D
Dublingirl
Guest
Age: 28
Spouse’s/Partner's age: N/a
Annual gross income from employment or profession: 58,000
Annual gross income of spouse: N/a
Type of employment: Private Sector
Spending more than I earn
Rough estimate of value of home:€220,000
Amount outstanding on your mortgage: €210,000
What interest rate are you paying? Standard Variable 3.8% EBS
Other borrowings
Above Mortgage over 35 years - Repayments of €800 per month (After TRS)
Credit Union Loan Borrowed 30k - Balance 23k, repayments 500pm. 5 Years left on loan.
MBNA Loan - Borrowed 18k -Balance 11k Repayments 345pm. 3 Years left on loan
BOI Loan - Borrowed 32K - Balance 25K - Repayments 665.00pm - 4 Years left on Loan
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card?
Halifax 6K - Pay 198.00 per month
MBNA 6k - Pay minimum payment per month circa 80 euro
Savings and investments: None
Do you have a pension scheme? No
Do you own any investment or other property? No
Ages of children: None
Life insurance: None
Other bills
Car ( Worth 1k) - Insurance 35 per month, Tax 30 per month, petrol 20 per month
Phone - Ready to go €20 per month
VHI: €85 per month
TV NTL: €35 per month
TV Licence 13.33 per month
Grocery Shopping : 200 per month
Bus Travel: €90 per month ( 4 miles to work)
Apartment Management fees - 75 per month ( 900.00 annually)
ESB : 50.00 per month
GAS: Don't use in summer but usually 40.00 per month in winter.
What specific question do you have or what issues are of concern to you?
I am currenly paying all the above and am not in arrears, however I am finding it difficult to make ends meet. I do not smoke and have not been spending any money on nights out/takeaways/holidays, as you can see from my debt I did too much of this in the past and now want to try to get myself debt free. I understand I put myself in this position and blame nobody else. Just hoping for some suggestions and advice. All welcome and thank you in advance.
Spouse’s/Partner's age: N/a
Annual gross income from employment or profession: 58,000
Annual gross income of spouse: N/a
Type of employment: Private Sector
Spending more than I earn
Rough estimate of value of home:€220,000
Amount outstanding on your mortgage: €210,000
What interest rate are you paying? Standard Variable 3.8% EBS
Other borrowings
Above Mortgage over 35 years - Repayments of €800 per month (After TRS)
Credit Union Loan Borrowed 30k - Balance 23k, repayments 500pm. 5 Years left on loan.
MBNA Loan - Borrowed 18k -Balance 11k Repayments 345pm. 3 Years left on loan
BOI Loan - Borrowed 32K - Balance 25K - Repayments 665.00pm - 4 Years left on Loan
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card?
Halifax 6K - Pay 198.00 per month
MBNA 6k - Pay minimum payment per month circa 80 euro
Savings and investments: None
Do you have a pension scheme? No
Do you own any investment or other property? No
Ages of children: None
Life insurance: None
Other bills
Car ( Worth 1k) - Insurance 35 per month, Tax 30 per month, petrol 20 per month
Phone - Ready to go €20 per month
VHI: €85 per month
TV NTL: €35 per month
TV Licence 13.33 per month
Grocery Shopping : 200 per month
Bus Travel: €90 per month ( 4 miles to work)
Apartment Management fees - 75 per month ( 900.00 annually)
ESB : 50.00 per month
GAS: Don't use in summer but usually 40.00 per month in winter.
What specific question do you have or what issues are of concern to you?
I am currenly paying all the above and am not in arrears, however I am finding it difficult to make ends meet. I do not smoke and have not been spending any money on nights out/takeaways/holidays, as you can see from my debt I did too much of this in the past and now want to try to get myself debt free. I understand I put myself in this position and blame nobody else. Just hoping for some suggestions and advice. All welcome and thank you in advance.