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