in your best interests
The tip below is a real tip. The person that wrote this was serious!...
If your idea of a good time is freezing your bits off in the shower each morning then go for it! More power to you. Why not really go for it and bathe in the local river? You'll save loads!..
Sorry - being super 'frugal' (read 'tight') will save you a few dollars over time, but who wants to put themselves through this misery when there are far more effective, and less painful, ways to achieve much better results.
Do you know why the 'saving a little' by 'doing without' never works long term? It's something called will power. No one has it...If I tell you you can save $18,000 over 10 years by going without a flat white every day how long could you manage that for? If you're anything like most Wellingtonians you'll maybe last until tomorrow...The chances of you doing this for 10 years? Zip. Zero. Zilch...
So how do you make big savings without the pain?
Simple - you target the right areas. Over to Ramit Sethi to explain how you achieve this.
Making the maximum savings requires a focus on the big wins, not the piddly little amounts that you spend every other day. Go for the big companies, and the ones that can afford to discount their services (which they are probably over charging you for!)
Follow the steps outlined in Ramit's video, and you will start saving in no time. And you can still have that coffee each morning!
For tips and ideas on how you can save on your mortgage contact Brian here.
To read Ramit's blog post (which inspired this post) please click here
Brian MacLean looks into tips, ideas and strategies you can use to get ahead financially..