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@petergntm Paying down the mortgage that has a higher interest rate than term deposit (your non offset) still seems like the best option as long as you don't need to access that money later, which it sounds like you don't.

@petergntm This seems like a very simple choice. Your offset account has the highest interest. Higher than term deposit, so why wouldn't you just dump all you money there. Very simple. Term deposit looks up your money, offset account does not. So again offset means you have full access to...

@jd98 If you post on the NZ sub or read it or any NZ subs this will pop up on your feed. Everyone's hurting and apparently according to the NZ sub we need to tax everyone more to fix it.

@ella1838 I have so much stuff to get rid of and while it's worth money when you out it up for free it's gone in 5 seconds and there is no mucking around haggling the price etc. Sometimes you just want it gone. The only real downside as the giver is people come to your house. I've asked to...