It would be in your best interest to refinance your home loan right now, making good use of the low interest rates. You would not want to be making high installment payments during an economic slowdown. It is just not sensible to do so.

One of the best way to raise cash is to mortgage your property. It is one of the cheapest and fastest way to secure your credit.

The good thing about working with a mortgage consultant, is that you get to shop for your home loan at a comfortable pace with him or her advising and guiding you along the way. Some more, you know you are going to end up with the best product in the end.

It is never about how much you earn. It is how much you spend relative to how much you earn that matters.

Every Cent Matters.

The money you pay to the bank as interest has zero percent chance of it returning back to you. Save on that and reinvest that on any other things. Now that is lean financial management.