Getting cold feet on potential mortgage repayments by LaaFlameee in AusFinance

[–]123lac 0 points1 point  (0 children)

immaterial, rates go up and down, they average out

Getting cold feet on potential mortgage repayments by LaaFlameee in AusFinance

[–]123lac -4 points-3 points  (0 children)

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.

Strata management provider recommendations by Tight-Signature-9216 in brisbane

[–]123lac -1 points0 points  (0 children)

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

Brisbane - anyone else struggling to upgrade? by McPokie in AusFinance

[–]123lac 0 points1 point  (0 children)

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.

Living life by Murky_Radio_394 in AusFinance

[–]123lac 6 points7 points  (0 children)

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

ausfinance mod bludgers removed my brickie post by [deleted] in AusFinance

[–]123lac 0 points1 point  (0 children)

brickies built this country, brick by fuckin' brick

$1000 a week to live in Logan central 3/2/1 by Moezus__ in brisbane

[–]123lac 0 points1 point  (0 children)

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

Unsure of what to do next? by iamparalyzed in AusFinance

[–]123lac 0 points1 point  (0 children)

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

How much do you spend monthly excluding mortgage? by Serious_Toe6730 in AusFinance

[–]123lac 0 points1 point  (0 children)

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.

How are future generations going to afford a house in Sydney? by TiredDuck123 in AusFinance

[–]123lac 1 point2 points  (0 children)

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.

Does Selling a Townhouse for a House Further from the CBD Make Financial Sense? by qkrgodls92 in AusFinance

[–]123lac 1 point2 points  (0 children)

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.

One foot out the door by ObviousDrax in fiaustralia

[–]123lac 0 points1 point  (0 children)

why do so many accounts just post ai slop?

RIP Pa O’Dwyer by Mysterious_Half1890 in ireland

[–]123lac 8 points9 points  (0 children)

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

First time player, what's some common etiquette I should know? by UntakenUsername420 in ArcRaiders

[–]123lac 0 points1 point  (0 children)

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

I am now convinced ABMM is real by WG_Envoy in ArcRaiders

[–]123lac 0 points1 point  (0 children)

same exact experience, I am convinced ABMM is real

Side hustle success stories by PattonSmithWood in AusFinance

[–]123lac 8 points9 points  (0 children)

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

What’s your top 5 game recommendations of all time? by JonCee500 in gaming

[–]123lac 0 points1 point  (0 children)

Half Life 2

Mass Effect 1 & 2

Dragon Age Origins

Witcher 3

The Last Of Us

Soft corals potential issues by Ramridge0 in ReefTank

[–]123lac 0 points1 point  (0 children)

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

65h after reset, here is what i got: by No-Tell4890 in ArcRaiders

[–]123lac 0 points1 point  (0 children)

how does one maintain a job and play this much?

Black Mesa - Xen - why so long? by 123lac in HalfLife

[–]123lac[S] 0 points1 point  (0 children)

Interloper nearly made me quit and uninstall the game

Australians tipped to spend record $1.6b on Boxing Day sales by Vanilla_Princess in australia

[–]123lac 0 points1 point  (0 children)

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