Hi
I would be really grateful if you could let me know if our household gas/ Esb or similar to norm or appear high. We are reviewing our outgoings as alot of them.
Gas €157 monthly
ESB €66 monthly
We have 76,000 left to pay on mortgage and hoping to clear soon - taken out in 2005 ( overpaying monthly amount so paying €800). Original mortgage was 125,000 for 20 yrs. However we have 2 policies for mort protection/ life assurance/ critical illness
One is to BOI 71.62 - can be converted to whole of life in 2015. Cover €100,000
Other is 71.62 to eagle star. cover ? 200,000 until 2025 - when mort was due to end.
SHould we just get one that is decreasing amount or maintain what we have incase something happens us. We both have life assurance with work.
We have 2 small children 6 yrs and 3 yrs - hence why we never cancelled anything . Its just our creche/ afterschool fees are €1850 /monthly and we are just ensuring that other bills are in order as there is no flexibility with childcare.
House is 4 bed semi + conservatory.
Any advice appreciated.
K
I would be really grateful if you could let me know if our household gas/ Esb or similar to norm or appear high. We are reviewing our outgoings as alot of them.
Gas €157 monthly
ESB €66 monthly
We have 76,000 left to pay on mortgage and hoping to clear soon - taken out in 2005 ( overpaying monthly amount so paying €800). Original mortgage was 125,000 for 20 yrs. However we have 2 policies for mort protection/ life assurance/ critical illness
One is to BOI 71.62 - can be converted to whole of life in 2015. Cover €100,000
Other is 71.62 to eagle star. cover ? 200,000 until 2025 - when mort was due to end.
SHould we just get one that is decreasing amount or maintain what we have incase something happens us. We both have life assurance with work.
We have 2 small children 6 yrs and 3 yrs - hence why we never cancelled anything . Its just our creche/ afterschool fees are €1850 /monthly and we are just ensuring that other bills are in order as there is no flexibility with childcare.
House is 4 bed semi + conservatory.
Any advice appreciated.
K