R
roising
Guest
Age: 39
Spouse’s/Partner's age: 40
Annual gross income from employment or profession: 30,000 (jobsharing - could go full time and increase to 58000)
Annual gross income spouse:54000
Type of employment: e.g. Civil Servant, self-employed civil servant - me, employee - him
Expenditure pattern: In general are you spending more than you earn or are you saving? spending
Rough estimate of value of home 385000
Mortgage on home 257000
Mortgage provider:AIB
Type of mortgage: Tracker, interest only, fixed rate Tracker
Interest rate 4.7
Other borrowings – car loans/personal loans etc Personal loan with AIB 4,300 (paying 100 per month back) Credit Union 4000 (paying 420 per month back)
Do you pay off your full credit card balance each month? no
If not, what is the balance on your credit card? 1200
Savings and investments:none
Do you have a pension scheme? yes (both me and spouse, mine index linked, his not)
Do you own any investment or other property? no
Ages of children: 4 and 5
Life insurance: yes
What specific question do you have or what issues are of concern to you?
Spouse’s/Partner's age: 40
Annual gross income from employment or profession: 30,000 (jobsharing - could go full time and increase to 58000)
Annual gross income spouse:54000
Type of employment: e.g. Civil Servant, self-employed civil servant - me, employee - him
Expenditure pattern: In general are you spending more than you earn or are you saving? spending
Rough estimate of value of home 385000
Mortgage on home 257000
Mortgage provider:AIB
Type of mortgage: Tracker, interest only, fixed rate Tracker
Interest rate 4.7
Other borrowings – car loans/personal loans etc Personal loan with AIB 4,300 (paying 100 per month back) Credit Union 4000 (paying 420 per month back)
Do you pay off your full credit card balance each month? no
If not, what is the balance on your credit card? 1200
Savings and investments:none
Do you have a pension scheme? yes (both me and spouse, mine index linked, his not)
Do you own any investment or other property? no
Ages of children: 4 and 5
Life insurance: yes
What specific question do you have or what issues are of concern to you?