Age: 31
Spouse’s/Partner's age: 34
Annual gross income from employment or profession: 18000
Annual gross income of spouse:55000
Monthly take-home pay 1300 per mth for me
450 per week for partner
Type of employment: partner Civil Servant, private work
In general we are
(a) spending more than we earn,
Rough estimate of value of home 180000
Amount outstanding on your mortgage: arrears of 2000
What interest rate are you paying? 3.4%
Other borrowings – car loans/personal loans etc
Credit union - me 22000 APR 9.3% supposed to pay 400 per mth can only afford 200
partner has credit union loan too 11000 APR 9.3% paying about 40 per week and up to date
Do you pay off your full credit card balance each month - dont have credit card
Savings and investments:neither
Do you have a pension scheme? none
Do you own any investment or other property? no
Ages of children: none
Life insurance: none
my worry is the credit union going around in circles with it
Spouse’s/Partner's age: 34
Annual gross income from employment or profession: 18000
Annual gross income of spouse:55000
Monthly take-home pay 1300 per mth for me
450 per week for partner
Type of employment: partner Civil Servant, private work
In general we are
(a) spending more than we earn,
Rough estimate of value of home 180000
Amount outstanding on your mortgage: arrears of 2000
What interest rate are you paying? 3.4%
Other borrowings – car loans/personal loans etc
Credit union - me 22000 APR 9.3% supposed to pay 400 per mth can only afford 200
partner has credit union loan too 11000 APR 9.3% paying about 40 per week and up to date
Do you pay off your full credit card balance each month - dont have credit card
Savings and investments:neither
Do you have a pension scheme? none
Do you own any investment or other property? no
Ages of children: none
Life insurance: none
my worry is the credit union going around in circles with it