You’re not the most practical of personalities, but a sensible approach will get you a lot further than a take it-or-leave-it ultimatum.

Something may be beyond your means now, but don’t give up because you never know when it might be within reach one day.

Pay attention to what’s said. A throwaway remark or passing reference holds the key to unlocking a dilemma.

There are different ways to achieve your objective and two of them are less risky than your current course. It’s not too late to seek an alternative that’s safe rather than sorry.

Keep in mind this simple rule to trade-offs. If they’re not getting you closer to what you want then you’re trading down and not trading up.

When’s the last time you checked in with your lending institution? Give a buzz. You may be pushing the limit.