justme2011
Registered User
- Messages
- 14
Age: 33
Spouse’s/Partner's age: 32
Annual gross income from employment or profession: €36k (1,600 per month)
Spouse’s/Partner's €25k (2,200 per month)
Type of employment: permanent (both)
In general are you:
(a) spending more than you earn, or
(b) saving?
we are just breaking even, but want to be able to save
Rough estimate of value of home €170,000
Amount outstanding on your mortgage: € 190,000
What interest rate are you paying? 3% (tracker) (790 per month)
Other borrowings – car loans/personal loans etc
1) Ford Credit €10,000 o/s repayments = €191pm
2)BOI Loan €5,000 o/s repayments = €145pm
3) BOI overdraft 1,000 x2
Do you pay off your full credit card balance each month? yes
Savings and investments: None
Do you have a pension scheme? Yes (only one)
Ages of children: n/a
Life insurance: €28pm
Car insurance 51pm
Airtricity varies 30pm
2nd car insurance 58pm
House ins 46
Sky 11.50
Internet 20
Mobile 40 per month (for 2)
bins pauid for year upfront
petrol 160 pm each - hubby works shift hours
food ?? this I dont know..
Just want to try to find out what amount we 'should' be able to save each month - thanks.
Spouse’s/Partner's age: 32
Annual gross income from employment or profession: €36k (1,600 per month)
Spouse’s/Partner's €25k (2,200 per month)
Type of employment: permanent (both)
In general are you:
(a) spending more than you earn, or
(b) saving?
we are just breaking even, but want to be able to save
Rough estimate of value of home €170,000
Amount outstanding on your mortgage: € 190,000
What interest rate are you paying? 3% (tracker) (790 per month)
Other borrowings – car loans/personal loans etc
1) Ford Credit €10,000 o/s repayments = €191pm
2)BOI Loan €5,000 o/s repayments = €145pm
3) BOI overdraft 1,000 x2
Do you pay off your full credit card balance each month? yes
Savings and investments: None
Do you have a pension scheme? Yes (only one)
Ages of children: n/a
Life insurance: €28pm
Car insurance 51pm
Airtricity varies 30pm
2nd car insurance 58pm
House ins 46
Sky 11.50
Internet 20
Mobile 40 per month (for 2)
bins pauid for year upfront
petrol 160 pm each - hubby works shift hours
food ?? this I dont know..
Just want to try to find out what amount we 'should' be able to save each month - thanks.
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