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Better still, use IO for $12Kpa and gain an extra $500pcm. The $550K property could be something that could be CF+ earning you $15,500 after tax. thus paying for the mortgage on your PPOR!!! Your situation has so many ways to turn around into a positive outcome that I am very confident...

Hey slow down everybody, we just got Sunday trading. Don't confuse us with these weird eastern turns of the tounge. :confused:

Agree. Doing all these things will seem as punishment. It's important to reward yourself with something after achieving your goals (just not on credit). From what I've read here's my suggestions: Send all your kids to state schools; Sell your cars and pay out the leaes and buy...