Age: 32
Spouse’s/Partner's age: 29
Annual gross income from employment or profession: 70000
Annual gross income of spouse: 55000
Type of employment:
I am a Consultant
Spouse is Public Sector
In general are you spending more than you earn or are you saving?
Rough estimate of value of home 450000
Amount outstanding on your mortgage: 330000
What interest rate are you paying? 4.75
Other borrowings – car loans/personal loans etc
CU Loan of 12000
CC 1000
Do you pay off your full credit card balance each month? Mostly yes
If not, what is the balance on your credit card? 1000
Savings and investments: No Savings
Do you have a pension scheme? I dont, spouse does with Civil service pension
Do you own any investment or other property? No
Ages of children: None
Life insurance: Yes €30 per month
Utilities:
Gas ave €100pm
ESB
What specific question do you have or what issues are of concern to you?
We seem to be struggling every month with the bills. the biggest problem is that i try to save money but the OH spends more than they earn. I have tried talking to them abiout this but its is very difficult to broach the subject.
Spouse’s/Partner's age: 29
Annual gross income from employment or profession: 70000
Annual gross income of spouse: 55000
Type of employment:
I am a Consultant
Spouse is Public Sector
In general are you spending more than you earn or are you saving?
Rough estimate of value of home 450000
Amount outstanding on your mortgage: 330000
What interest rate are you paying? 4.75
Other borrowings – car loans/personal loans etc
CU Loan of 12000
CC 1000
Do you pay off your full credit card balance each month? Mostly yes
If not, what is the balance on your credit card? 1000
Savings and investments: No Savings
Do you have a pension scheme? I dont, spouse does with Civil service pension
Do you own any investment or other property? No
Ages of children: None
Life insurance: Yes €30 per month
Utilities:
Gas ave €100pm
ESB
What specific question do you have or what issues are of concern to you?
We seem to be struggling every month with the bills. the biggest problem is that i try to save money but the OH spends more than they earn. I have tried talking to them abiout this but its is very difficult to broach the subject.