Age: 36
Spouse’s/Partner's age: 45
Annual gross income from employment or profession: 11533 Unemployment benefit
Annual gross income of spouse:11533 Unemployment benefit
Type of employment: e.g. unemployed
In general are you spending more than you earn or are you saving? Yes
Rough estimate of value of home 450K
Amount outstanding on your mortgage: 115K
What interest rate are you paying? 5.75 i think will have to double check
Other borrowings – car loans/personal loans etc €500 on car left
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card? €900
Savings and investments: All childrens allowance money goes into investments and savings for their education
Actual savings about €3000 and declining rapidly
Do you have a pension scheme? No
Do you own any investment or other property? No
Ages of children: 1 and 4
Life insurance: €200K dual cover and serious illness cover of €35k as well costs us €100 per month
What specific question do you have or what issues are of concern to you?
DH and I have been unemployed since January this year and we've both been actively looking for employment but to know avail. If I go back 3 days a week the most I can hope to earn is about €330 and childcare will cost me €180 even if DH gets a job he doesn't have any qualifications and the most he can earn is a week is €450-500 a week which really leaves us struggling no matter what way we look at it.
I've cancelled our NTL, we never go out, we do have VIVAS but I'm reluctant to give it up as we've been glad of it twice in the past year when DD was ill. our Esb is paid monthly, and we also pay for our oil on a monthly basis by standing order. I do all our shopping in Lidl or Aldi.
We get mortgage allowance of sW of 37.40 a week
At the moment everything that comes in goes straight back out - we're often in the red.
We pay for DD to go to playschool twice a week and i'm reluctant to give this up.
I had heard of a scheme if you had a gp or medical card you could get some subsidy towards childcare but it had to be a community one -we don't have a community creche/playschool in our town.
Any advice etc would be great sorry if i'm not more specific its just I don't know where to start
Spouse’s/Partner's age: 45
Annual gross income from employment or profession: 11533 Unemployment benefit
Annual gross income of spouse:11533 Unemployment benefit
Type of employment: e.g. unemployed
In general are you spending more than you earn or are you saving? Yes
Rough estimate of value of home 450K
Amount outstanding on your mortgage: 115K
What interest rate are you paying? 5.75 i think will have to double check
Other borrowings – car loans/personal loans etc €500 on car left
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card? €900
Savings and investments: All childrens allowance money goes into investments and savings for their education
Actual savings about €3000 and declining rapidly
Do you have a pension scheme? No
Do you own any investment or other property? No
Ages of children: 1 and 4
Life insurance: €200K dual cover and serious illness cover of €35k as well costs us €100 per month
What specific question do you have or what issues are of concern to you?
DH and I have been unemployed since January this year and we've both been actively looking for employment but to know avail. If I go back 3 days a week the most I can hope to earn is about €330 and childcare will cost me €180 even if DH gets a job he doesn't have any qualifications and the most he can earn is a week is €450-500 a week which really leaves us struggling no matter what way we look at it.
I've cancelled our NTL, we never go out, we do have VIVAS but I'm reluctant to give it up as we've been glad of it twice in the past year when DD was ill. our Esb is paid monthly, and we also pay for our oil on a monthly basis by standing order. I do all our shopping in Lidl or Aldi.
We get mortgage allowance of sW of 37.40 a week
At the moment everything that comes in goes straight back out - we're often in the red.
We pay for DD to go to playschool twice a week and i'm reluctant to give this up.
I had heard of a scheme if you had a gp or medical card you could get some subsidy towards childcare but it had to be a community one -we don't have a community creche/playschool in our town.
Any advice etc would be great sorry if i'm not more specific its just I don't know where to start