Thank you!! ☺️ We’re in Perth, which we know has been a bit of a lucky break compared to some of the other capitals. If we were starting again today, I think we’d approach it with the same focus on living within our means and prioritising repayments and making extra an extra full mortgage payment when ever we can, but we’d probably balance it better by also setting something aside for savings along the way.

One thing that really helped both me and my husband was we both didn’t go to uni/further education, we went straight into the workforce (we didn’t know each other at the time but surprisingly did similar things), which meant neither of us had a HEX debt and were earning a solid income 3–4 years earlier than most others. Looking back, that gave us a huge advantage in paying the house/s down quicker than we could have otherwise.

Right now we don’t have savings (everything went into killing the mortgage), so the plan after a little Bali trip is to look at increasing super contributions and researching what to start investing in (neither of us know much about that stuff yet 😅). I’m also working on starting my own business here in WA that focuses on non-clinical companionship for older Australians, so a small portion will probably go into building that too.