If you are an Equitus client and aim to acquire a new TV, update the car, renovate or extend the house or holiday off shore, make sure you get some projections from your finance manager so you can see the effect it will have on your lifestyle expenses. Besides, borrowing using your plan structure could subsidize the cost of your expenditure by reducing the interest cost of your borrowings to a minimum. For example if you borrow $10,000 on Principal and Interest and it’s not included in your Equitus plan it could cost you $22,000 in interest over a 25 year term.