L
lassie
Guest
Age: 37
Spouse’s/Partner's age: n/a
Annual gross income from employment or profession:65k
Annual gross income of spouse:
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 more then i earn
Rough estimate of value of home 290k 1209 pm
Amount outstanding on your mortgage: 240k
What interest rate are you paying? 3.65
Other borrowings – car loans/personal loans etc
credit union 29k 658pm
Do you pay off your full credit card balance each month? no
If not, what is the balance on your credit card? 3200
Savings and investments: credit union 4k
Do you have a pension scheme? yes
Do you own any investment or other property? no
Ages of children: 15, 8,4
Life insurance: n/a
What specific question do you have or what issues are of concern to you? [/QUOTE]
I can't seem to manage every month . I get paid monthly and i am always stuck Waiting for the child benifit 487 and the trs 121
net pay per month 3600
mortgage 1209 pm
credit union 639 pm
credit card 100 pm
life insurance 110 pm
house insurance 50pm
car insurance 100 pm
phone 70 pm
internet 30 pm
eircom phone watch 39 pm
car tax 40pm (pay it every 3 months)
childcare 720 pm
while bin 40 pm
upc 50 pm
gas 160 pm
esb 109 pm
food 150 pw
petrol 200 pm
i have an ex partner who is on sw and doesn't pay any maintenance or anything towards the mortgage which is both our names.
on paper i don't think i am too bad but the money just disappears nearly the day i get paid
If any one gets sick or if any thing out of the ordinary happens then we are basically in dire straits .
This is how the month goes :I get paid monthly i pay bills etc and do a weeks shop then i have nothing left. I have to wait then for trs to come in and the child benefit usually two weeks of no money at all . it is the same way every month . how do i make it last ?
any advice at all on how to manage better reduce out goings etc . i need to try to balance out what i have over the month better . how do i avoid the low weeks where the bank balance is nil ? I would also like to save for an emergency fund.
thank you
Spouse’s/Partner's age: n/a
Annual gross income from employment or profession:65k
Annual gross income of spouse:
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 more then i earn
Rough estimate of value of home 290k 1209 pm
Amount outstanding on your mortgage: 240k
What interest rate are you paying? 3.65
Other borrowings – car loans/personal loans etc
credit union 29k 658pm
Do you pay off your full credit card balance each month? no
If not, what is the balance on your credit card? 3200
Savings and investments: credit union 4k
Do you have a pension scheme? yes
Do you own any investment or other property? no
Ages of children: 15, 8,4
Life insurance: n/a
What specific question do you have or what issues are of concern to you? [/QUOTE]
I can't seem to manage every month . I get paid monthly and i am always stuck Waiting for the child benifit 487 and the trs 121
net pay per month 3600
mortgage 1209 pm
credit union 639 pm
credit card 100 pm
life insurance 110 pm
house insurance 50pm
car insurance 100 pm
phone 70 pm
internet 30 pm
eircom phone watch 39 pm
car tax 40pm (pay it every 3 months)
childcare 720 pm
while bin 40 pm
upc 50 pm
gas 160 pm
esb 109 pm
food 150 pw
petrol 200 pm
i have an ex partner who is on sw and doesn't pay any maintenance or anything towards the mortgage which is both our names.
on paper i don't think i am too bad but the money just disappears nearly the day i get paid
If any one gets sick or if any thing out of the ordinary happens then we are basically in dire straits .
This is how the month goes :I get paid monthly i pay bills etc and do a weeks shop then i have nothing left. I have to wait then for trs to come in and the child benefit usually two weeks of no money at all . it is the same way every month . how do i make it last ?
any advice at all on how to manage better reduce out goings etc . i need to try to balance out what i have over the month better . how do i avoid the low weeks where the bank balance is nil ? I would also like to save for an emergency fund.
thank you