hardtimes09
Registered User
- Messages
- 16
Age: 41
Spouse’s/Partner's age: 41
Annual gross income from employment or profession: 56000
Annual gross income of spouse:12000
Type of employment: e.g. Civil Servant, self-employed Civil Servant on pension rate of pay as on long term sick leave, husband is Civil Servant
In general are you:
(a) spending more than you earn, Yes
(b) saving?
Rough estimate of value of home 360,000
Amount outstanding on your mortgage: 300,000
What interest rate are you paying? 5%
Other borrowings – car loans/personal loans etc 36,000 Credit Union 730 per month, 125 per month to my Dad who lent me 6,000 to buy car
Do you pay off your full credit card balance each month? no 900 per month
If not, what is the balance on your credit card? 3 totalling 39,000
Savings and investments:8,000 in credit union shares
Do you have a pension scheme? civil service one each
Do you own any investment or other property? no
Ages of children: 13,10,7
Life insurance: just mortgage protection
Other Monthly Outgoings
Sky 86
Life Insurance 101
Esb 100
BT 50
Mobiles 50
Food/Petrol 1000
husbands credit union 200
Mortgage 1600
Yearly Outgoings
Car Tax/Insurance 1400
House Insurance 400
Oil 1000
What specific question do you have or what issues are of concern to you?
Spouse’s/Partner's age: 41
Annual gross income from employment or profession: 56000
Annual gross income of spouse:12000
Type of employment: e.g. Civil Servant, self-employed Civil Servant on pension rate of pay as on long term sick leave, husband is Civil Servant
In general are you:
(a) spending more than you earn, Yes
(b) saving?
Rough estimate of value of home 360,000
Amount outstanding on your mortgage: 300,000
What interest rate are you paying? 5%
Other borrowings – car loans/personal loans etc 36,000 Credit Union 730 per month, 125 per month to my Dad who lent me 6,000 to buy car
Do you pay off your full credit card balance each month? no 900 per month
If not, what is the balance on your credit card? 3 totalling 39,000
Savings and investments:8,000 in credit union shares
Do you have a pension scheme? civil service one each
Do you own any investment or other property? no
Ages of children: 13,10,7
Life insurance: just mortgage protection
Other Monthly Outgoings
Sky 86
Life Insurance 101
Esb 100
BT 50
Mobiles 50
Food/Petrol 1000
husbands credit union 200
Mortgage 1600
Yearly Outgoings
Car Tax/Insurance 1400
House Insurance 400
Oil 1000
What specific question do you have or what issues are of concern to you?