amanwithaplan
New Member
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- 8
Who do you share a property and mortgage with?My share of mortgage is 1400, sometimes I overpay this
I bought the house with my partner. They are younger than me, on similar salary, lower pension value, but high savings rate. We split all the bills 50/50.
What is this "investment account" exactly?Investment Account: 60k
I presume this means that you're maximising your pension contributions to your age related limit of 20%?Annual gross income from employment or profession: ~100k total package
Total pension contributions (incl employer) 2.1k per month
What rate and type (tracker, variable, fixed)?Home: 19 years left on the mortgage ~440k
What is your actual personal and household income and expenditure?My actual personal spending is quite low. e.g. my main outgoings are pension and mortgage, both of which will tail off at some point.
Funds invested in equities.What is this "investment account" exactly?
YepI presume this means that you're maximising your pension contributions to your age related limit of 20%?
3.95% fixed for next three years.What rate and type (tracker, variable, fixed)?
Personally, outside of what's for household, with holidays, and once off extras, it averages around 1.4k per month.What is your actual personal and household income and expenditure?
Yes, but what is the actual product? Charges etc.?Funds invested in equities.
That seems very low for all non-mortgage outgoings associated with running a home housing two people. Even the ISI/Back on Track Reasonable Living Expenses for such a situation would be c. €25k and that's pretty much just for the basics.7.2k Household bills
Home: 19 years left on the mortgage ~440k
Investment Account: 60k
Pensions: 275k
Age: 36
Yes, but what is the actual product? Charges etc.?
It's ~15k between us. That's for shared expenses like utility bills and food shopping, money for maintenance which we haven't really needed yet. It wouldn't be for clothes, entertainment etc.That seems very low for all non-mortgage outgoings associated with running a home housing two people. Even the ISI/Back on Track Reasonable Living Expenses for such a situation would be c. €25k and that's pretty much just for the basics.
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