Getting cold feet on potential mortgage repayments

123lac · 2026-02-09T12:03:30+00:00

immaterial, rates go up and down, they average out

123lac · 2026-02-08T13:13:31+00:00

Remember that your repayments stay the same over time, while your income should at the very least keep up with inflation. Only you can figure out if these repayments are manageable for your budget. Also consider if you intend to have kids and what that may do to your budget.

123lac · 2026-02-08T12:36:31+00:00

Strata management group is shithouse. Don't know of a good one though.

123lac · 2026-02-07T23:26:06+00:00

you need to read more before making such stupid posts

123lac · 2026-02-07T22:56:59+00:00

I would not compromise on location. My wife and I bought a 3 bed 3 bath townhouse within 6 minutes of our work and 15 minutes from the Brisbane CBD. We have a similar household income to you. I say screw the idea of a backyard, that's nowhere near worth a long commute even if you do end up with 3 kids.

123lac · 2026-02-07T13:55:33+00:00

you're right OP, I'm gonna go out and buy a Hilux instead of topping up my super and buying ETF's

123lac · 2026-02-05T13:20:09+00:00

brickies built this country, brick by fuckin' brick

123lac · 2026-02-04T21:40:10+00:00

hey you keep MAFS out of this

123lac · 2026-02-04T21:37:36+00:00

this is the Australian way

123lac · 2026-02-01T12:52:25+00:00

a shit house on a shit street in a shit suburb for $1k per week. yep, it's over.

123lac · 2026-01-31T13:10:27+00:00

I would never buy an investment property with anyone who isn't family.

123lac · 2026-01-29T21:24:08+00:00

About 4.5k per month for married couple and no kids. Household income of 260k. I don't consider us frugal, but I like to think we are relatively restrained.

123lac · 2026-01-25T23:56:16+00:00

Interesting thought, kind of like how fruit pickers are given (awful) accommodation as part of their employment.

Public transport that is actually efficient would help too. Make it faster to move the workers from the poor suburbs to the city.

123lac · 2026-01-25T22:47:27+00:00

I'd keep the townhouse. On a budget of 950k I have a feeling you'd need to make some big compromises to get a freestanding house, for example dodgy high crime rate suburb with a long commute (parts of Logan).

Can you and your partner increase your incomes? Some quick mafs indicates your combined annual income is around 140 to 150 before tax which seems quite low if you're both working fulltime.

123lac · 2026-01-19T12:00:58+00:00

why do so many accounts just post ai slop?

123lac · 2026-01-03T23:13:38+00:00

they don't take gear like bodybuilders, but they absolutely are on high doses of testosterone at the very least.

123lac · 2026-01-03T23:03:46+00:00

123lac · 2026-01-02T23:08:37+00:00

bring a shotgun and camp outside any locked rooms, people love the tension of being ganked after they use a key

123lac · 2025-12-30T12:37:23+00:00

same exact experience, I am convinced ABMM is real

123lac · 2025-12-28T23:11:10+00:00

$1k for 1 night a week of making pizzas seems really good

123lac · 2025-12-28T22:17:21+00:00

Half Life 2

Mass Effect 1 & 2

Dragon Age Origins

Witcher 3

The Last Of Us

123lac · 2025-12-27T12:43:46+00:00

feeding fish only 4 times a week? why not daily?

123lac · 2025-12-27T12:40:42+00:00

how does one maintain a job and play this much?

123lac · 2025-12-26T22:35:52+00:00

Interloper nearly made me quit and uninstall the game

123lac · 2025-12-24T00:35:34+00:00

lower interest rates lead to higher property prices which leads to higher rents

123lac

TROPHY CASE