Reaching a Balance

In Chapter 4 we look at  the needs v effort theory that helps make financial advancement very straight forward.  Simply put, imagine working one more shift or day per week.  It is easy to think "oh that is not worth the effort/inconvenience".  Broadly speaking that shift (say, $250 a week) can have a significant impact on the budget, that is:

1.  Bring the purchase of land/house/home forward by $13,000 a year. 
2. Assist making the mortgage repayments more manageable.
3.  It possibly would mean getting into the market a year earlier, saving on "dead" rental money, reducing mortgage payments even further.
4.  As well as most likely short circuiting an impending house price increase that would be likely the longer the loan for the house is stalled off.

There was a saying long ago "pennies make pounds".