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Hi Neighbours, have you got a beautiful character home, full of charm and details, but missing the lighting that reflects and enhances these features?
At Shady Lady Lighting we are keen to help, come down and see us at 3 Rutherford St, Lower Hutt.
Shady Lady Lighting are the experts you … View moreHi Neighbours, have you got a beautiful character home, full of charm and details, but missing the lighting that reflects and enhances these features?
At Shady Lady Lighting we are keen to help, come down and see us at 3 Rutherford St, Lower Hutt.
Shady Lady Lighting are the experts you need to see. We would love you to see our showroom, is like a treasure trove, packed with lighting for homes of all types.
We have NZ’s biggest range of Reproduction and Traditional lighting, and as a Neighbourly special we have a Traditional Lighting SALE on.
Sat 16th – Sat 23rd March
Home & Interiors Wellington event will be held 29th - 31st March 2019.
The Home & Interiors event is essential for all homeowners and those looking for inspiration and advice. You will find the best products, solutions, and design ideas with the opportunity to talk one-on-one with the … View moreHome & Interiors Wellington event will be held 29th - 31st March 2019.
The Home & Interiors event is essential for all homeowners and those looking for inspiration and advice. You will find the best products, solutions, and design ideas with the opportunity to talk one-on-one with the experts in their field.
Entry fee $10 - Children under 16 yrs free if accompanied by an adult.
Show dates: 29th - 31st March 2019
Friday - 10am to 6pm
Saturday - 10 am to 5 pm
Sunday - 10 am to 4 pm
New Lower Hutt Events Centre, 30 Laings Rd, Lower Hutt.
We are moving into the second week of the 24 week project to renew the wastewater pipe in Gibbons Street, Upper Hutt.
On 18 March 2019, the Gibbons Street roundabout will continue to be partially closed. This means that traffic heading to SH2 will be diverted via Victoria Street and Pine Avenue, … View moreWe are moving into the second week of the 24 week project to renew the wastewater pipe in Gibbons Street, Upper Hutt.
On 18 March 2019, the Gibbons Street roundabout will continue to be partially closed. This means that traffic heading to SH2 will be diverted via Victoria Street and Pine Avenue, around the north and east side of the roundabout.
All traffic exiting off SH2 into Gibbons Street will be diverted at the roundabout to left-turn only into Riverbank Street and back to Gibbons Street via Pine Avenue and either Victoria Street or McParland Street.
It is also expected that in a couple of weeks some properties in Gibbons Street will be affected regarding property access. We will be in touch with those property owners well before this happens.
Innoxa products have been designed to enhance the beauty of sensitive or troublesome skin without compromising quality or performance. Used in conjunction with the range of specialised skincare, each cosmetic is created to care with Dermatologically Tested, gentle formulas that truly enrich the … View moreInnoxa products have been designed to enhance the beauty of sensitive or troublesome skin without compromising quality or performance. Used in conjunction with the range of specialised skincare, each cosmetic is created to care with Dermatologically Tested, gentle formulas that truly enrich the health of the skin.
What a mess our streets are looking! Because of the Council's weedspraying debacle the weeds are prolific and tall. The street-sweeping machine is noticeable by its absence and the leaves are piling up against the weeds and blocking the gutters and drains. It isn't even autumn yet! … View moreWhat a mess our streets are looking! Because of the Council's weedspraying debacle the weeds are prolific and tall. The street-sweeping machine is noticeable by its absence and the leaves are piling up against the weeds and blocking the gutters and drains. It isn't even autumn yet! Let's hope the council can get its act together and return our streets to their former tidiness!
While the general rule of thumb is to match your repayments to your income frequency, if you want to save on interest or pay your loan off quicker, that might not be the best option.
Here, we take a look at repayment frequency options to help you choose the right repayment frequency for you.
… View moreWhile the general rule of thumb is to match your repayments to your income frequency, if you want to save on interest or pay your loan off quicker, that might not be the best option.
Here, we take a look at repayment frequency options to help you choose the right repayment frequency for you.
WEEKLY
If you get paid weekly, then making your mortgage payments weekly is probably the best option.
By making more frequent payments, you will usually be saving on interest costs, as interest is usually calculated daily on the outstanding balance – so by paying weekly, you are paying down the principal amount faster. It might not seem like a lot, but it does add up…
By making four weekly payments, you will save interest compared to paying once a month. However, it does depend on how your mortgage repayments are structured to be repaid.
If they are structured to be paid weekly, then you probably won’t be making much in the way of interest savings, as that will already be factored into the total interest cost; if, however, your payment schedule is set up as monthly or fortnightly, then making more regular payments should save you interest.
FORTNIGHTLY
If you get paid fortnightly, but have your mortgage repayment frequency set up as monthly, you could then pay half the monthly mortgage payment each fortnight (which will save interest) or the full amount every second fortnight and pay your other bills on the other fortnight.
This may be most beneficial if your other bills are a similar amount to the monthly mortgage payment.
If you do make your payments fortnightly, but your loan schedule is monthly, paying half your required monthly payment each fortnight will provide two benefits – you will save on interest from making more regular payments AND your loan could be paid off quicker, as you will end up making an additional repayment each year (as there are 26 fortnights in a year, which is equal to 13 monthly payments).
MONTHLY
While making one monthly payment may not give you the potential interest savings that more frequent repayments can, it does make sense if you only get paid monthly – because making your payments late will cost you more in interest and fees in the long run.
However, if you do only make your payments monthly, paying a little bit extra each time will help you to reduce your interest costs and your loan term.
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