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If you're good with money you could use a credit card with rewards points for all your everyday expenses - and then clear it once a month from the money in your offset. The benefits are twofold. You reduce your monthly interest a little and also earn points on your credit card. A lot of...

Park all income in the offset - you can move funds in and out of it without any implications. It's when you put extra funds into the principal and redraw that you can run into troubles. Cheers Jamie