Age: 31
Spouse’s/Partner's age: 29
Annual gross income from employment or profession: 44k
Annual gross income spouse: 34k
Type of employment: Engineering , spouse: Shop manager
Expenditure pattern: In general are you spending more than you earn or are you saving? Saving €600 pm AIB regular saver
Rough estimate of value of home: €380k
Mortgage on home: €186k
Mortgage provider: PTSB
Type of mortgage: Tracker
Interest rate 4.80
Other borrowings – car loan Credit Union €6500 left paying €100 aw
Do you pay off your full credit card balance each month?
Yes
Savings and investments: €10k in Rabo savings €1k in mix of investment funds, €15k in FA, €10k in AIB 7dd , €6k in AIB instant access, €4k on deposit
Do you have a pension scheme? Yes
Do you own any investment or other property?
½ share in house worth €265k, €138k mortgage, €12k in joint account
½ share in house worth €150k, €124k mortgage, €18k in joint account
Ages of children: 3 months
Life insurance: to cover mortgage
What specific question do you have or what issues are of concern to you?
1). was thinking of moving house, cost €560k will cost about €2k mortgage a month. But house is out of town a bit, have to think about cost of doing it up.
2). Need to buy new car around €15k should I borrow from CU 6.99% int, or pay cash
3). How am I doing?
Spouse’s/Partner's age: 29
Annual gross income from employment or profession: 44k
Annual gross income spouse: 34k
Type of employment: Engineering , spouse: Shop manager
Expenditure pattern: In general are you spending more than you earn or are you saving? Saving €600 pm AIB regular saver
Rough estimate of value of home: €380k
Mortgage on home: €186k
Mortgage provider: PTSB
Type of mortgage: Tracker
Interest rate 4.80
Other borrowings – car loan Credit Union €6500 left paying €100 aw
Do you pay off your full credit card balance each month?
Yes
Savings and investments: €10k in Rabo savings €1k in mix of investment funds, €15k in FA, €10k in AIB 7dd , €6k in AIB instant access, €4k on deposit
Do you have a pension scheme? Yes
Do you own any investment or other property?
½ share in house worth €265k, €138k mortgage, €12k in joint account
½ share in house worth €150k, €124k mortgage, €18k in joint account
Ages of children: 3 months
Life insurance: to cover mortgage
What specific question do you have or what issues are of concern to you?
1). was thinking of moving house, cost €560k will cost about €2k mortgage a month. But house is out of town a bit, have to think about cost of doing it up.
2). Need to buy new car around €15k should I borrow from CU 6.99% int, or pay cash
3). How am I doing?