We all know that if we pay more each week, our mortgage will reduce accordingly.  Most of us have no way of affording this.   I have some tips and tricks to do this so it won't sting.  Nor surprises there!   I will be sharing these with you.  Please make sure you have read previous blogs so that you have a full understanding of this concept. I am going to refer to the previous blog about fixed mortgages and what they mean.  We discussed the problem of having to refix now at a higher interest rate and what that means to us. I had an interesting conversation with a couple today with regards to their house, car and contents insurance.  They bought me their annual renewal from their current provider.  I had a little look and I had a couple of thoughts that could get their insurance premiums down: Change their car insurance to third party, fire and theft from full cover.  That way their car (that was worth about $5,000) would not be covered unless stolen or burnt. They would be covere

It is interesting when we get insurance, any form of insurance, we are advised by the person who is selling it to us.  Let's think about that for a moment......... Lots of things in life are like that, salespeople are supposedly the experts in their field.   In the 70s my dad was a mechanic, he also sold cars, the cars he serviced, so he was the expert, he knew about cars intimately!  Still does!  Things have changed dramatically, we now have specialist car sales people, that's all they do, they know a minimal amount about the actual mechanics of the vehicle and their only job is to sell it to you.   Insurance sales people are the same as that.  At the end of the day, their job is to sell a product that "suits" you.  They are in the business of selling and that is how they earn their keep, we have to respect them for that.   I was sold very high contents insurance,  I had it for many years.  I did a lot of research in this space and I guess the thing is, we are paying