Page 27 - The-Mortgage-Maximiser-Method-by-Thomas-Ilinkovski
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)Gě XOTR ĂNCNEGS RKIJě
'ĞƫŶŐ LJŽƵƌ ĮŶĂŶĐĞƐ ƌŝŐŚƚ ŝƐ ƚŚĞ ĮƌƐƚ ƐƚĞƉ ŝŶ ĂŶLJ ďŽƌƌŽǁŝŶŐ ũŽƵƌŶĞLJ ďĞĐĂƵƐĞ
LJŽƵƌ ůĞŶĚĞƌ ǁŝůů ůŽŽŬ ƚŚƌŽƵŐŚ LJŽƵƌ ƚƌĂŶƐĂĐƟŽŶ ŚŝƐƚŽƌLJ ƚŽ ƐĞĞ ŚŽǁ ŐŽŽĚ LJŽƵƌ
ƐƉĞŶĚŝŶŐ ĐŽŶƚƌŽů ŝƐ͘ ĞŝŶŐ ĂďůĞ ƚŽ ƐŚŽǁ ĐŽŶƐŝƐƚĞŶƚ ĂŶĚ ŐƌŽǁŝŶŐ ƐĂǀŝŶŐƐ ĨŽƌ
LJŽƵƌ ĚĞƉŽƐŝƚ͕ ǁĞůůͲŵĂŝŶƚĂŝŶĞĚ ĐƌĞĚŝƚ ĨĂĐŝůŝƟĞƐ ƉĂŝĚ ŽŶ ƟŵĞ ĂŶĚ ĂĐĐŽƵŶƚƐ
ĨƌĞĞ ĨƌŽŵ ŽǀĞƌĚƌĂǁƐ ǁŝůů ĚĞŵŽŶƐƚƌĂƚĞ LJŽƵƌ ĂďŝůŝƚLJ ƚŽ ŵĂŶĂŐĞ LJŽƵƌ ĨƵƚƵƌĞ
mortgage.
/ƚ͛Ɛ ƵŶĚĞƌƐƚĂŶĚĂďůĞ ƚŚĂƚ ŵŽƐƚ ƉĞŽƉůĞ͛Ɛ ĞLJĞƐ ŐůĂnjĞ ŽǀĞƌ ǁŚĞŶ LJŽƵ ŵĞŶƟŽŶ ƚŚĞ
ǁŽƌĚ ͚ďƵĚŐĞƚ͛͘ ^ŽŵĞ ůŽǀĞ ƚŽ ŚĂǀĞ ĞǀĞƌLJƚŚŝŶŐ ŽƌĚĞƌĞĚ ĂŶĚ ĐĂŶ ĂĐĐŽƵŶƚ ĨŽƌ
ĞǀĞƌLJ ĐĞŶƚ ƚŚĞLJ ĞĂƌŶ ĂŶĚ ƐƉĞŶĚ͕ ĂŶĚ ƚŚĞ ƌĞƐƚ ŽĨ ƵƐ ƐƚƌƵŐŐůĞ ǁŝƚŚ ŝŶǀĞƐƟŶŐ ƚŚĞ
ƟŵĞ ŝŶƚŽ ĐƌĞĂƟŶŐ Ă ďƵĚŐĞƚ͘
Ƶƚ ǁŚĞŶ LJŽƵ ĂƌĞ ůŽŽŬŝŶŐ ƚŽ ďƵLJ Ă ƉƌŽƉĞƌƚLJ͕ LJŽƵ ǁŝůů ďĞ ĨŽƌĐĞĚ ƚŽ ŚŽůĚ Ă
magnifying glass to your incomings and outgoings to prove to your lender
ƚŚĂƚ LJŽƵ ĐĂŶ ƉĂLJ ďĂĐŬ Ă ůŽĂŶ͘ dŚĞƌĞĨŽƌĞ͕ ŝƚ͛Ɛ ŐŽŽĚ ƉƌĂĐƟĐĞ ƚŽ ƐƚĂƌƚ ǁŽƌŬŝŶŐ
ƚŽǁĂƌĚƐ Ă ďƵĚŐĞƚ ĂƐ ƐŽŽŶ ĂƐ LJŽƵ ƚŚŝŶŬ LJŽƵ ŵŝŐŚƚ ůŝŬĞ ƚŽ ƉůĂĐĞ LJŽƵƌ ĨŽŽƚ ŽŶƚŽ
ƚŚĞ ĮƌƐƚ ƌƵŶŐ ŽĨ ƚŚĞ ƉƌŽƉĞƌƚLJ ůĂĚĚĞƌ͘
A great exercise is to bite the bullet and keep track of your spending for a
ŵŽŶƚŚ͘ tƌŝƚĞ ĚŽǁŶ ĞǀĞƌLJƚŚŝŶŐ͕ ŝŶĐůƵĚŝŶŐ ƚŚĞ ƉĂĐŬ ŽĨ ƉĞŶƐ LJŽƵ ďŽƵŐŚƚ ƚŽ ƚŽƉ
ƵƉ ƚŚĞ ŚŽŵĞ ŽĸĐĞ ƐƵƉƉůŝĞƐ ĂŶĚ ƚŚĞ ƐŶĞĂŬLJ ĚŽƵŐŚŶƵƚ LJŽƵ ďŽƵŐŚƚ ŽŶ ŝŵƉƵůƐĞ
ǁŚŝůĞ ĮůůŝŶŐ ƵƉ Ăƚ ƚŚĞ ƐĞƌǀŝĐĞ ƐƚĂƟŽŶ͘
^ĞĞŝŶŐ ƚŚŝƐ Ăůů ŝŶ ŽŶĞ ƉůĂĐĞ ǁŝůů ŵŽƐƚ ůŝŬĞůLJ ŐŝǀĞ LJŽƵ Ă ďŝƚ ŽĨ Ă ƐŚŽĐŬ͘ /ƚ͛Ɛ ŶŽƚ
ŽŌĞŶ ǁĞ ƚĂŬĞ ƐƚŽĐŬ ŽĨ ƚŚĞ ŵĂŶLJ ůŝƩůĞ ĐĂƌĚ ƐǁŝƉĞƐ Žƌ ƚĂƉƐ ǁĞ ŵĂŬĞ ĞǀĞƌLJ ĚĂLJ͘
Ƶƚ ƚŚŝƐ ƉƌŽĐĞƐƐ ǁŝůů ŐŝǀĞ LJŽƵ ŐƌĞĂƚ ĐůĂƌŝƚLJ ĂŶĚ ĐƌĞĂƚĞ ĐůĞĂƌ ƐƚĞƉƐ LJŽƵ ĐĂŶ ƚĂŬĞ
ƚŽ ĐƵƚ ĚŽǁŶ ŽŶ ƵŶŶĞĐĞƐƐĂƌLJ ƐƉĞŶĚŝŶŐ ĞĂƐŝůLJ͘ DĂŬĞ ƐƵƌĞ LJŽƵ ŚŝŐŚůŝŐŚƚ ǁŚŝĐŚ
ĐŽƐƚƐ ĂƌĞ ĮdžĞĚ ĂŶĚ ĐĂŶŶŽƚ ďĞ ĐŚĂŶŐĞĚ͕ ĂŶĚ ǁŚŝĐŚ ŽŶĞƐ LJŽƵ ĐĂŶ ĮŶĚ ǁĂLJƐ
ƚŽ ƌĞĚƵĐĞ͘ zŽƵƌ ŵŽƟǀĂƟŽŶ ŝƐ ƚŚĞŶ ƚŽ ƐĞĞ ŚŽǁ ŵĂŶLJ ŽĨ ƚŚĞ ůĂƩĞƌ LJŽƵ ĐĂŶ
ĞůŝŵŝŶĂƚĞ Žƌ ƌĞĚƵĐĞ͕ ĨƌĞĞŝŶŐ ƵƉ LJŽƵƌ ĐĂƐŚ ƚŽ ĐŚĂŶŶĞů ŝŶƚŽ Ă ĚĞƐŝŐŶĂƚĞĚ ŚŽŵĞ
deposit account.
zŽƵ ĐĂŶ ĚŽǁŶůŽĂĚ Ă ĨƌĞĞ ďƵĚŐĞƚ ƚĞŵƉůĂƚĞ ;ƉůƵƐ ůŽƚƐ ŽĨ ŽƚŚĞƌ ƌĞƐŽƵƌĐĞƐͿ ĨƌŽŵ
ǁǁǁ͘ůŝŵŝƚůĞƐƐůŽĂŶƐ͘ĐŽŵ͘ĂƵͬƌĞƐŽƵƌĐĞƐ.
Once you have completed your month-long analysis and made the necessary
ƐƉĞŶĚŝŶŐ ĐŚĂŶŐĞƐ͕ LJŽƵ ĐĂŶ ŵŝŐƌĂƚĞ ƚŽ Ă ůĞƐƐ ĨŽƌŵĂů ŵĞƚŚŽĚ ŽĨ ŵĂŝŶƚĂŝŶŝŶŐ
LJŽƵƌ ŵŽŶĞLJ ŇŽǁ͘ dŚĞ ũĂƌƐͬďƵĐŬĞƚƐ strategy is a tried and tested method that
ƐĞĞƐ LJŽƵ ĂůůŽĐĂƚĞ Ă ƐĞƚ ƉĞƌĐĞŶƚĂŐĞ ŽĨ LJŽƵƌ ŝŶĐŽŵĞ ŝŶƚŽ ĚŝīĞƌĞŶƚ ĂĐĐŽƵŶƚƐ ƚŽ
ĞŶƐƵƌĞ LJŽƵ ĂƌĞ ĐŽŶƐŝƐƚĞŶƚůLJ ƐĂǀŝŶŐ ŵŽŶĞLJ ĨŽƌ LJŽƵƌ ŚŽƵƐĞ ĚĞƉŽƐŝƚ ƚŚĂƚ ǁŽŶ͛ƚ
ŐĞƚ ƐǁĂůůŽǁĞĚ ƵƉ ďLJ ĂŶ ŝŵƉƌŽŵƉƚƵ ƐŚŽƉƉŝŶŐ ƐƉƌĞĞ͘
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