Better lifestyle - well not really that, more secure financial future. We are behind the 8 ball here and trying to catch up the best we can. We have lived on the edge and it is not fun. We would like to be able to take the children just on simple holidays to visit family. We want to have financially stable (mortgage paid off, money in the bank) by the time they hit uni age, as that is where we feel they will probably need the greatest level of financial support from us.

Sometimes it is not just a matter of the now, or the next few year, but 15+ years down the track. We always need to keep that future in mind.