J
john77
Guest
Age: 32
Spouse’s/Partner's age: N/A
Annual gross income from employment or profession: 23,000
Annual gross income of spouse: N/A
Type of employment: e.g. Civil Servant, self-employed: private sector employee
In general are you:
(a) spending more than you earn, or
(b) saving?
Saving
Rough estimate of value of home
Amount outstanding on your mortgage:
What interest rate are you paying?
N/A, renting a room for EUR250 per month.
Other borrowings – car loans/personal loans etc
N/A
Do you pay off your full credit card balance each month?: Yes
If not, what is the balance on your credit card?
Savings and investments: Regular Savings with Anglo Irish, about EUR500 p/m
Do you have a pension scheme? Used to work for Eagle Star & was paying into a pension there, but that was three years ago & haven't transferred it elsewhere. Not sure if I can at this stage, or if i'm better to open a PRSA with Zurich & see if I can transfer over. There's a pension scheme where I work now, but I think it's only thru Irish Life.
Do you own any investment or other property? No
Ages of children: N/A
Life insurance:
What specific question do you have or what issues are of concern to you?
I want to be in a position to buy a property within 5 years (within 2-3 if possible). I've only started looking at my finances earlier this year after getting back to work after a year & a half out.
I'm fairly good at saving I think, & have done so in the past for specific reasons: degree course at night, sports therapist course, year out, etc. I came into a sterling lump sum (c. £10,000) last year which is currently with Anglo. I started a regular savings with Anglo as well earlier this year.
I'm prepared to take on a bit more risk as well though & was thinkin of investing a regular amount in something that's stock market-related, maybe through something like Quinn's Freeway or maybe a managed fund with Irish Life.
I'm also not sure what to do in relation to my pension (see above). I'm thinkin (if I can re-activate the pension I had) of just putting a small amount per month into something just to keep it ticking over until I have a house & then see if I can focus a bit more attention on it then.
I don't own a car & have no loans to pay off, & I reckon i can put aside up to EUR800/900 per month so just wondering if anyone can suggest ways to maximise how my finances are organised in order to be in the best position to buy a house.
Spouse’s/Partner's age: N/A
Annual gross income from employment or profession: 23,000
Annual gross income of spouse: N/A
Type of employment: e.g. Civil Servant, self-employed: private sector employee
In general are you:
(a) spending more than you earn, or
(b) saving?
Saving
Rough estimate of value of home
Amount outstanding on your mortgage:
What interest rate are you paying?
N/A, renting a room for EUR250 per month.
Other borrowings – car loans/personal loans etc
N/A
Do you pay off your full credit card balance each month?: Yes
If not, what is the balance on your credit card?
Savings and investments: Regular Savings with Anglo Irish, about EUR500 p/m
Do you have a pension scheme? Used to work for Eagle Star & was paying into a pension there, but that was three years ago & haven't transferred it elsewhere. Not sure if I can at this stage, or if i'm better to open a PRSA with Zurich & see if I can transfer over. There's a pension scheme where I work now, but I think it's only thru Irish Life.
Do you own any investment or other property? No
Ages of children: N/A
Life insurance:
What specific question do you have or what issues are of concern to you?
I want to be in a position to buy a property within 5 years (within 2-3 if possible). I've only started looking at my finances earlier this year after getting back to work after a year & a half out.
I'm fairly good at saving I think, & have done so in the past for specific reasons: degree course at night, sports therapist course, year out, etc. I came into a sterling lump sum (c. £10,000) last year which is currently with Anglo. I started a regular savings with Anglo as well earlier this year.
I'm prepared to take on a bit more risk as well though & was thinkin of investing a regular amount in something that's stock market-related, maybe through something like Quinn's Freeway or maybe a managed fund with Irish Life.
I'm also not sure what to do in relation to my pension (see above). I'm thinkin (if I can re-activate the pension I had) of just putting a small amount per month into something just to keep it ticking over until I have a house & then see if I can focus a bit more attention on it then.
I don't own a car & have no loans to pay off, & I reckon i can put aside up to EUR800/900 per month so just wondering if anyone can suggest ways to maximise how my finances are organised in order to be in the best position to buy a house.