Age: 30
Spouse’s/Partner's age: N/A
Annual gross income from employment or profession: 28,000
Annual gross income of spouse: N/A
Type of employment: e.g. Civil Servant, self-employed
PAYE
In general are you:
(a) spending more than you earn, or
(b) saving?
now saving trying to get back on track
Rough estimate of value of home 250,000
Amount outstanding on your mortgage: 190,000
What interest rate are you paying? Not sure, but on fixed interest only at the mo over 40 years
Other borrowings – car loans/personal loans etc 6,5000 from parents
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card? 3,000 interest rate is 1.75%, affinity card
Savings and investments: None
Do you have a pension scheme? No
Do you own any investment or other property? No
Ages of children: N/A
Life insurance: 25/month
What specific question do you have or what issues are of concern to you?
Feel in a bit of a spiral at the moment, changed career a few years ago but it hasn't gone right. Trying to get back into the industry I was in but using the new skills I have. ****ed off because seem to be sinking further and further into debt, hopefully for the first time in a long time at the end of this month my salary won't be gone to pay off my overdraft. Might be getting 25,000 from a deal I did a while back which would sort out all my problems but cant rely on that. Basically need advice on how to get out of all this bc can't enjoy life at the moment!!
Spouse’s/Partner's age: N/A
Annual gross income from employment or profession: 28,000
Annual gross income of spouse: N/A
Type of employment: e.g. Civil Servant, self-employed
PAYE
In general are you:
(a) spending more than you earn, or
(b) saving?
now saving trying to get back on track
Rough estimate of value of home 250,000
Amount outstanding on your mortgage: 190,000
What interest rate are you paying? Not sure, but on fixed interest only at the mo over 40 years
Other borrowings – car loans/personal loans etc 6,5000 from parents
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card? 3,000 interest rate is 1.75%, affinity card
Savings and investments: None
Do you have a pension scheme? No
Do you own any investment or other property? No
Ages of children: N/A
Life insurance: 25/month
What specific question do you have or what issues are of concern to you?
Feel in a bit of a spiral at the moment, changed career a few years ago but it hasn't gone right. Trying to get back into the industry I was in but using the new skills I have. ****ed off because seem to be sinking further and further into debt, hopefully for the first time in a long time at the end of this month my salary won't be gone to pay off my overdraft. Might be getting 25,000 from a deal I did a while back which would sort out all my problems but cant rely on that. Basically need advice on how to get out of all this bc can't enjoy life at the moment!!