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Guest
Age: 35
Spouse’s/Partner's age:
Annual gross income from employment or profession: €54,000
Annual gross income of spouse:
Type of employment: Civil Servant
In general are you spending more than you earn or are you saving? Spending more than I earn
Rough estimate of value of home 300,000
Amount outstanding on your mortgage: 285,000
What interest rate are you paying? 5.6% (fixed until Sept 09)
Other borrowings – car loans/personal loans etc
Bank Loan - €20,000 - paying €600 pm
CU Loan - €18,000 - paying €480 pm
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card?
(1) €10,000
(2) €15,000
Savings and investments: €5,000 in CU - loan against it
Do you have a pension scheme? just work pension
Do you own any investment or other property? No
Ages of children: None
What specific question do you have or what issues are of concern to you?
Any suggestions on how I can improve my debt situation?
Spouse’s/Partner's age:
Annual gross income from employment or profession: €54,000
Annual gross income of spouse:
Type of employment: Civil Servant
In general are you spending more than you earn or are you saving? Spending more than I earn
Rough estimate of value of home 300,000
Amount outstanding on your mortgage: 285,000
What interest rate are you paying? 5.6% (fixed until Sept 09)
Other borrowings – car loans/personal loans etc
Bank Loan - €20,000 - paying €600 pm
CU Loan - €18,000 - paying €480 pm
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card?
(1) €10,000
(2) €15,000
Savings and investments: €5,000 in CU - loan against it
Do you have a pension scheme? just work pension
Do you own any investment or other property? No
Ages of children: None
What specific question do you have or what issues are of concern to you?
Any suggestions on how I can improve my debt situation?