Download the last 3 months bank statements and then break all expenses into categories (food, car, cafes, clothes etc). Don\u2019t guess, use actual from the previous 3 months. Now go through each line one at a time and see if you can find savings. Look for 5% to 10%. Might not sound much, but it all adds up.
\n\tSet up as many payments on AP as you can, and for all variable amounts (like groceries) take out a set amount of cash each week. Pay yourself and your partner a weekly cash allowance. This should cover coffees, clothes and all personal expenses. This way you never need feel guilty about spending on yourself.
\n\tAnd FREEZE your credit cards in ice. Do not fall victim to the scam of \u2018Reward Points\u2019 on cards. Using these rules, the pressure of the mortgage (usually the biggest single expense line item) then feels surprisingly less<\/p>\n","protected":false},"excerpt":{"rendered":"
Download the last 3 months bank statements and then break all expenses into categories (food, car, cafes, clothes etc). Don\u2019t guess, use actual from the previous 3 months. Now go through each line one at a time and see if you can find savings. Look for 5% to 10%. Might not sound much, but it […]<\/p>\n","protected":false},"author":1116,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"slim_seo":{"title":"Relieve mortgage pressure - colinrealestate","description":"Download the last 3 months bank statements and then break all expenses into categories (food, car, cafes, clothes etc). Don\u2019t guess, use actual from the previou"},"footnotes":""},"categories":[5532],"tags":[5533],"class_list":["post-11","post","type-post","status-publish","format-standard","hentry","category-real-estate-2","tag-real-estate"],"_links":{"self":[{"href":"https:\/\/colinrealestate.blogtown.co.nz\/index.php?rest_route=\/wp\/v2\/posts\/11","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/colinrealestate.blogtown.co.nz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/colinrealestate.blogtown.co.nz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/colinrealestate.blogtown.co.nz\/index.php?rest_route=\/wp\/v2\/users\/1116"}],"replies":[{"embeddable":true,"href":"https:\/\/colinrealestate.blogtown.co.nz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=11"}],"version-history":[{"count":0,"href":"https:\/\/colinrealestate.blogtown.co.nz\/index.php?rest_route=\/wp\/v2\/posts\/11\/revisions"}],"wp:attachment":[{"href":"https:\/\/colinrealestate.blogtown.co.nz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=11"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/colinrealestate.blogtown.co.nz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=11"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/colinrealestate.blogtown.co.nz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=11"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}