The Fixed vs Variable Debate

The never-ending question.  Honestly, this question divides more people than a discussion on cats vs dogs, NRL vs AFL, Monte Carlos vs Kingstons and Summer Bay vs Ramsay Street combined. Is one better than the other? Don’t forget we are talking about debt here, so in my opinion they are both shit – much like

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The Reverse Loyalty Program

You are loaded with loyalty points. Not Qantas or Velocity or Flybuys, but a secret loyalty program bigger than all of the others combined. Seriously, your accumulated points over the last couple of years could have paid for an all expenses holiday to Bali for that cultural experience of a lifetime where you go to another country

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