03/11/2026
I hear you. You’ve already probably done some of these with previous rate rises.
But it’s still worth mentioning:
1. Look for savings in your weekly/monthly spendings.
👉 I’m not saying in your budget, it’s probably already tight. Check your credit card, your apple subscriptions… there are many times I’ve had an app not cancel and I’ve still been paying.
2. Look at your insurances. Have you shopped around lately? Sometimes we are simply overpaying when our annual premiums roll over and they bump your cover up.
👉 call up your current provider and ask for a discount. Shop around and see what other options are around. And remember to always check any waiting periods if you do make a switch.
3. Check your offsets are linked.
👉 ideally, savings & spendings are all ‘offset accounts’. Any money in these accounts is being optimised. If you have large sums not in an offset, it’s prob time to look at structure.
4. Look at your loans as a whole. Cars, credit cards. BNPL, personal and home loans.
👉 a $9.90 monthly fee on a 28.99% credit card is worth your attention. It could be time for a debt consolidation chat, remembering that you don’t have to put it on your home loan over 30yrs. We can do it over a couple of years.
5. Remember you aren’t alone. Over 3Mil Aussies have home loans. Everyone’s feeling the pinch.
And if you want a no pressure, no obligation chat to see what options might work for you, please reach out 🤍
📮 Send this to your friends & family who might need a little help or support right now
