30. 29. Throw all of your change in a jar for ...Wait three days for any major purchase over $100 (or P5000), if you still want it or need it and can afford it, then make the purchase. Refinance a 30 year mortgage for a 15 year mortgage. In most cases, banks usually close mortgage loans more quickly than a mortgage broker does. This is probably because a mortgage broker deals with two types of persons - the lender and the client. Resolving mortgage issues between these two is a time-consuming job.
