Age: 27
Spouse’s/Partner's age: n/a
Monthly net income from employment or profession: 1950
FIS of €38 per week (165 per month)
Child benefit of €150 per month
Total monthly income 2265
Type of employment: employee in private co
In general I am struggling to balance the books
Outgoings per month
Rent 600
Personal loans of 20k @ 405 per month
ESB - 60 per month (slightly in arrears of about €100)
Insurance €84 per month until September then no cost until December
Creche fees €325 per month
Sky 28 per month
O2 broadband €20 per month needed for work
Phone bill in 70- 100 being paid off (arrears of about €250 - plus €50 per month needed for work - no house phone)
Child swimming lessons - 35
Car tax - 44 per month (trying to downsize car)
Petrol - 80 per month
Tv licence 13 per month
Groceries 215 per month
Fuel 100 per month
Total monthly outgoings 2111
Balance 150
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card? 1000 (paying approx €70 per month)
Savings and investments: None
Do you have a pension scheme? No
Ages of children: 7
Life insurance: none
What specific question do you have or what issues are of concern to you?
By my budget I should be doing ok. But I've been hit by one thing after another recently and I just can't seem to get back on top again. I had a car accident over the bad spell and my car is a write off and I HAVE to get another so need to get about 500 together in the next few months.
I also have to sit exams for my job which are 300. My employers will reimburse me once I pass but that won't be until June.
I am constantly chasing my tail and trying desperately not to get any deeper in debt. I'm just sick over everything, not eating or sleeping. I don't know what to do. I've cut my costs back to a bare minimum. Our only "luxuries" are sky and swimming lessons. We don't have treats in our house so I'd really like to hold onto those if at all possible but I'm not sure what else to do.
I'm also sick with worry over the proposed pension enforcement the government want to bring in. Things are to the wire at the moment as it stands.
Spouse’s/Partner's age: n/a
Monthly net income from employment or profession: 1950
FIS of €38 per week (165 per month)
Child benefit of €150 per month
Total monthly income 2265
Type of employment: employee in private co
In general I am struggling to balance the books
Outgoings per month
Rent 600
Personal loans of 20k @ 405 per month
ESB - 60 per month (slightly in arrears of about €100)
Insurance €84 per month until September then no cost until December
Creche fees €325 per month
Sky 28 per month
O2 broadband €20 per month needed for work
Phone bill in 70- 100 being paid off (arrears of about €250 - plus €50 per month needed for work - no house phone)
Child swimming lessons - 35
Car tax - 44 per month (trying to downsize car)
Petrol - 80 per month
Tv licence 13 per month
Groceries 215 per month
Fuel 100 per month
Total monthly outgoings 2111
Balance 150
Do you pay off your full credit card balance each month? No
If not, what is the balance on your credit card? 1000 (paying approx €70 per month)
Savings and investments: None
Do you have a pension scheme? No
Ages of children: 7
Life insurance: none
What specific question do you have or what issues are of concern to you?
By my budget I should be doing ok. But I've been hit by one thing after another recently and I just can't seem to get back on top again. I had a car accident over the bad spell and my car is a write off and I HAVE to get another so need to get about 500 together in the next few months.
I also have to sit exams for my job which are 300. My employers will reimburse me once I pass but that won't be until June.
I am constantly chasing my tail and trying desperately not to get any deeper in debt. I'm just sick over everything, not eating or sleeping. I don't know what to do. I've cut my costs back to a bare minimum. Our only "luxuries" are sky and swimming lessons. We don't have treats in our house so I'd really like to hold onto those if at all possible but I'm not sure what else to do.
I'm also sick with worry over the proposed pension enforcement the government want to bring in. Things are to the wire at the moment as it stands.