Francesca Amber

Hey, before we start the episode, I wanted to share something I am obsessed with, and this is the app Sprive.

This is one of those things that you think, why has nobody ever told me about this before?

Basically, it helps you overpay your mortgage automatically without spending any extra money, and it feels like a game, and I'm fucking obsessed.

Move over, Candy Crush.

I'm playing the Sprive game.

So here's what I do.

I've connected it to my everyday spending.

And so without really noticing, I am overpaying about £50 a month off my mortgage.

Now, just to clarify, this is just for money that I would be spending anyway.

But here's where it gets fucking amazing, right?

It's not just £50 a month, right?

That's basic.

That money goes straight off your mortgage balance right

which means you're not paying all the interest.

It's also tax free.

And over time, the compounded effect is where it gets fucking wild.

So, for example, I have connected just two basic brands, right?

Every week I shop at Tesco and Deliveroo.

And just from my weekly shops at both of those places, I am overpaying £50 a month.

But this is also going to save me thousands in interest and shave not months, but years off of my mortgage.