WhatNext2011
Registered User
- Messages
- 11
Age: 33
Spouse’s/Partner's age: n/a
Annual gross income from employment or profession: 2350 (salary) + 250 (rental Income)
Annual gross income of spouse: n/a
Type of employment: e.g. Civil Servant, self-employed Public Servant
In general are you:
(a) spending more than you earn, or
(b) saving?
Just about making ends meet
Rough estimate of value of home: €220,000
Amount outstanding on your mortgage: €257,000
What interest rate are you paying? 4.9% fixed for 5 years ( 18 months left)
Other borrowings – car loans/personal loans etc
Credit Union Loan - 300pm
Personal Loan - 214pm
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card? 5500
Savings and investments:
CU Savings - €50pm
Do you have a pension scheme? Public Service Pension (paying approx 450 pm toward this)
Do you own any investment or other property? No
Ages of children: N/a
Life insurance:
Life Assurance100.00Home Insurance30.00Car Insurance250.00
What specific question do you have or what issues are of concern to you?
I have filled in the template above but I will also list other information below. I am breaking even just about every month, if one unexpected expense come up, Im in bother. Ive tried to consolidate my loans and spread them out over a longer term to give me a bit of breathing space, but Ive not had much luck. Im not actually sure what I'm looking for here, but its just getting so hard to manage. I suppose Im looking for a light at the end of the tunnel. All advice appreciated. Thank you
Income
Salary 2,355.00 pm
Income 250.00 (rental income from lodger)
Insurance
Life Assurance 100.00 (annual)
Home Insurance 30.00 (pm)
Car Insurance 250.00 (annual)
Loans
Mortgage 1,106.00 pm
Personal Loan 214.00 pm
Credit Card payment 175.00 pm
Credit Union Loan 300.00 pm
Savings
Credit Union 50.00 pm
Outgoings
Groceries 30.00 Weekly
Electricity 150.00 pm
OIL 400.00 annual
Car Tax 360.00 annual
TV Licence 160.00 annual
Catfood 20.00 weekly
Mobile Phone Credit 20.00 monthly
Petrol 20.00 weekly
Management Fees 350.00 annual
Spouse’s/Partner's age: n/a
Annual gross income from employment or profession: 2350 (salary) + 250 (rental Income)
Annual gross income of spouse: n/a
Type of employment: e.g. Civil Servant, self-employed Public Servant
In general are you:
(a) spending more than you earn, or
(b) saving?
Just about making ends meet
Rough estimate of value of home: €220,000
Amount outstanding on your mortgage: €257,000
What interest rate are you paying? 4.9% fixed for 5 years ( 18 months left)
Other borrowings – car loans/personal loans etc
Credit Union Loan - 300pm
Personal Loan - 214pm
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card? 5500
Savings and investments:
CU Savings - €50pm
Do you have a pension scheme? Public Service Pension (paying approx 450 pm toward this)
Do you own any investment or other property? No
Ages of children: N/a
Life insurance:
Life Assurance100.00Home Insurance30.00Car Insurance250.00
What specific question do you have or what issues are of concern to you?
I have filled in the template above but I will also list other information below. I am breaking even just about every month, if one unexpected expense come up, Im in bother. Ive tried to consolidate my loans and spread them out over a longer term to give me a bit of breathing space, but Ive not had much luck. Im not actually sure what I'm looking for here, but its just getting so hard to manage. I suppose Im looking for a light at the end of the tunnel. All advice appreciated. Thank you
Income
Salary 2,355.00 pm
Income 250.00 (rental income from lodger)
Insurance
Life Assurance 100.00 (annual)
Home Insurance 30.00 (pm)
Car Insurance 250.00 (annual)
Loans
Mortgage 1,106.00 pm
Personal Loan 214.00 pm
Credit Card payment 175.00 pm
Credit Union Loan 300.00 pm
Savings
Credit Union 50.00 pm
Outgoings
Groceries 30.00 Weekly
Electricity 150.00 pm
OIL 400.00 annual
Car Tax 360.00 annual
TV Licence 160.00 annual
Catfood 20.00 weekly
Mobile Phone Credit 20.00 monthly
Petrol 20.00 weekly
Management Fees 350.00 annual