back2black
Registered User
- Messages
- 12
Age:
32
Spouse’s/Partner's age:
33
Annual gross income from employment or profession:
E80,000
Annual gross income spouse:
E3,500
Part time few hours per week. Recent enough.
Hopes to go self employed in near future
Type of employment:
Both private sector employees
Expenditure pattern:
Live month to month which normally runs out before payday! Just haven't got into the habit of saving. Wouldn't be out every week maybe once a month.
Home
Rent €1200 per month
Other borrowings – car loans/personal loans etc
Credit union. €5,600 paying back €230 per month
No credit card or overdraft
Usual bills, 1 car (2004 focus)
Do you have a pension scheme?
Yes but from previous employment. Haven't contributed in 7 years
Do you own any investment or other property?
No.
Ages of children:
12,10 and 6
Life insurance:
Yes.
What specific question do you have or what issues are of concern to you?
Basically things need to change dramatically. Just got a decent increase in salary so looking to build up savings to work towards a mortgage. Am considering €800 per month but is that enough? Where do I put it?
Do I look to contribute to pension also?
Basically any advice from the experts! Much appreciated
Can go into more detail if required. Have limited company which has small turnover but will build on that
32
Spouse’s/Partner's age:
33
Annual gross income from employment or profession:
E80,000
Annual gross income spouse:
E3,500
Part time few hours per week. Recent enough.
Hopes to go self employed in near future
Type of employment:
Both private sector employees
Expenditure pattern:
Live month to month which normally runs out before payday! Just haven't got into the habit of saving. Wouldn't be out every week maybe once a month.
Home
Rent €1200 per month
Other borrowings – car loans/personal loans etc
Credit union. €5,600 paying back €230 per month
No credit card or overdraft
Usual bills, 1 car (2004 focus)
Do you have a pension scheme?
Yes but from previous employment. Haven't contributed in 7 years
Do you own any investment or other property?
No.
Ages of children:
12,10 and 6
Life insurance:
Yes.
What specific question do you have or what issues are of concern to you?
Basically things need to change dramatically. Just got a decent increase in salary so looking to build up savings to work towards a mortgage. Am considering €800 per month but is that enough? Where do I put it?
Do I look to contribute to pension also?
Basically any advice from the experts! Much appreciated
Can go into more detail if required. Have limited company which has small turnover but will build on that
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