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Around 7 years ago I was in a conversation with a colleague around what income you would need to be in a position where you cannot help but save money. That is, not being able to spend it all. This...

There are ways to add structure to mortgages that will allow you to minimize the interest you pay on your borrowing. These ways can be broken into two types:

Confucius — ‘The man whomoves a mountainbegins by carrying away small stones.’