Age: 31
Spouse’s/Partner's age: In a relationship but we are not living together.
Annual gross income from employment or profession: 72500 salary, 4k Bonus
Annual gross income of spouse:
Monthly take-home pay approx 3,500 after contribution to pension
Type of employment: e.g. Civil Servant, self-employed - private
In general are you:
(a) spending more than you earn, or
(b) saving? Saving what i can
Rough estimate of value of home eeek 250k (?)
Amount outstanding on your mortgage: 295K approx
What interest rate are you paying? 3 year fixed rate 3.67% finishing September 2012. I pay 1050 per month. I also rent a room for 250pm. whcih just started this month - was living on my own for a while. no huge bills - usual like Sky, gas, electric, bins, household...
Other borrowings – car loans/personal loans etc No. I have a car but i walk to work so no huge petrol expenses
Do you pay off your full credit card balance each month? Yes
If not, what is the balance on your credit card? Nothing
Savings and investments:
20k in three year post office savings bond
5,500 in 15 month account
5k in 7 day notice account
Saving 500 a month direct debit into 12 month account - so far 2k saved into this account. anything left at end of month is put into the 7 day notice account.
6,200 prize bonds - received as a gift and cannot cash in unless absolute emergency
Do you have a pension scheme? Yes - no clue what its worth just that emplyer contributes 6% of salary and i contribte 5%
Do you own any investment or other property? No
Ages of children: None
Life insurance: Yes
Questions:
I would just love somone to give me some guidance as to how my savings are going for me adn if there is something else that i should be doing with them. Im not saving for anything in particular - I am a terrible worrier though and really I am just worried about the future charges coming down the road and the fact that i am in negative equity and if i want to buy another house in the future if i have a family etc. I am young so i want to enjoy myself too - holidays, clothes, nights out etc. I dhave done alot of travelling and only really started saving for house/future in the last 4 years (bought the house about 1.5 years ago) so dont have much accumulated. would love if anybody could tell me how i am doing overall offer me some advice for the future.........
Spouse’s/Partner's age: In a relationship but we are not living together.
Annual gross income from employment or profession: 72500 salary, 4k Bonus
Annual gross income of spouse:
Monthly take-home pay approx 3,500 after contribution to pension
Type of employment: e.g. Civil Servant, self-employed - private
In general are you:
(a) spending more than you earn, or
(b) saving? Saving what i can
Rough estimate of value of home eeek 250k (?)
Amount outstanding on your mortgage: 295K approx
What interest rate are you paying? 3 year fixed rate 3.67% finishing September 2012. I pay 1050 per month. I also rent a room for 250pm. whcih just started this month - was living on my own for a while. no huge bills - usual like Sky, gas, electric, bins, household...
Other borrowings – car loans/personal loans etc No. I have a car but i walk to work so no huge petrol expenses
Do you pay off your full credit card balance each month? Yes
If not, what is the balance on your credit card? Nothing
Savings and investments:
20k in three year post office savings bond
5,500 in 15 month account
5k in 7 day notice account
Saving 500 a month direct debit into 12 month account - so far 2k saved into this account. anything left at end of month is put into the 7 day notice account.
6,200 prize bonds - received as a gift and cannot cash in unless absolute emergency
Do you have a pension scheme? Yes - no clue what its worth just that emplyer contributes 6% of salary and i contribte 5%
Do you own any investment or other property? No
Ages of children: None
Life insurance: Yes
Questions:
I would just love somone to give me some guidance as to how my savings are going for me adn if there is something else that i should be doing with them. Im not saving for anything in particular - I am a terrible worrier though and really I am just worried about the future charges coming down the road and the fact that i am in negative equity and if i want to buy another house in the future if i have a family etc. I am young so i want to enjoy myself too - holidays, clothes, nights out etc. I dhave done alot of travelling and only really started saving for house/future in the last 4 years (bought the house about 1.5 years ago) so dont have much accumulated. would love if anybody could tell me how i am doing overall offer me some advice for the future.........