Missed payments aren’t always about low income; they’re often about bad timing. We dive into the practical steps that keep your credit score clean and your home loan humming, even when payroll runs late or a provider insists on debiting the 20th of every month. Drawing on real client stories, we show how a one-day buffer after payday, a dedicated bills account, and a simple budget can prevent bounced debits and protect your borrowing power.We break down why modern credit reports are far more detailed than they were a decade ago and how banks use them to read your payment patterns through the lens of the Five Cs of credit. That means your power bill, phone plan, and insurance history can become silent referees when you’re refinancing or buying your next place. Instead of scrambling when a lender asks for three to six months of clean conduct, build that track record now with small, repeatable habits that create reliability on paper and in practice.You’ll learn how to align weekly or fortnightly income with monthly bills through drip-feeding into a bills-only account, the advantages of joint accounts for shared households with mixed pay cycles, and when an offset account can quietly reduce the interest on your mortgage. We keep the system simple enough to maintain and strong enough to withstand real-life hiccups—from variable payrolls to inflexible direct debit dates—so you can feel confident your money will do the heavy lifting.If you found this helpful, follow the show, share it with a friend who’s planning a refinance, and leave a quick review so more Kiwis can build smarter payment systems. Got a question about your setup? Send it through and we’ll help you make your money work for you.Send us a text Support the showBuy your first home in NZ Weekly Webinars You thought it's not possible or the dream is too far away? Come to my webinar and I will show you, you are much closer to your dream, than you think you are! Join Here - https://bit.ly/4m9SL72

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