The mortgage wars are heating up, ahead of this week’s Reserve Bank interest rate decision. 🏠
 

Lenders are already cutting fixed and variable rates in a bid to attract new customers. 
 

Most economists are predicting the board will cut official interest rates by 0.25 percentage points on Tuesday. 📉
 

I reported on what this could mean for home loan borrowers here.
 

Still on home loans, have you heard about the strategy to use a credit card alongside a mortgage offset account, to get the most out of your cash? 💳
 

It’s essentially using your credit card for expenses, while keeping as much of your money in your offset account as possible, then paying off your card in full each month. 
 

It’s a strategy some people swear by, but does it pay off? 💸
 

Find out more here.
 

There’s a bit of an urban myth that you need to get a credit card history to successfully apply for a home loan. 🤔
 

It might not be the case. Here’s what you need to do instead.
 

Meanwhile, as more Australians purchase new electric vehicles, more are filtering through to the second-hand car market. 🚗
 

Are used electric vehicles worth considering? And will the electric battery last? 🔋
 

You can read the full story here.
 

Would you say the paid work you do is your “dream job”? ✨
 

Research from RMIT University shows while pursuing more meaningful careers often brings personal growth and fulfilment, it can require big sacrifices too. 
 

For some, a job is “just a job” and that’s not necessarily a bad thing. 🤷‍♀️
 

Finally, if you’re a chocophile – watch out. 🍫
 

You might have noticed your favourite snack is already costing you more. 😱
 

Unfortunately, it could eat up more of your budget this year.
 

Until next time, stay sensible 
 

Sensible Emily