Age:
28
Spouse’s/Partner's age:
na
Annual gross income from employment or profession:
€1884 per month after tax, and levies - 471 weekly
Annual gross income spouse:
na
Type of employment:
Civil servant
Expenditure pattern: just getting by, find it hard to keep money from week to week and find it hard to save
Rough estimate of value of home
160k maybe, mortgage is 696.12 per month fixed till 2013 at 5.35%
Other borrowings – car loans/personal loans etc
no loans
Other outgoings – PM
Bins- 22
Home insurance - 19.69
tv licence- 13.33
sky -24.00
health insurance aviva -59.17
life insurance- 45.70
car tax- 57
broadband - 29.95
pet insurance - 19.43
finance on TV - 56 until April 2011
Do you pay off your full credit card balance each month?
I try my best, at the mo its paid off
Savings and investments:
400 started saving 75 a week since Jan
Do you have a pension scheme?
Yes
Do you own any investment or other property?
no.
Ages of children:
Na
Life insurance:
Yes
What specific question do you have or what issues are of concern to you?
I am better off than most I know but id like to be able to have some cash for myself once in a while, my savings usually go on fixing the car, esb bill or heating oil. I dont have any loans apart from my mortgage, weekly I get €471 thats €1884 per month and all my outgoings for the month add up to €1040 - €124 tax relief = €916 so I am left with (€1884-€916)= €968 for the month divide by 4 and I have €242 per week to myself so saving €75 out of that brings it down to €167 for the week and out of that I have to get diesal and food, am I managing ok? or is there anything different I could do?
28
Spouse’s/Partner's age:
na
Annual gross income from employment or profession:
€1884 per month after tax, and levies - 471 weekly
Annual gross income spouse:
na
Type of employment:
Civil servant
Expenditure pattern: just getting by, find it hard to keep money from week to week and find it hard to save
Rough estimate of value of home
160k maybe, mortgage is 696.12 per month fixed till 2013 at 5.35%
Other borrowings – car loans/personal loans etc
no loans
Other outgoings – PM
Bins- 22
Home insurance - 19.69
tv licence- 13.33
sky -24.00
health insurance aviva -59.17
life insurance- 45.70
car tax- 57
broadband - 29.95
pet insurance - 19.43
finance on TV - 56 until April 2011
Do you pay off your full credit card balance each month?
I try my best, at the mo its paid off
Savings and investments:
400 started saving 75 a week since Jan
Do you have a pension scheme?
Yes
Do you own any investment or other property?
no.
Ages of children:
Na
Life insurance:
Yes
What specific question do you have or what issues are of concern to you?
I am better off than most I know but id like to be able to have some cash for myself once in a while, my savings usually go on fixing the car, esb bill or heating oil. I dont have any loans apart from my mortgage, weekly I get €471 thats €1884 per month and all my outgoings for the month add up to €1040 - €124 tax relief = €916 so I am left with (€1884-€916)= €968 for the month divide by 4 and I have €242 per week to myself so saving €75 out of that brings it down to €167 for the week and out of that I have to get diesal and food, am I managing ok? or is there anything different I could do?