R
REOS
Guest
Age:30
Spouse’s/Partner's age: 30
Annual gross income from employment or profession: €22K
Annual gross income of spouse:€23K
In general are you spending more than you earn or are you saving? Saving
Rough estimate of value of home : Renting €6K Annual
Other borrowings – car loans/personal loans etc - None
Do you pay off your full credit card balance each month? Yes
If not, what is the balance on your credit card?
Savings and investments:Savings €100K
Do you have a pension scheme? No
Do you own any investment or other property? No
Ages of children:None
Life insurance: No
What specific question do you have or what issues are of concern to you?
Partner and I have a comfortable lifestyle.We enjoy an annual holiday,dinners out and buy luxury items for occassions. We save where possible and avoid spending unnecessary.My question is with having a a lump set aside and having the ability of saving monthly, long term what ballpark figure should we aim to save.A good financial situation currently and would like to continue. Items to save for long term mortgage,education,wedding ,kids ,retirement. Annual expenses to be covered by annual wages?
Looking for advice on where to go from here. As im sure there are many areas over looked. Is there a spreedsheet that financial advisors use.Taking into account age and income. Whats the best way forward from here, as personally i would like to be prepaired when i can instead of looking back thinking i should have done/known that.
I would appriciate any advise on this.
REOS
Spouse’s/Partner's age: 30
Annual gross income from employment or profession: €22K
Annual gross income of spouse:€23K
In general are you spending more than you earn or are you saving? Saving
Rough estimate of value of home : Renting €6K Annual
Other borrowings – car loans/personal loans etc - None
Do you pay off your full credit card balance each month? Yes
If not, what is the balance on your credit card?
Savings and investments:Savings €100K
Do you have a pension scheme? No
Do you own any investment or other property? No
Ages of children:None
Life insurance: No
What specific question do you have or what issues are of concern to you?
Partner and I have a comfortable lifestyle.We enjoy an annual holiday,dinners out and buy luxury items for occassions. We save where possible and avoid spending unnecessary.My question is with having a a lump set aside and having the ability of saving monthly, long term what ballpark figure should we aim to save.A good financial situation currently and would like to continue. Items to save for long term mortgage,education,wedding ,kids ,retirement. Annual expenses to be covered by annual wages?
Looking for advice on where to go from here. As im sure there are many areas over looked. Is there a spreedsheet that financial advisors use.Taking into account age and income. Whats the best way forward from here, as personally i would like to be prepaired when i can instead of looking back thinking i should have done/known that.
I would appriciate any advise on this.
REOS