wobblywonder
Registered User
- Messages
- 14
Age: 32
Spouse’s/Partner's age: N/A
Annual gross income from employment or profession: 70000 EUR
Annual gross income of spouse: N/A
Other income:
I have expenses as part of my job role and also as much overtime as I want (I do believe in a work life balance) however with conservative overtime I can earn approx 700 EUR extra (net).
Monthly take-home pay: about 3,900 EUR
Type of employment: private company
In general are you:(a) spending more than you earn, or
(b) saving √
(c) spending what we earn
Rough estimate of value of home: N/A
Amount outstanding on your mortgage: N/A
What interest rate are you paying? N/A
Other borrowings – car loans/personal loans etc: No other loans.
Do you pay off your full credit card balance each month? yes
If not, what is the balance on your credit card? -
Savings and investments: I have 53k EUR invested in the NTMA bond scheme which matures in 7 years with an equivalent interest rate of 45% on maturity (approx 77k EUR) gross.
17k EUR equivalent in a instant access current account (Santander 1,2,3 in the UK) earning 3% interest with incurs a 6.50 admin fee each month.
Do you have a pension scheme? Yes, I contribute 8% of my salary to the defined contribution scheme which is matched by my employer.
Do you own any investment or other property? None
Ages of children: none
Monthly bills: Sky 65 euro, rent 640, car (diesel/car tax/insurance per month)160, gym 50,
What specific question do you have or what issues are of concern to you?
I currently live and work in the UK. I have a rainy day fund if I choose to move back home NTMA fund which matures in 7 years which I intend to use a deposit for a home (if I do actually move back to Ireland). For the moment though I intend to stay in the UK to focus on my career and avail of the opportunities it has.
I don't have any assets as such (no property in Ireland or in the UK). I have looked at the UK property market but its a little unstable at present due to changes the UK government announced a few months back which will be introduced on the 1st of April. These may affect the property market as the new changes relate to tax and stamp duty to cool the Buy to Let market. Its predicted this may lower the prices of properties hence I wish to wait to see how these changes will pan out.
Is there any another worthwhile investment that may be prudent to invest in?
I have been looking at the commodities market and gold looks to have been a good investment a few months back?
Many thanks. Dan
Spouse’s/Partner's age: N/A
Annual gross income from employment or profession: 70000 EUR
Annual gross income of spouse: N/A
Other income:
I have expenses as part of my job role and also as much overtime as I want (I do believe in a work life balance) however with conservative overtime I can earn approx 700 EUR extra (net).
Monthly take-home pay: about 3,900 EUR
Type of employment: private company
In general are you:(a) spending more than you earn, or
(b) saving √
(c) spending what we earn
Rough estimate of value of home: N/A
Amount outstanding on your mortgage: N/A
What interest rate are you paying? N/A
Other borrowings – car loans/personal loans etc: No other loans.
Do you pay off your full credit card balance each month? yes
If not, what is the balance on your credit card? -
Savings and investments: I have 53k EUR invested in the NTMA bond scheme which matures in 7 years with an equivalent interest rate of 45% on maturity (approx 77k EUR) gross.
17k EUR equivalent in a instant access current account (Santander 1,2,3 in the UK) earning 3% interest with incurs a 6.50 admin fee each month.
Do you have a pension scheme? Yes, I contribute 8% of my salary to the defined contribution scheme which is matched by my employer.
Do you own any investment or other property? None
Ages of children: none
Monthly bills: Sky 65 euro, rent 640, car (diesel/car tax/insurance per month)160, gym 50,
What specific question do you have or what issues are of concern to you?
I currently live and work in the UK. I have a rainy day fund if I choose to move back home NTMA fund which matures in 7 years which I intend to use a deposit for a home (if I do actually move back to Ireland). For the moment though I intend to stay in the UK to focus on my career and avail of the opportunities it has.
I don't have any assets as such (no property in Ireland or in the UK). I have looked at the UK property market but its a little unstable at present due to changes the UK government announced a few months back which will be introduced on the 1st of April. These may affect the property market as the new changes relate to tax and stamp duty to cool the Buy to Let market. Its predicted this may lower the prices of properties hence I wish to wait to see how these changes will pan out.
Is there any another worthwhile investment that may be prudent to invest in?
I have been looking at the commodities market and gold looks to have been a good investment a few months back?
Many thanks. Dan