Hi,
Thanks for the responses. No those figures don't reflect spouse's cash. I think she has about two grand in savings think and she has cleared some loans recently.
There are no exit charges. I am currently invested in the Technology, Emerging Markets and Tech funds (evenly split). I lost 15% of my premium after investing in the Irish/European funds. I am disappointed the policy has never made any money and unsure about continuing with it but I know if I cash it in my loss crystalises.
If I build up three months,where's the place place to keep that money? Shares, the Post Office, Credit Union, Rabo savings etc?
Also, should I concentrate on saving, clearing loan or investing more?
I've been keeping a spending diary and am surprised by how much I am spending on little things such as haircuts, bottles of water, papers, snacks, etc.
I also have a tendency to splurge, I nearly bought an iPad 2 today even though I know I don't need it.
I should mention I live very near work and I could technically get rid of my car. It a 2001 Clio (65000 miles) but I am reluctant as we have kids and what if I needed a car down the road? Insurance was just under 500 in October and road tax is 160 every six months.