After Mutilating our mortgage and digging into huge arrays of products, tips and tricks I’ve amassed a giant array of knowledge on some of the best things and ways to save money over the years. Many people ask me in emails which companies or products I suggest/like so here they are for quick easy reference and all in one place.
These are the services that I highly recommend using and have been researched and used by me personally so feel free to check them out yourself. Some of these companies offer commissions for online referrals, others don’t. This doesn’t affect my choice, but where available, I’ve used a link so that this site will get a credit if you end up becoming a customer. In most cases you will also get a bonus too if you use those links. It’s a fantastic – and fully optional – way to help and support this site if you choose to.
uno Home Loans is one of our most recommended site partners. If you’re looking at switching banks, getting a better rate, saving money and also want to support this site it’s a fantastic way to do it! You can save literally tens of thousands of dollars off your mortgage just by clicking the banner above and getting started!
BONUS! – If you refinance your mortgage through uno Home Loans using the above link and email us the confirmation letter (admin @ mutilatethemortgage.com) we will give you free access to the How To Pay Off Your Mortgage Early course for life!
uno is an online mortgage brokerage service. Using uno means you don’t have to share all your personal information with another person as the whole process is essentially done all online now. There are some documents that need to be signed by the lender later on in the process, but for the most part it’s all online.
Thus, there’s a lot fewer feelings of being uncomfortable. They do obviously still have experts you can talk to at any time – even on the weekend! – plus are also working on making the entire process end-to-end all online eventually.
uno is also a rather unique mortgage broker service and is one of our partners for this site for a good reason! When using a regular broker – even though most of them are great and they make the process easier – it still doesn’t guarantee the best financial outcome for you. Generally a typical broker will only present you with a couple of options at best which means without doing a bunch of work comparing the market yourself there’s no way of knowing if you’re getting the best deal.
As an interesting statistic, 75% of traditional broker originated loans go to 3 big banks! By contrast 75% of uno originated loans are split between 12 lenders. This gives you an idea of how much more choice uno gives its clients over your normal run of the mill brokers.
uno has an engine with literally 10s of thousands of lender rules in it. The more data you enter in, the more accurate the results it provides are. This is especially important not just so it can suggest a loan at a good rate, but because it means you have a better chance of finding a loan you will actually get approved for.
If you use a more traditional broker that doesn’t take this into account you may end up applying for and being rejected from a loan. This then puts a bad mark on your credit file and you’ll then need to explain yourself out of a bad situation when you eventually apply for another loan – not to mention time costs.
So as you can see, uno not only gives you a bigger choice resulting in more savings but also allows you to sidestep the issue of discussing your finances as their computer systems do the work, not people. Going through their services is essentially a no-brainer as you can save thousands and thousands of dollars simply by getting a better rate. Then you can get back to focussing on upping your savings rate.
DreamHost is what I use to host and manage all of my online projects. Their service and prices are fantastic and you can get powerful, fast web hosting with SSDs and WordPress automatically integrated just by clicking the banner above.
One of the best things I’ve ever done is sign up to DreamHost and build my own websites, blogs and more. As such the best recommendation I have is to get a hosting plan so you can buy domains, build websites and monetise them. This will allow you access to an amazingly easy, fast and cheap way to learn, build up your skills and earn extra side income.
Due to the nature of online businesses and infrastructure doing all this is incredibly cheap too! You can start your own business today for about $100. If you’d prefer to just simply write and get your work out there DreamHost have other cheaper plans that require less technical knowledge too. So get started today!
UBER is a great way to help save on transportation expenses or get to the airport cheaply. You can get a free $5 credit towards your first ride just by clicking the banner above.
One of the best ways to do this is to get rid of your second car, sign up to Uber and then enjoy the savings. This works with those of you that only use your second car very infrequently – if at all! We found that our second car was sitting in the driveway 99.9% of the time wasting huge amounts of money. Rego was $800, insurance was $600, car services were a good $500 and then there was the general hassle of making sure it was taken care of etc etc.
Assuming you do trips that are around 10 km’s (~$20), for the same price of all those costs above (almost $2,000 a year!) you can ditch the second car and take almost 100 trips each year and still be spending the same amount. That’s a return trip 10 km’s away each week or so.
If you use your second car less than this you can ditch it and pocket the savings like we have!
SkillShare is a fantastic place to learn any number of things for increasing your abilities and income so you can then pump it back into your mortgage or other life ventures. You can get 2 full months of their Premium Skillshare service for free just by clicking on the banner above.
If you’re not 100% sure how to go about building your own website or doing many other things like mastering Photoshop, setting up email campaigns, learning a new programming language or even painting Skillshare has got your covered.
You can pick and choose your classes, learn on the go with iPhone and Android apps plus you get unlimited access to over 18,000 classes.
It’s fantastic for connecting with peers, learning new abilities to use on your hobbies and side projects as well as making sure you stay at the top of your game for work. With the below link so check it out!
More excellent reading
Below is a list of websites that have given me great information and are well worth a read if you have some time. None of them are about how to pay off your mortgage quickly, but many have very solid foundational material that can be applied to any debts as well as the pursuit of saving for financial independence.
Jenman – Promoting ethics & protecting people
An Australian site dedicated to warning property buyers (especially FHB’s) and sellers about the typical real estate industry treatment of both clients and staff. With decades worth of high profile and national experience as an agent Neil Jenman knows all the tricks and gives out plenty of warnings for those that are looking to learn.
Who Crashed The Economy
An Australian based blog detailing the shambles that is the current Australian economy and how, most recently, this has heavily been due to the Australian Housing Bubble.
Early Retirement Extreme
One of the first, modern financial independence blogs, ERE has spawned its own worldwide following and is a shining beacon for sustainability, anti-consumerism and green living. It also promises (and delivers) on the tantalising prospect of becoming retired in 5 years. I cannot recommend it enough.
Mr. Money Mustache | Early Retirement through Badassity
A blog that took over where ERE left off, MMM details a slightly less extreme approach to retiring early. MMM is a swear typing punch-in-the-face pulling family man that is one part engineer, one part carpenter and (obviously) one part badass.
I Will Teach You To Be Rich
Originally focussing on budgeting and money handling skills, IWTYTBR now has many ongoing courses and loads of fantastic material on how to be more productive, live a better life, get the things you want done, finding your dream job and how psychology effects every part of your life. His material is rigorously tested with thousands of people and is very insightful.
Renewable Wealth | Financial Independence and Sustainable Living
A high profile, six figure income lawyer that “had it all” eventually realised that he had nothing. Quitting his job overnight, throwing his BlackBerry off the Golden Gate Bridgeand turning frugal he’s turned around his life now and writes about what it truly means to live a rich life (as well as how to build your net worth).
JLCOLLINSNH – Business – Life – Money
A properly experienced man uses his vast knowledge and history to help you plan for and do better than most when retiring and investing.
Budgets are $exy. – A personal finance blog that won’t put you to sleep
Budgets are sexy has been featured on many a famous site and definitely has a fantastic upbeat way of writing that won’t put you to sleep. Slowly building up his net worth J is a great source of many other types of free budgets you can easily download and adapt to your own situation.
Retired Before Dad
RBD is a investment and money growing site that has some great resources and pieces on how to do this properly. Being around for quite a while there’s a wealth of information and knowledge available for all the different routes of investment.
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