R
ralphlauren
Guest
Age: 35
Spouse’s/Partner's age:33
Annual gross income from employment or profession:32000
Annual gross income of spouse:29000
Type of employment: e.g. Civil Servant, self-employed
private
In general are you:
(a) spending more than you earn, or
(b) saving?
need to save for a car
Rough estimate of value of home 230k
Amount outstanding on your mortgage:160k
What interest rate are you paying?
low tracker think its 1.5?
Other borrowings – car loans/personal loans etc
none
Do you pay off your full credit card balance each month? yes
If not, what is the balance on your credit card?
Savings and investments:
save 100 a month each, to cover tax insurance and xmas
Do you have a pension scheme? yes
Do you own any investment or other property? no
Ages of children: 3 yrs and 6 mths
Life insurance: 15.42 pm (life decreasing policy)
What specific question do you have or what issues are of concern to you?
airtricity - 61 pm
heating fuel - 65 pm
broadband - 19.99
sky - 31
phones 100 pm between us
life insurance - 15.42 p,m
creche 1240 - no food ( have looked for childminder in area but none available)#
bin 30pm
house insurance 51 pm
mortgage 605 pm
shopping 600 pm (bring work to lunch but spend 1-2 euro on sweets, crisps or drinks at work etc)
petrol - her 240 me 200
live in a rural area, work in different directions so have to drive
trying to save incase one of our cars die!! so what could we realisticly expect to save
Spouse’s/Partner's age:33
Annual gross income from employment or profession:32000
Annual gross income of spouse:29000
Type of employment: e.g. Civil Servant, self-employed
private
In general are you:
(a) spending more than you earn, or
(b) saving?
need to save for a car
Rough estimate of value of home 230k
Amount outstanding on your mortgage:160k
What interest rate are you paying?
low tracker think its 1.5?
Other borrowings – car loans/personal loans etc
none
Do you pay off your full credit card balance each month? yes
If not, what is the balance on your credit card?
Savings and investments:
save 100 a month each, to cover tax insurance and xmas
Do you have a pension scheme? yes
Do you own any investment or other property? no
Ages of children: 3 yrs and 6 mths
Life insurance: 15.42 pm (life decreasing policy)
What specific question do you have or what issues are of concern to you?
airtricity - 61 pm
heating fuel - 65 pm
broadband - 19.99
sky - 31
phones 100 pm between us
life insurance - 15.42 p,m
creche 1240 - no food ( have looked for childminder in area but none available)#
bin 30pm
house insurance 51 pm
mortgage 605 pm
shopping 600 pm (bring work to lunch but spend 1-2 euro on sweets, crisps or drinks at work etc)
petrol - her 240 me 200
live in a rural area, work in different directions so have to drive
trying to save incase one of our cars die!! so what could we realisticly expect to save