HilariousBerry
Registered User
- Messages
- 2
Age: 29
Spouse’s/Partner's age: 27
Annual gross income from employment or profession: 76000 + bonus ~12000
Annual gross income of spouse: 45000 + bonus ~6000
Monthly take-home pay 6480 (after deductions for family health insurance, pension and BIK etc.)
Type of employment: Private Sector
In general are you:
(a) spending more than you earn, or
(b) saving? √
Rough estimate of value of home - Renting @ 1900euro PM
Other borrowings – Car loan (PCP) - 370 per month - finished this September with option to pay balloon (approx 10K) or swap.
Do you pay off your full credit card balance each month? Yes
Savings and investments:
Savings - 19500euro (saving minimum 700euro per month)
Stocks (vested) - 13000USD (approx 11500euro - tax already applied at source, will apply CGT at sale).
Do you have a pension scheme? (Him) - yes - contributing max amount and matched by employer.
Monthly bills:
UPC, Gas, Electricity. Nothing too crazy.
Do you own any investment or other property? No
Ages of children: 1 Kid - 2years.
Life insurance: (Him) - generous coverage through work.
What specific question do you have or what issues are of concern to you?
I think we are doing okay but rent is killing us. Moving further away from work is simply not an option given the level of responsibility and roles. We’d really like to buy a house but are caught in a catch 22 situation because of rent and/or deposit situation. We have considered further away but it wouldn’t be possibly to find new employers with the same income levels and opportunity for growth.
Spouse’s/Partner's age: 27
Annual gross income from employment or profession: 76000 + bonus ~12000
Annual gross income of spouse: 45000 + bonus ~6000
Monthly take-home pay 6480 (after deductions for family health insurance, pension and BIK etc.)
Type of employment: Private Sector
In general are you:
(a) spending more than you earn, or
(b) saving? √
Rough estimate of value of home - Renting @ 1900euro PM
Other borrowings – Car loan (PCP) - 370 per month - finished this September with option to pay balloon (approx 10K) or swap.
Do you pay off your full credit card balance each month? Yes
Savings and investments:
Savings - 19500euro (saving minimum 700euro per month)
Stocks (vested) - 13000USD (approx 11500euro - tax already applied at source, will apply CGT at sale).
Do you have a pension scheme? (Him) - yes - contributing max amount and matched by employer.
Monthly bills:
UPC, Gas, Electricity. Nothing too crazy.
Do you own any investment or other property? No
Ages of children: 1 Kid - 2years.
Life insurance: (Him) - generous coverage through work.
What specific question do you have or what issues are of concern to you?
I think we are doing okay but rent is killing us. Moving further away from work is simply not an option given the level of responsibility and roles. We’d really like to buy a house but are caught in a catch 22 situation because of rent and/or deposit situation. We have considered further away but it wouldn’t be possibly to find new employers with the same income levels and opportunity for growth.