@amy.coul: Unfortunately, nobody hands you a manual when you become a first home buyer 🏡🤍 Three rate rises in six months and we had to figure out pretty quickly how to actually get ahead on this loan. We’re using our offset account, a credit card strategy and micropayments into our redraw 💌 But that’s what’s working for us, let me know what’s working for you 💸
If only people understood Offset account with a credit card is amazing. It don’t sound like a lot but at 6% interest you can save 16c per day for every $1000 sitting on your credit card interest free whilst the cash sits in your offset account
2026-06-01 07:04:00
42
user975892 :
can you explain the credit card situation a bit clearer?
2026-06-02 01:30:43
17
mediumsizebucket :
People like you making videos like this is crucial to educating the younger generations on how to not get completely taken advantage of by banks.
2026-06-02 11:31:15
12
Brodielkelly :
Making my first ever mortgage payment this Friday & genuinely needed to hear this! Thank youuuuu
2026-06-14 22:08:33
1
Dominus :
When you say micro payments do you mean it going into the Redraw account?
2026-06-01 11:18:19
7
… :
Do u have an excel to track the micropayments?
2026-06-02 04:01:08
0
Gee Conrad :
Can you please explain why people don’t lock in fixed terms in Aus? I don’t know anybody in NZ that doesn’t lock it in or locks at least a certain percentage and has the rest on a variable
2026-06-02 06:01:53
1
gabrielle_dbw :
Loved this video, please do more!❤️
2026-06-02 07:32:45
1
Imhere :
Yess the interest rate hikes are crazy but little savings payments make the difference
2026-06-01 08:42:11
0
jacix🌙 :
What is a redraw account? How do you make the micro repayments?
2026-06-01 18:27:41
0
Jess| content creator & UGC :
What excel spreadsheet do you use to calculate the mortgage repayment?
2026-06-02 12:10:26
1
emilyandy2webb :
I’m building whilst paying rent and paying the new mortgage… it’s rough out here 😅
2026-06-02 09:21:19
2
Dani :
do you have a template of your repayment tracker?
2026-06-01 08:06:00
0
Jaz :
If we pay extra each week to our mortgage and have an offset does that do the same as a micro payment or should we be adding that micro payment on top too?
We also do the credit card as well :)
2026-06-03 10:30:28
1
Jemma Conlon :
How do you calculate the savings from micro payments?
2026-06-02 01:56:29
0
RachelKathline :
which cc do you use?
2026-06-02 00:17:11
0
_chonnie_ :
Does this concept work if you only have a redraw?
2026-06-15 12:41:29
0
H ✨ :
Also get a rewards card, I change mine annually to get the bonus points offered and usually reduced annual fee.
2026-06-02 00:50:53
0
hazelnut96 :
Can you go over micro payments? Do you mean you pay $20 a day?
2026-06-01 21:04:44
0
To see more videos from user @amy.coul, please go to the Tikwm
homepage.