Age: 33
Spouse’s/Partner's age: 31
Annual gross income from employment or profession: 42,000
Annual gross income of spouse: 39,000
Monthly take-home pay: ~5,000
Type of employment: e.g. Civil Servant, self-employed
In general are you:
(a) spending more than you earn, or
(b) saving?
We would have been saving a small amount each month prior to this year , recently we have been spending more due to moving into new house and buying furniture etc. Hopefully can save at least 2,00 per month now without the cost of renting.
Rough estimate of value of home €800,000
Inherited with CAT paid with by a section 72 policy. Were paying €1,400 per month in rent until recently.
Amount outstanding on your mortgage: 0
What interest rate are you paying? N/A
Other borrowings – car loans/personal loans etc - None
Do you pay off your full credit card balance each month?
If not, what is the balance on your credit card? Yes paid in full.
Savings and investments: 5,000 - prize bonds
16,000 - state savings products
25,000 - emergency fund in low interest AIB deposit account.
3,000 - credit union account.
5,000 - Investment trusts
2,000 - BRKB shares
700- Ryanair shares
500: BOI shares - both at lower prices than paid.
2,500 - recently purchased US domiciled ETF (VT) with US Broker. considering selling due to recent update.
Partner , 10,000 in savings
Do you have a pension scheme?
Yes - Public Sector Single pension scheme- not much earned to date - 3.5 years service.
7,000 - in Zurich PRSA AVC. Started recently and max contribution retrospectively paid for 2020.
Partner - occupational pension - currently worth about 5,000. She pays 5% which the company matches. This is max that they will match,
Do you own any investment or other property?
No other property - but would like to purchase apartment in partners home country, for personal use and the generate income through AirBnB
Non salaried, 25% Director, of family company which currently generates small profits but has substantial assets. (prefer to plan my financial future independent of this- and then if this generates money in the future it will be a bonus)
Ages of children: None at this time.
Life insurance: None right now.
Spouse’s/Partner's age: 31
Annual gross income from employment or profession: 42,000
Annual gross income of spouse: 39,000
Monthly take-home pay: ~5,000
Type of employment: e.g. Civil Servant, self-employed
In general are you:
(a) spending more than you earn, or
(b) saving?
We would have been saving a small amount each month prior to this year , recently we have been spending more due to moving into new house and buying furniture etc. Hopefully can save at least 2,00 per month now without the cost of renting.
Rough estimate of value of home €800,000
Inherited with CAT paid with by a section 72 policy. Were paying €1,400 per month in rent until recently.
Amount outstanding on your mortgage: 0
What interest rate are you paying? N/A
Other borrowings – car loans/personal loans etc - None
Do you pay off your full credit card balance each month?
If not, what is the balance on your credit card? Yes paid in full.
Savings and investments: 5,000 - prize bonds
16,000 - state savings products
25,000 - emergency fund in low interest AIB deposit account.
3,000 - credit union account.
5,000 - Investment trusts
2,000 - BRKB shares
700- Ryanair shares
500: BOI shares - both at lower prices than paid.
2,500 - recently purchased US domiciled ETF (VT) with US Broker. considering selling due to recent update.
Partner , 10,000 in savings
Do you have a pension scheme?
Yes - Public Sector Single pension scheme- not much earned to date - 3.5 years service.
7,000 - in Zurich PRSA AVC. Started recently and max contribution retrospectively paid for 2020.
Partner - occupational pension - currently worth about 5,000. She pays 5% which the company matches. This is max that they will match,
Do you own any investment or other property?
No other property - but would like to purchase apartment in partners home country, for personal use and the generate income through AirBnB
Non salaried, 25% Director, of family company which currently generates small profits but has substantial assets. (prefer to plan my financial future independent of this- and then if this generates money in the future it will be a bonus)
Ages of children: None at this time.
Life insurance: None right now.