N
newuser2011
Guest
Age: 32
Spouse’s/Partner's age: 38
Annual gross income from employment or profession: 44k
Annual gross income of spouse:45k
Type of employment: Sales / IT manager
In general are you:
spending more than we earn (i think)
Rough estimate of value of home €200k monthly payment €1490
Amount outstanding on your mortgage: €283k
What interest rate are you paying? 4.6%
Other borrowings – Personal Loan, outstanding amount €6k, monthly €424 but we are paying €624 to clear it quicker, it finishes in september, this was originally a 16k loan. Credit union loan outstanding amount is €2700
Do you pay off your full credit card balance each month? no
If not, what is the balance on your credit card? 3k on two cards, we pay €100 of each card per month.
Savings and investments: €600 in credit union
Do you have a pension scheme? yes
Do you own any investment or other property? no
Ages of children: 3yr old
Life insurance: €38 per month
we also have the following
creche 830/month
misc, phone/broadband/sky/mobile phone/etoll/house insurance etc total €400
cost of running two cars, petrol/diesel total per month €260
car tax €1240 per year
car insurance €1000 per year
What specific question do you have or what issues are of concern to you?
We currently live in our overdraft of 1000 every month, and also if anything pops up like visit to doctor etc we have no lee way with money at all. What is the best way for us to get out of the over draft, we are looking to reduce this to about 200 a month if possible and also how to cut monthly spendings.
Feel free to ask any questions if i have left out information
Spouse’s/Partner's age: 38
Annual gross income from employment or profession: 44k
Annual gross income of spouse:45k
Type of employment: Sales / IT manager
In general are you:
spending more than we earn (i think)
Rough estimate of value of home €200k monthly payment €1490
Amount outstanding on your mortgage: €283k
What interest rate are you paying? 4.6%
Other borrowings – Personal Loan, outstanding amount €6k, monthly €424 but we are paying €624 to clear it quicker, it finishes in september, this was originally a 16k loan. Credit union loan outstanding amount is €2700
Do you pay off your full credit card balance each month? no
If not, what is the balance on your credit card? 3k on two cards, we pay €100 of each card per month.
Savings and investments: €600 in credit union
Do you have a pension scheme? yes
Do you own any investment or other property? no
Ages of children: 3yr old
Life insurance: €38 per month
we also have the following
creche 830/month
misc, phone/broadband/sky/mobile phone/etoll/house insurance etc total €400
cost of running two cars, petrol/diesel total per month €260
car tax €1240 per year
car insurance €1000 per year
What specific question do you have or what issues are of concern to you?
We currently live in our overdraft of 1000 every month, and also if anything pops up like visit to doctor etc we have no lee way with money at all. What is the best way for us to get out of the over draft, we are looking to reduce this to about 200 a month if possible and also how to cut monthly spendings.
Feel free to ask any questions if i have left out information