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@tomas5tex Came here to say this. It also makes getting sick, loosing your job, getting divorced or any other large life event so,so much harder if you have a big mortgage hanging over your head. Surely there must be cheaper first homes in Waikato?

@daisy83 Covert $50,000 of your mortgage to an offset mortgage & offset against your savings. Or a revolving credit. You’ll save on both interest payments & tax.

@jlnunez725 Not sure what car you have, but could you downgrade to a more fuel efficient petrol car? My 10 year old Toyota Corolla is amazing on gas.

@ella1838 Keep an eye on supermarket meat specials esp. New World. They usually have meat specials on until Sunday. Apparently they can’t legally raise the price on any unsold meat back to their standard price. So they orange sticker any meat that hasn’t sold for cheaper first thing on...

@trivialator We ended up with 7 mortgages after a renovation. We turned the smallest into an offset, then used savings to offset interest payments so we didn’t pay any interest. With offset mortgages, you can make lump sum payments of any amount, at anytime via the banks app. So we focused...