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FaceLamebook,a diary(not on the net)Or a blog would have been suffice. Is this the place to share your diary without any input as you say? Just saying. Cheers Spades.

Kudos to Fifth on strait forward sensible reply. Your P & I loan with offset that maybe the best approach for someone that doesn't monitor and waste all in goings/outgoings. If you put your pants on,so to speak,you would monitor your spending habits for one,convert your loan to interest only...

Hi Stig ,sorry MickStephens :p , Your loan btw,is that setup as IO only with OS attached or P&I? Cheers Spades.