W
western
Guest
Age:
30
Spouse’s/Partner's age:
31
Annual gross income from employment or profession:
€36,000 raising on payscale rate each year
Annual gross income spouse:
€34,000
Type of employment:
Both public sector employees
Expenditure pattern:
Only really started to earn relatively ok money in the last 2 years so only have a years worth of saving experience so far.
Pay out €775 rent each month + standard esb, gas bills. Have car but do not drive to work so not much expenditure on petrol.
Other borrowings – car loans/personal loans etc
None
Do you pay off your full credit card balance each month?
Yes
Savings and investments:
Have €10000 with Halifax maturing next week, will be investing a Rabo direct 6 month term deposit account in a few weeks. Will continue to save roughly about €750 a month in a new credit union account in a month or so.
€8000 in current account
Do you have a pension scheme?
Me: Standard public sector pension.
Partner: No
Do you own any investment or other property?
No.
Ages of children:
None.
Income Continuance
Me Yes
partner no
What specific question do you have or what issues are of concern to you?
Will be getting married in October 2009 and hoping to buy a house in Galway at the end of this year or early next year. My partner is currently job hunting.
Assuming my partner gets a job paying between €25000 and €35000 a year in the next few weeks, my question is do you think it’s possible for us to afford a wedding of about €20000 and a deposit for a house which going on current trends will be €25000 in the time frame above?
30
Spouse’s/Partner's age:
31
Annual gross income from employment or profession:
€36,000 raising on payscale rate each year
Annual gross income spouse:
€34,000
Type of employment:
Both public sector employees
Expenditure pattern:
Only really started to earn relatively ok money in the last 2 years so only have a years worth of saving experience so far.
Pay out €775 rent each month + standard esb, gas bills. Have car but do not drive to work so not much expenditure on petrol.
Other borrowings – car loans/personal loans etc
None
Do you pay off your full credit card balance each month?
Yes
Savings and investments:
Have €10000 with Halifax maturing next week, will be investing a Rabo direct 6 month term deposit account in a few weeks. Will continue to save roughly about €750 a month in a new credit union account in a month or so.
€8000 in current account
Do you have a pension scheme?
Me: Standard public sector pension.
Partner: No
Do you own any investment or other property?
No.
Ages of children:
None.
Income Continuance
Me Yes
partner no
What specific question do you have or what issues are of concern to you?
Will be getting married in October 2009 and hoping to buy a house in Galway at the end of this year or early next year. My partner is currently job hunting.
Assuming my partner gets a job paying between €25000 and €35000 a year in the next few weeks, my question is do you think it’s possible for us to afford a wedding of about €20000 and a deposit for a house which going on current trends will be €25000 in the time frame above?