Age: 29
I own an apartment with a friend. We have a dual mortgage. I pay 441 per month.
Annual gross income from employment or profession: Started last week on €8.65 per hour
Type of employment: Cafe/Barista
In general I am:
(a) spending more than I earn
Rough estimate of value of home:
Hopefully 260k
Amount outstanding on your mortgage: Only in it 4 years so most of it
Other borrowings – car loans/personal loans etc
Personal loan - 155 per month
Do you pay off your full credit card balance each month?
No
If not, what is the balance on your credit card?
900
Overdraft:
700
Savings and investments:
1000 saved in EBS
Do you have a pension scheme?
No
Do you own any investment or other property?
No
Bills:
NTL & Internet - 30 per month
Electricity - 25 per month
Gas - 25
Management
Ages of children:
None
Life insurance:
25 per month
Apart from looking for a new job does anyone have any suggestions for me?
I am really stressed out. I realise I am lucky that I found a new job so quickly but I don't know how I'm going to make ends meet.
I own an apartment with a friend. We have a dual mortgage. I pay 441 per month.
Annual gross income from employment or profession: Started last week on €8.65 per hour
Type of employment: Cafe/Barista
In general I am:
(a) spending more than I earn
Rough estimate of value of home:
Hopefully 260k
Amount outstanding on your mortgage: Only in it 4 years so most of it
Other borrowings – car loans/personal loans etc
Personal loan - 155 per month
Do you pay off your full credit card balance each month?
No
If not, what is the balance on your credit card?
900
Overdraft:
700
Savings and investments:
1000 saved in EBS
Do you have a pension scheme?
No
Do you own any investment or other property?
No
Bills:
NTL & Internet - 30 per month
Electricity - 25 per month
Gas - 25
Management
Ages of children:
None
Life insurance:
25 per month
Apart from looking for a new job does anyone have any suggestions for me?
I am really stressed out. I realise I am lucky that I found a new job so quickly but I don't know how I'm going to make ends meet.