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  1. S

    I have been spending 60% of my wage on nothing for 8 years

    @jeplet Good on you! Try not to focus on the past, - there's nothing you can do to change that - look to the bright future you're now on the path to.
  2. S

    pay off your portage in 1/3 the period?

    @dymesgirl Sounds like NZ Home Loans' pitch but you (essentially) pay them a subscription fee for them to tell you what is already common sense. Edit : I see "NZHL's program" has already been detailed in this thread lol.
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