Age: 30
Annual gross income from employment or profession: 32,000
Type of employment: Private sector worker
In general are you: saving
Rough estimate of value of home - N/A, currently renting at 400 euro per month
Other borrowings - No other borrowings/loans
Do you pay off your full credit card balance each month? mostly, max of 200 euro of a balance if I dont pay it off in a particular month.
Savings and investments: 11,000 in savings, no investments. Adding 600 to savings each month, 500 of which I really try not to touch and 100 which is saved for short term items like car insurance, car tax etc.
Do you have a pension scheme? No. Employer does not make any contribution so I've never really been that interested.
Do you own any investment or other property? No
Ages of children: N/A
Life insurance: No
What specific question do you have or what issues are of concern to you?
I've turned 30 this year and like most Irish people, would like to own my own house at some stage. I do have a partner but have kept his details seperately as we currently keep all our money seperately. My net income at the moment is around 2,300 which will drop to approx 2,100 I think after the budget changes.
Out of this I am paying rent (400), savings (600), household bills (200), Mobile (50) every month. I have a car so have petrol & car maintenance bills.
I do not have a pension and am unsure whether I should start one now, or wait until after I have bought a house (would really hope to buy a house in the next 3 years).
My job seems stable enough but I guess no one knows. I do not have either income continuance protection or permanent health insurance.
Is my best bet to try & keep saving as much as possible for the next 2 or 3 years & then try and buy a house? Is it possible to get a mortgage to buy a site?
Annual gross income from employment or profession: 32,000
Type of employment: Private sector worker
In general are you: saving
Rough estimate of value of home - N/A, currently renting at 400 euro per month
Other borrowings - No other borrowings/loans
Do you pay off your full credit card balance each month? mostly, max of 200 euro of a balance if I dont pay it off in a particular month.
Savings and investments: 11,000 in savings, no investments. Adding 600 to savings each month, 500 of which I really try not to touch and 100 which is saved for short term items like car insurance, car tax etc.
Do you have a pension scheme? No. Employer does not make any contribution so I've never really been that interested.
Do you own any investment or other property? No
Ages of children: N/A
Life insurance: No
What specific question do you have or what issues are of concern to you?
I've turned 30 this year and like most Irish people, would like to own my own house at some stage. I do have a partner but have kept his details seperately as we currently keep all our money seperately. My net income at the moment is around 2,300 which will drop to approx 2,100 I think after the budget changes.
Out of this I am paying rent (400), savings (600), household bills (200), Mobile (50) every month. I have a car so have petrol & car maintenance bills.
I do not have a pension and am unsure whether I should start one now, or wait until after I have bought a house (would really hope to buy a house in the next 3 years).
My job seems stable enough but I guess no one knows. I do not have either income continuance protection or permanent health insurance.
Is my best bet to try & keep saving as much as possible for the next 2 or 3 years & then try and buy a house? Is it possible to get a mortgage to buy a site?
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