Thanks for the reply Cremeegg..
Age: 35
Spouse’s/Partner's age: 32
Annual gross income from employment or profession: €42,000
Annual NET income of spouse: €9,776 (Job Seekers Allowance)
Monthly take-home pay: €430 after all loans(incl mortgage) and bills are paid.
Type of employment: e.g. Civil Servant, self-employed:Private sector.
In general are you:
(a) spending more than you earn, or
(b) saving?
(a). spending more than we earn.
Rough estimate of value of home:€180,000
Amount outstanding on your mortgage: €255,000
What interest rate are you paying? Tracker rate of 1.45% (.85% adjusted for .6%)
Other borrowings – car loans/personal loans etc
€96,000 for car/credit union/personal loans.
Do you pay off your full credit card balance each month? Reduced Payments
If not, what is the balance on your credit card?
€8,500
Savings and investments:
€7,000 CU shares that cannot be touched.
Do you have a pension scheme?
Yes.
Do you own any investment or other property?
No
Ages of children:
None
Life insurance:
Yes