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Prisoners get paid to be in prison, up to $70 per week, and they have ALL their living costs paid for. That includes medical costs and they jump ahead of the law abiding battlers on the wait lists too. If it wasnt so serious it would be a joke!

Akex, 1/ Refinance PPOR from a property loan into a LOC with a 80% LVR credit limit. 2/ Close offset account. 3/ Close savings account. 4/ Close cheque book account. 5/ Keep Credit Card. Monthly Cash flow.... 1/ All wages & rents get deposited directly in your ppor LOC by your employer and...

Alex, how are your finances/loans structured? Where does all your income and rents sit before you pay off the nab card each month? Where do your loans get paid from? Maybe able to get your cash flows running more efficient.