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Mortgages & Loans

Imagine This

Imagine if you lost everything you knew, loved and took for granted.

Your friends. Your mum’s trifle. The best coffee in town. A market fresh tomato. Live music on a Sunday afternoon. Shopping for shoes. Fresh seafood.
The ocean…

This is what happened to me.

How We Buried A Life & Dug Up A Dream

Today I’m sharing my rags-to-riches story of how my husband and I buried a debt-filled life and dug up a mortgage-free dream.

I’ll also be talking about an option we didn’t know we had. Credit repair through credit scoring.  Which might have changed everything that happened.
I hope you enjoy the ride. Because this story sure is a keeper…

Read on to see what happened next.
Learn why we wish Credit Simple was an option we wish we knew we had…

We Were Having So Much Fun

So, there we were. Two kids – soulmates – pushing 30.

We were living it up in the city of Melbourne and having so much fun.
We spent our summers in courtyards, sizzling sausages, cracking open beers and swirling wine glasses in the air. We were sharing classic Aussie yarns.
I always enjoyed the banter. The city wit. The fast-talkers.

Winters were cosy intimate evenings in front of the fire. We’d huddle-in-close discussing everything – from the state of the world, to who won the footy, to ‘what’s this new thing‘ – Facebook?’ Has anyone ‘signed up yet?’
We’d dribble on for hours about all kinds of silly things.

But We Were Stressed

During the week, we stressed. We worked like dogs.

We’d be up at the crack of dawn fighting traffic. I’d cycle the Yarra to my job as a temp personal assistant. My boyfriend then (a signwriter) would jump in his tradie van. He’d be gone before the sun rose to hang signs before the parking wardens appeared.

We’d drag our bones back to bed each night – to do it all over again – next week.
Long weekends were camping trips with those infamous drop bears and big lizard things… Aussies always tried to scare me – the kiwi – with those tales.
But, I was onto them!

Living In The Moment

We were all ‘living in the moment.’ We didn’t want to think about getting old.

Getting old meant – marriage, kids, mortgages and feeling unfree. We put ‘old’ into the ‘too-hard basket,’ along with other things we didn’t want to take responsibility for…

A Moment Of Sanity

Then one day I was struck by a moment of sanity.  

I’m not sure what came over me. I think I actually did turn 30 – and I thought I was old. I decided to look into things. I laid our life out on the dining room table and took a good hard look at what we were really doing.
Deep down, we did want to know what our future held.
We wanted the works:
To have an inspired, creative but certain future.


Financial Disaster

What unravelled that month was shocking.

I found we had accumulated a debt of $50,000. We couldn’t believe it either – how it all added up. We were like kangaroos in headlights.

What the?

The debt was a mash-up of the following:
Credit card debt: We had bought stuff we couldn’t afford. Those Saturday trips to Ikea and holidays to visit family in New Zealand all added up.
Personal loans and overdrafts: We’d bought big ticket items such as cars, couches, furniture and electrical goods to set up house together
Business debt: My hubby’s signwriting business was threatened by new digital printing technology. We had supplier bills building up due to  cashflow problems and we weren’t catching up
Tax department debts: We were inexperienced in business and were spending our tax. We also faced closing the business and there was a large cost in closing down operations & factory.
Plus: My husband – was ‘over it’ (and so was I).

Bills, Bills & More Bills

I remember the folder well. It was worn and fat with bills.

Before that day I called this: ‘Filing.’
After that day I called this: ‘Stupidity.’

Our Credit Score Then

Back then we didn’t know our credit score or how to check it.

Our way of finding out was applying for something. If we didn’t get it, we figured, we must have a bad credit rating. We also didn’t know that not getting the credit could make our rating worse.
We both had a few blemishes:
I hadn’t returned a video before leaving NZ for a four-year stint in Japan. Because I hadn’t updated my address with the video store, my credit rating was adversely affected.
The movie wasn’t even worth it!
In his younger years, my hubby had defaulted on a credit card. This blemish affected his rating for more than 10 years
We had both cleared the debts way earlier but our ratings stuck
– like mud.


So. There we were on a treadmill and we didn’t know how to get off.
This was the opposite of ‘compound interest’ This was ‘compound debt.’ The interest on our debt was growing daily.
We realised – we were screwed.

Our Options

At the time we thought we only had three options.
But – you’ll see as this story unfolds  – we actually had four options.
And isn’t hindsight grand?

These were the options we thought we had:

Option 1: Keep Slogging

Continue to work like dogs with all the city distractions and try to pay off the $50,000 debt.

Bad option:
We’d be on that treadmill for years. City life was fun but expensive.  We weren’t earning enough. We realised we’d never get anywhere. We’d thought we’d never buy a house, especially – starting off – this far behind.

Option 2: Bankruptcy

We considered bankruptcy.

Bad option:
Deep down – we did want to grow old together and have a certain future. We couldn’t bare the thought of ruining our prospects of buying our future dream home.

Option 3: Bury Life As We Know It

Go on an adventure. Take a working holiday while paying off the debt.

  • Take the tools out of Richard’s tradie van
  • Build in a double bed
  • Hold a garage sale
  • Downsize our lives into the van
  • Drive across the Nullarbor in 48-degree heat with no air-conditioning
  • Get married on the way
  • Get jobs on the mines
  • And live in a small outback town – 600km from civilisation!

Good option!
Bury life as we know it. Get off the treadmill and go live in the outback with the Emus.
It seemed like a good idea at the time after a few glass of red!

Credit Repair: The Option We Didn’t Know We Had

What we didn’t know then, which would have changed everything that happened, is what a company called Credit Simple just launched in Australia.
They offer a FREE way to get access to your ‘credit score’ and credit record, which would have given us the option of repairing our credit and getting back on track.
Tip: ‘FREE’ is the optimum word here. There are already credit rating companies in Australia but none of them offer this service as FREE. Credit reporting costs approximately $120 AUD for an annual subscription.
Knowing our credit score and getting our report would have:

  1. Helped us deal with the specific issues – those pesky blemishes
  2. Given us the ability to own our data and find a better way – such as consolidating debt through a peer-to-peer lender
  3. Helped us understand where we sat in the credit data pool and figure out the bigger picture
  4. Motivated us to seek professional help including budgeting assistance, tax & business advice while we tracked our progress

Get your FULL CREDIT INFORMATION at Credit Simple
Receive your credit score and and FULL credit information (reports). Discover how your credit score compares by age, gender and community. You’ll also be able to access insights on what it all means, plus get deals based on your credit score – such as credit cards and loans.

We may not have done what we did next…

As a city girl, moving to the outback felt like a death.

I literally felt naked without my comfy city distractions. I was terrified out in those conditions. The heat was harsh, those bush bugs were huge and the snakes were slithering around.

I didn’t want to think about what else was out there!
I felt like we could disappear – in a puff of debt – and no-one would see or notice us gone – for months.
I was so far from home.
But I must say – this sure was peaceful.
The quiet made us look within rather than for external quick fixes – distractions. We got really really good at sitting on a porch, looking at the stars and talking to each other.

Life became – simple.
But boy…did I miss Myer!

Paying Off The Debt

Without our city distractions we could now focus on getting out of debt and fast.

Every day for a year my husband went underground in the mines as a truck driver. He then moved into explosives, which he loved! He was like a little boy on the farm again!
Note: No, we weren’t earning $300k between us. I was earning a standard $60k and hubby’s starting wage as a truck driver was $60k.
Read on to see the takeaway and lessons we learnt from this experience.  

I worked as a personal assistant for a mining manager. I spent my first pregnancy in hard yakka gear, hard hats, steel cap boots and driving utes around the mines.

Yep, that’s me on the right!

I gave birth to my first child Saxon – in Kalgoorlie hospital on a 48- degree day!
That was certainly unforgettable…

Diligent Bill Paying

Over time, our big folder of bills got smaller and smaller.

I stayed focused on the folder. I was obsessed with it. But then, I had nothing else to do but hang with that folder.
After one year – hubby and I gathered on the porch, raised our glasses and celebrated becoming completely debt free.

Lessons We Learnt

This is my biggest takeaway from our outback experience:

It is NOT what incoming you are bringing in. It is what you are NOT SPENDING. 

For us, there were no shops or special deals to be tempted by. We had nothing to spend our money on.
I would go out on a Saturday to buy something (yes, I’m a woman!) and come back with an ice-cream. There was simply nothing to spend our money on out there.

Here are some quick budgeting and get-out-of-debt-tips

  • Pay your bills on time: Automate as much as possible. Make sure you always have the money in your account to match the deductions or you’ll get defaults. Not good for the credit rating!
  • Manage cashflow: Use smart apps that send you daily reports E.g I use PocketSmith (as they have a forecasting feature) or GetPocketBook is also great for daily and weekly reports.
  • Track your credit score: Use Credit Simple FREE credit rating tools and get regular reports sent via email.
  • Put debts in a simple physical folder:  Watch the folder reduce over time. Also put pictures of your dream life in that folder. This is old school but makes a good visual and this really worked for me.
  • Remove distraction & temptation: Hide away in winter and pay off as much debt as you in quieter times of the year. Avoid browsing shops randomly & for no reason. This also works great for weight-loss. Make plans when there’s less social distraction.
  • Set this goal: Aim to become completely debt-free life. Once debt-free only take on good debt.
  • Know the difference between good and bad debt: For example, bad debt is taking a holiday at Christmas on your credit card and paying 16% interest on that holiday for the rest of the year. Good debt is taking out a low-interest mortgage & watching your dollars work for you as your home goes up in value.
  • Don’t let the banks upsell you: Don’ take up offers to pull the equity out of your home, getting personal loans & credit cards
  • Constantly seek better deals and do this regularly
  • Deal with your financial demons – lay them out on the table – take a first step
  • Clean your finances as a habit – like you clean your teeth – slash expenses regularly, rinse and repeat.

As my favourite saying goes:

‘Perfection is when there’s nothing else to take away.’

Here are some lifestyle tips while paying off debt & saving money:

  • Get good at being bored
  • Socialise or holiday at home to avoid the costs of venturing out
  • Have a great conversation under the stars
  • Take up reading finance news, books & blogs while you are sitting in the garden

In short:
There’s a lot of money in living a quiet life for a while – while paying debt, saving and getting ahead.
Less is more. Keep it simple.

Credit Repair

After Kambalda we skedaddled as fast as we could out of town– to Stawell (in the Grampians) in country Victoria

This felt like New York to us!

Stawell – Country Victoria

Here’s exactly what we did to REPAIR OUR CREDIT RATING, and dig up our mortgage-free dream:

  • While this wasn’t ideal – we bought a cheap low risk duplex country property with a low-doc loan using the first home-buyers grant
  • To repair our credit rating we paid all bills and our mortgage off diligently for the next three years, while we renovated out of wages
  • As soon as our credit score improved and our blemishes were gone we switched to a better loan
  • These days we’d do this through a tool like Credit Simple’s Better Deals Finder
  • We continued to live a quiet country life
  • I wrote a book to keep myself busy – I still missed the city
  • We rented out the duplexes and moved back closer to Melbourne on the Mornington Peninsula
  • We rented for a few years while we established new jobs and careers. Renting helped build up a positive credit rating too – so we looked good to the banks.
  • Richard used contacts to establish a simple painting business servicing millionaire homes & I moved into blogging and web design.
  • We used the equity from our country property and saved a deposit to buy a new home

The Goal: Mortgage Free

The town we were living in (Mornington) was overpriced. We didn’t want to pay that much and experience mortgage stress.
We looked at over 35 houses before making the decision to move elsewhere.

  • We purchased a house in a more affordable neighbouring town (Frankston).
  • This was Melbourne’s last affordable beachside suburb
  • It still had a rough stigma – but only to locals – but not to new out-of-town investors

We bought a place ‘with options:’

  • Subdividable (on a double block)
  • Had good bones (it was huge inside) but older
  • The mortgage was ‘in our means’ at only $370,000
  • We bought near facilities including supermarkets and transport to the city
  • The home is a 2-min drive to the beach
  • In the high school zone of one of Melbourne’s best state schools
  • In a tourist area and at the gateway to Melbourne’s playground for the rich – The Peninsula.

Here’s what we didn’t do

  • We didn’t care what our friends and people thought of us
  • Some people looked down their noses at us for what they thought was a ‘poor decision’ and a ‘low class’ area
  • We didn’t try to ‘keep up with the Joneses’ by buying flashy things
  • We never paid full price for anything and lived on Gumtree for four years
  • We never took up offers for the bank to rip the equity out of our home
  • We didn’t sell our property when other people in houses around us were getting offers

What we did do:

  • We saved $50,000 in total on our renovation (I wanted to recoup every cent we’d lost in the outback!)
  • We spent four years working like dogs in our businesses while paying for our renovation through our wages
  • We stayed patient and waited for bargains to appear
  • Looked for the ‘potential’ in everything
  • We were willing to inconvenience ourselves. For example, we drove 40 minutes to Melbourne to spend a Saturday ripping blinds out of a luxury mansion to save $5000. Worth it!
  • We studied home design, room planning and every DIY aspect of home renovation

We went with our gut feeling – always


In total, we’ve saved more money on our renovation than we’ve spent.

We saved a total of $50,000 and spent $40,000 over four years to complete our home renovation and convert our home into a hot prospect for buyers.

Our Happy Ending

Recently I laid our financial life out on the dining room table.

The results have been shocking & exciting. We realised we’ve accumulated a small fortune.

We couldn’t believe it either – how it all added up! We were like hopping mad & happy Kangaroos this time. 
Option 1:
Keep the house and watch it continue to go up in value.
Get permits to develop our property further based on the ‘options’ I spoke about earlier. These options will essentially pay for our current mortgage, a new mortgage and give us change.
More on this option as it rolls out 🙂

Option 2:
Sell to the developers knocking on our door.

  • Take the latest developer offer of $1.1 million
  • Pay the mortgage out and skedaddle off with approximately $750,000
  • Buy a new property for cash in the latest part of town showing ‘potential’
  • Become mortgage free and say goodbye to the banks – forever

Option 3:
Sell the house. Put the money in the bank. And go on another adventure. Book the family into a resort in Fiji while we hang by ocean, eat fresh seafood while we think about everything.

Check Your Credit Score Today

As a couple, our average credit rating is now is 989. While our score isn’t completely perfect yet – we’ve come a long way.
Our goal for 2017 is to achieve a perfect credit score and become UNICORNS.
Note: Credit Simple give the term ‘Unicorn’ to people who’ve achieved a perfect score. 
Here’s what Credit Simple can do for you:

  • Find out how you can make your credit score work harder for you
  • Get targeted offers and insights based on your profile.
  • Tools and tips to help you understand your score and take the next step towards financial freedom.
  • Credit file monitoring with periodic email alerts when certain changes occur on your credit file.

Dig Up A Dream Today

Thanks for taking the time to read our story.
If you ever decide to bury a debt-filled life Give yourself some credit and dig up a simple dream.


Be sure to take advantage of the 30,000 saving tips here in the Savings Room – and start getting out of debt and building wealth today.

Not sure where to start your debt-free journey?

Start by checking your credit score at Credit Simple and then checkout this great resource: How to drastically reduce your grocery bill

Read our story at News.com.au

Note: This post is sponsored. The Savings Room and Credit Simple have collaborated to show Australians how they can repair their credit and receive their full credit reports for FREE.
While this post is sponsored, I personally endorse Credit Simple. I believe that obtaining full credit information is a vital step in the get-out-of-debt process and for future-proofing your finances.  I think it’s valuable that this service is FREE for consumers. Penina

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If you love The Block TV show featuring in Australia, you’ll love this post! Read on to discover some quick tips on how to find a builder fast in your area. You can dream big here…
All around our traditional home, townhouses are starting to appear. I even received a cute little letter in the mail from a developer who basically told us to ‘name our price’ for our 900+ square block overlooking a park. Of course, we went crazy and asked for a ridiculously high price.
The developer didn’t actually laugh at it and went away to crunch numbers. Eventually our price wasn’t accepted and then we started questioning this anyway.
There’s a reason these developers are keen on our property, and that’s because we’re five minutes from the beach and a two minute walk from a train station that will take us to Melbourne’s CBD. On top of that our place is surrounded by awesome facilities like hospitals, swimming pools and skate parks.
Yes. If the block you are looking for is in demand, be sure to buy at the right time. Check out some more renovation tips here.
Also, their offer wasn’t that good because it turned out that they would pay us our money after two years (they need to get permits etc. to know if the project is viable) and we figured our house would be worth that high price in the future anyway.
We decided not to sell because we’ve also got plans that are worth more than selling right now. The real estate game is fun like that and I did like that little letter in my post box – so this was a good experience overall.
Watching The Block this season? Enjoy!

Back to the drawing board

So now we’re back to the depressing (yet lucrative) little home renovation we’ve been living in for the past three years. We’re besties with the bank manager (I’ve got him on speed dial) who we are constantly hounding for money and we are getting closer to the line with our project.
I can tell you that finishing this thing will add years to me and I’ll probably cry from the happiness of it all ending. I won’t even be sad walking out of it – the emotion about this place left me years ago. I picture myself walking off the block that’s been my home in a pink fit of happiness. Sad but true.

Now I’ve got designs on my garden

But now like many people who enjoy renovating and a good project, hubby and I have been standing on the back porch eyeing up our garden (a nice 450sqm patch) that would be perfect for a new build. We’re picturing a nice double story townhouse overlooking the park, which we can build there and that would potentially add heaps of equity to our property or, if we sold it, would essentially make us mortgage free.
Now that’s something worth deliberating over on the porch!

I’ve been researching and crunching the numbers

Subdividing is an awesome way to pay down a mortgage – as long as you get the right builder and the right price.
So I’ve been crunching the numbers to see if this is worth it.
The steps for building on the block seem pretty simple to me:

  1. Find a reputable building company who builds houses in my area
  2. Find a new home plan for a good price that suits our needs
  3. Go through the process of getting permits
  4. Ask the bank manager for money using equity in the home we’re living in at the front of our property
  5. Hire the builder and get the job done
  6. Live in the property or rent it out (Here’s a great article on how to reduce or avoid capital gains)
  7. Sit on the property for a while and then sell it during property boom time

Now, while researching all of the above I was actually shocked at how good the prices are for buying new properties for putting them on the block of your choosing. I found a great new site call iBuildNew, which makes it super easy to tick off point one (quickly find a reputable builder in my area) and find a great affordable home and plan for above. And best of all it’s free to search.
So after visiting this site I found a home and plan in less than 2 minutes!

Love The Block? How to find the right builder super fast

jarmoluk / Pixabay

Here’s how I found a builder super fast

I made the following selections on their site to choose a house for the block I live on:

  1. Location (Peninsula)
  2. Number of bedrooms (4)
  3. Bathrooms (2)
  4. Living spaces (1)
  5. Car spaces (nil)
  6. Stories (2) – We want a nice view of the park
  7. Alfresco – No
  8. Price – Didn’t want to pay much so moved the slider to $250K – just to see if it would work
  9. Punched in my min block width, length and house size

This site makes picking a home for the block you propose a cinch. 

And the results for the block we live on were very good

This search instantly delivered two options in my area for the above and the builder who can get that done for us.
They have a ‘digital display village’ which allows you access to thousands of home designs and builders, and means that you can compare the options side by side.
The two options I found cost just $243,400 and $247,400! Frankly, I couldn’t believe I could get a double story home of this size for this price.
Note: When I clicked ‘Is Dual Occupation’ in the options however I found that these options weren’t available for my area (I live in a regional area but would be available in many other areas). But this is time saving – because this taught me there are builders in my region who specialise in Dual Occupation builds, whom I now need to investigate.
However, the results have really got my little brain ticking now. I’m thinking there are other options like:

  1. Pick up some cheap land in my area and build a house. It beats renovating and is far cheaper than buying a newly renovated older house.
  2. If land is scarce, buy a derelict house and knock it down to get the land, then do the above.

If you do plan to do this, you can actually still find the home and builder first using iBuildNew. New home building companies have specs on the types of blocks and land they can build on. Also, because they are independent, you know you’ll get unbiased information.
For now I’m happy with the results I got from iBuildNew mainly because I didn’t realise how fast and easy the process could be, and how reasonable new house build prices are.
The Block 2016 season has started. Be sure to check it out!

Visualising now

So when I’m having a cuppa looking out into my backyard and dreaming of escaping mortgage hell – I’ve now got a vision of exactly what that can look like. This is very powerful because I am a visual person and I have pictures stuck up all over my house of all the dreams and goals I’m aiming at.

Here’s a visual of the nice house I found for us for under $250K – this is the block I want!

I’m putting this above on the glass window of our sliding door that overlooks the garden to keep that vision in front of me.
Final note: If you are considering what they call ‘A Dual Occupancy’ dwelling here’s a great article that explains that.
Are you loving The Block 2016?

My final thoughts

I’m into anything that saves me from building, renovation or mortgage hell. Frankly, practical tools like this are a godsend in terms of taking the stress and hassle out of executing large projects. Us mums have better things to do than trudge around display villages all day with kids in tow. What a time saver!
If you are watching The Block. Be sure to leave some comments on our Facebook page. We’d love to hear your thoughts of this season’s show.

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In the world of finance and banking, smaller is becoming better. As the number of high-net-worth individuals ever increases, so does their need for customised financial solutions. Sure, you could open an account with a huge traditional bank, but they will probably sell you their other products even if you don’t need them. Your financial needs are unique; why settle for a one-size-fits-all bank?
Boutique financial institutions offer a personal banking alternative. Offering more than the usual services, these institutions can provide insights that you won’t get from retail banks. One such boutique financial services provider, is Auckland-based Vivier & Co, who has been expanding its varied product and service offerings internationally.

Go beyond traditional banking

FirmBee / Pixabay

More flexible, more personal

In contrast to the usual high street banks, boutique financial institutions are smaller, more flexible, and more focused, offering services different to traditional banking solutins. You will find that you receive a more personal level of customer contact as well as above-average deposit rates.
A boutique financial institution retains staff who are incentivised to deliver an investment solution efficiently and effectively. More and more, boutique financial institutions are being chosen by clients because of the high levels of skill they provide. At Vivier & Co, clients’ accounts are managed by a team with a wealth of experience in many sectors, assuring that their finances are handled expertly.
Boutique financial institutions also value their relationship with you, because you’re not just one out of their millions of their banking customers. They develop a deep understanding of your financial goals. They’ll listen to you to find out your particular needs, so you can work together to make the best financial decisions, something that’s hard to get with a retail bank.

Go beyond traditional banking

martaposemuckel / Pixabay

A tradition of exceptional service

Vivier & Co was founded in 2001 with the aim to provide an exceptional service to its clients. More recently, the institution’s financial team found a way to obtain secure, higher yielding investments. So it used the company’s good reputation, New Zealand’s heritage and efficient cost base to offer an even better service to clients: above average deposit rates, coupled with security.
Other services Vivier & Co offer include:

  • Security and confidentiality
  • No market risk volatility
  • No exchange control restrictions
  • Allowing capital to be freely moved without formality
  • Plus all the advantages of offshore accounts

Holding assets offshore may have some tax planning advantages, including inheritance tax benefits for clients with certain domiciles.
From its origins in New Zealand, Vivier & Co now has a banking presence on virtually every continent. The company was primarily focused first on the English-speaking markets, but have started to evolve from that. As part of its plans to expand further internationally, it is now considering several cities in Asia and South America so as to add to their global reach.
Banking solutions have changed and there are many different options now. 

Think outside the square when it comes to banking

For individuals and businesses looking to establish an international presence, the services offered by Vivier & Co can pave the way. When clients try to open international accounts with larger retail banks, they usually run into endless processes. With Vivier & Co, it becomes much easier and more streamlined due to the international scope of the firm.
Individuals can open a savings account with Vivier & Co in major currencies, ranging from the Australian Dollar to the Japanese Yen, and enjoy above average interest rates. Individuals can also open current accounts, which can provide them with flexibility and access to funds. These accounts are accessible from anywhere in the world, both online and through Visa debit cards, so customers can do their banking in many locations.

What kind of banking is possible?

Businesses can take advantage of a complete financial package: savings accounts, current accounts, debit cards, online banking, international money transfers, and other services. These services include escrow accounts, which can help guarantee safety for important deals.
While businesses can enjoy all the benefits of an individual account, they get even more advantages: there are fewer formalities involved, business transactions are performed with more discretion, and your business can benefit from the economic stability of New Zealand.

Should you get an account with Vivier & Co?

If you have needs that aren’t being addressed by your current traditional bank, Vivier & Co may give you the solution you’re looking for. By building a strong business and personal relationship with you, they aim to be your advisor on financial issues, understanding your objectives and working with you towards your goals. To ensure satisfaction, they protect your capital and provide positive performance over the long-term.
To get started with a boutique financial institution that values transparency, customer service, and strong relationships, visit Vivier & Co’s website at Vivierco.com
By Luigi Wewege | February 22, 2016

Love banking tips? Grab more right here in the Savings Room. 

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