Money in the Time of COVID-19

Money in the Time of COVID-19

What official declaration of the COVID-19 pandemic means is front of mind for most of us now. For most of people reading this, it’s the first time we’ve had a pandemic experience. We’re making decisions we’ve never made before. Is it safe to go into work? Should I...
Should I pay down my mortgage or use an offset account?

Should I pay down my mortgage or use an offset account?

Once every six months or so, my husband brings up paying off a chunk of our mortgage in a lump sum and I argue in favour of the offset account. The discussion that ensues is a well-rehearsed dance: Me: “But if we pay off a lump sum, if we need that cash we’ll have to...