O
orchid
Guest
Age: 27
Spouse’s/Partner's age: n/a
Annual gross income from employment or profession: Net €2000PM
Annual gross income of spouse:n/a
Type of employment: Student/part time jobs
In general are you:
(a) spending more than you earn, or
(b) saving?
A
Rough estimate of value of home 175K
Amount outstanding on your mortgage: 245K
What interest rate are you paying? 2.75%
Other borrowings
Credit card 1 - 1900€
Credit card 2 - 3900€(halifax paying as a 135€ pm loan
Credit card 3 - 1900€
Credit card 4 - 490€
Bank loan - 790€(35€ oer week)
Credit Union Loan - 4900 (35€ per week)
Do you pay off your full credit card balance each month? No Min payment on CC1 and 10% per month on CC 2 and 3
If not, what is the balance on your credit card?
Savings and investments: 2500€ in Credit union but cannot access it
Do you have a pension scheme? n/a
Do you own any investment or other property? n/a
Ages of children: n/a
Life insurance:
What specific question do you have or what issues are of concern to you?
I am having a really hard time at the minute trying to make ends meet. I am a full time student in my final year and working 2 jobs(one full time nights) and a weekend job. Its my final year in college and both jobs are becoming a real drain but I cant see what to do in regards my finances(which I know are a mess...) so I can give one of them up. My mortgage is costing me 590€ per month on a 22 year term but as my mother went on the deeds with me I can't get the term extended due to her age.
I have missed a payment or two on all the loans/Credit cards but am back up to date with them now.
Any advice greatly welcomed
Spouse’s/Partner's age: n/a
Annual gross income from employment or profession: Net €2000PM
Annual gross income of spouse:n/a
Type of employment: Student/part time jobs
In general are you:
(a) spending more than you earn, or
(b) saving?
A
Rough estimate of value of home 175K
Amount outstanding on your mortgage: 245K
What interest rate are you paying? 2.75%
Other borrowings
Credit card 1 - 1900€
Credit card 2 - 3900€(halifax paying as a 135€ pm loan
Credit card 3 - 1900€
Credit card 4 - 490€
Bank loan - 790€(35€ oer week)
Credit Union Loan - 4900 (35€ per week)
Do you pay off your full credit card balance each month? No Min payment on CC1 and 10% per month on CC 2 and 3
If not, what is the balance on your credit card?
Savings and investments: 2500€ in Credit union but cannot access it
Do you have a pension scheme? n/a
Do you own any investment or other property? n/a
Ages of children: n/a
Life insurance:
What specific question do you have or what issues are of concern to you?
I am having a really hard time at the minute trying to make ends meet. I am a full time student in my final year and working 2 jobs(one full time nights) and a weekend job. Its my final year in college and both jobs are becoming a real drain but I cant see what to do in regards my finances(which I know are a mess...) so I can give one of them up. My mortgage is costing me 590€ per month on a 22 year term but as my mother went on the deeds with me I can't get the term extended due to her age.
I have missed a payment or two on all the loans/Credit cards but am back up to date with them now.
Any advice greatly welcomed