heretohelp
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Age: 25
Spouse’s/Partner's age: 29
Annual gross income from employment or profession: 31290
Annual gross income of spouse:36400
Type of employment: e.g. Civil Servant, full time carer
In general are you:
(a) spending more than you earn, or
(b) saving?no
Rough estimate of value of home renting
Amount outstanding on your mortgage:
What interest rate are you paying?
Other borrowings – car loans/personal loans etc
c.u. loan 30k 400 monthly
aib loan 7k 200 monthly
car loan 22k 483 monthly
maintenance 400 monthly
c card 2200 pay minimum monthly
phone 80 monthly
esb 80 monthly
rent 220 monthly
insurance 100 monthly
sky 65 monthly
total out monthly 2148 euro
Do you pay off your full credit card balance each month? no
If not, what is the balance on your credit card? 2200 euro
Savings and investments:8k secured in credit union loan
kids have 3 k saved under our names
Do you have a pension scheme? no
Do you own any investment or other property?
no
Ages of children:
2 and 6
Life insurance: no
What specific question do you have or what issues are of concern to you? For some reason we seem to have no cash at the end of the week, i feel like we need to work our bills out on a monthly basis but cant pay some of the bills monthly like the mantenance as the courts require that weekly so im finding it hard to sit down and work the figures out monthly. we also want , well really need to buy our house as it was specifically allocated for our daughter who is disabled and i am wondering when , if at all will we be in a position to do this. thanks in advance
Spouse’s/Partner's age: 29
Annual gross income from employment or profession: 31290
Annual gross income of spouse:36400
Type of employment: e.g. Civil Servant, full time carer
In general are you:
(a) spending more than you earn, or
(b) saving?no
Rough estimate of value of home renting
Amount outstanding on your mortgage:
What interest rate are you paying?
Other borrowings – car loans/personal loans etc
c.u. loan 30k 400 monthly
aib loan 7k 200 monthly
car loan 22k 483 monthly
maintenance 400 monthly
c card 2200 pay minimum monthly
phone 80 monthly
esb 80 monthly
rent 220 monthly
insurance 100 monthly
sky 65 monthly
total out monthly 2148 euro
Do you pay off your full credit card balance each month? no
If not, what is the balance on your credit card? 2200 euro
Savings and investments:8k secured in credit union loan
kids have 3 k saved under our names
Do you have a pension scheme? no
Do you own any investment or other property?
no
Ages of children:
2 and 6
Life insurance: no
What specific question do you have or what issues are of concern to you? For some reason we seem to have no cash at the end of the week, i feel like we need to work our bills out on a monthly basis but cant pay some of the bills monthly like the mantenance as the courts require that weekly so im finding it hard to sit down and work the figures out monthly. we also want , well really need to buy our house as it was specifically allocated for our daughter who is disabled and i am wondering when , if at all will we be in a position to do this. thanks in advance