently just paying minimum of around 150 per month. 5k was built up furnishing house last year
Fianace - Car Loan of 12K with Credit Union, paying 300 per month, around 4 years left
Other regular Outgoings -
Sky - 25 p/m
Broadband 35 p/m
Fianace Car Insurance 60 p/m
Gorta 10 p/m
UFirst Account 10 p/m
ESB 75 p/m
Car Insurance me - 450 per year
Health Insurance - 1000 per year
Mortatage Protection Insurance - 150 per year
Food,Travel,heat,Going out etc - Not really sure but wouldnt be extravagent in this area
Savings -
None - Mainly due to just having moved into house and furnishing it etc.
Pension -
Me - Civil Service Pension
Fianance - None
Prediciment -
We are to be married in November of this year. Basically estimating this will cost in the region of 25K including honeymoon.
Looking for advice on how best way to pay for this,obviously we intend saving as much as possible between now and november but first priority will be
to clear credit card of 5K,so at best will probably only be able to save 3-4 K more.
Would re-mortataging all our debt be the best option as out mortatage is still relatively low, however I assume will lose my good tracker deal?
Or just get a personal loan closer to the day and use whatever gifts we receive to pay as much as this off as possible?
Or any other options?
Any any other opinions on our general financial prediciment that might help us?
Thanks,
T.