I've noticed this too—bundling can be a sneaky little game sometimes. A couple years back when refinancing, the bank offered me a "special" bundled de...

Haha, reading this reminded me of when I bought my first place. Thought I was being super savvy going variable, but ended up obsessively refreshing fi...

Refinancing for debt consolidation can be a mixed bag, honestly. I've seen it go both ways: - Friend A refinanced, got disciplined, and used the free...

• Yep, seen this loads—some lenders really go full Sherlock Holmes on your Netflix subscription, while others wave through a £200 night out without bl...

Haha, totally get the appeal of boring mortgages—nothing like a good night's sleep without worrying about rates creeping up on you. I've seen ARMs wor...

Honestly, I get the hesitation—switching payment schedules can feel like just another chore. But from experience: - It's a bit awkward at first (had ...

Good points—life has a funny way of laughing at our "perfect" plans. I've seen clients try the estate-planning-meets-HELOC approach, and honestly, it ...

Haha, freelancing and mortgages—name a more stressful duo. A few quick tips from someone who's seen this circus a few times: - Keep your accountant o...