D
dublin8
Guest
Age: 23
Spouse’s/Partner's age: N/a
Annual gross income from employment or profession: 35500
Annual gross income of spouse:N/a
Type of employment: Permanent
In general are you:(a) Spending More Than I earn.
Rough estimate of value of home
Amount outstanding on your mortgage:
N/a
Rent - €650 p/m
Other borrowings – N/a
Only €400 overdraft - Which doesn't incur any charges and is used each month.
Do you pay off your full credit card balance each month?
If not, what is the balance on your credit card?
Credit Limit €1000
Pay off half each month, but use it again. Regularly go over credit limit. What are the implications of this?
Outgoings:
Electricity: 75pm (Currently in arrears of €200)
Contents Insurance: €45pm
Eircom (Broadband/Phone): 54pm - UPC coming to area soon
Bins: €14.50 every 4 weeks
Food: Unsure?
Also a smoker - Working on this.
Dinner out at least twice a month.
Esentially, I live month to month. Most months with little or nothing left in my account.
A hobby of mine is restoring old furniture which has got out of hand in the last year. Rather than sell the items on I've kept them as I don't really want to part with them - time, effort etc.
I also buy Art regularly, noting expensive - €100-€300. Its at the point where I have stacks and stacks of canvases against walls. And no where to put them. Again, i really don't want to part with these either.
I plan on starting with a clean slate in Spetember with a view to build up a lump sum for a rainy day/ deposit for a house etc.
Any advice on how to become a saver rather than a splurger?
Spouse’s/Partner's age: N/a
Annual gross income from employment or profession: 35500
Annual gross income of spouse:N/a
Type of employment: Permanent
In general are you:(a) Spending More Than I earn.
Rough estimate of value of home
Amount outstanding on your mortgage:
N/a
Rent - €650 p/m
Other borrowings – N/a
Only €400 overdraft - Which doesn't incur any charges and is used each month.
Do you pay off your full credit card balance each month?
If not, what is the balance on your credit card?
Credit Limit €1000
Pay off half each month, but use it again. Regularly go over credit limit. What are the implications of this?
Outgoings:
Electricity: 75pm (Currently in arrears of €200)
Contents Insurance: €45pm
Eircom (Broadband/Phone): 54pm - UPC coming to area soon
Bins: €14.50 every 4 weeks
Food: Unsure?
Also a smoker - Working on this.
Dinner out at least twice a month.
Esentially, I live month to month. Most months with little or nothing left in my account.
A hobby of mine is restoring old furniture which has got out of hand in the last year. Rather than sell the items on I've kept them as I don't really want to part with them - time, effort etc.
I also buy Art regularly, noting expensive - €100-€300. Its at the point where I have stacks and stacks of canvases against walls. And no where to put them. Again, i really don't want to part with these either.
I plan on starting with a clean slate in Spetember with a view to build up a lump sum for a rainy day/ deposit for a house etc.
Any advice on how to become a saver rather than a splurger?