1) Use flexible home loan to finance your house, the loan must be realy flexible that it allow :-
- daily compound interest
- can bank in money anytime, anyday.
- can withdraw money (by ATM machine) anytime, any day without letter or notice to bank
- the bank's location must be near your house or work place, so that you can bank-in your monthly pay cheque in your home loan account every month,keep the money in home loan account to reduce interest, draw it tro ATM only when you need it to spend or used as petty cash .
2) Use credit card to purchase the necessity, only go to supermarket that offer lowest price, and at the same time allow you to spend on credit card without extra charges. This allow you to keep the cash in home loan account for extra 1 month or at least 21 days which can reduce your housing loan interest.
BUT you must be discipline enough to settle your credit card bill on due date. Never let your credit card bill overdue.
The above 2 ways can save you a lot on interest expenses, it can be a significant amount for 20-30 years housing loan period.