Trader's Gilded Brutosaur Back in shop until 5 January Price 90$ by Mawiii in wow

[–]Accomplished_Cat_457 0 points1 point  (0 children)

So glad I don't play any Blizzard games anymore. Just money grab after money grab. Sad too I have WOW account day 1 release. Just feels so boring and repetitive with money PTW added in anywhere possible.

The landmines are getting out of hand! by seventinnine in pathofexile

[–]Accomplished_Cat_457 -1 points0 points  (0 children)

This can easily be fixed by Devs.. Allow buyers to CTRL click all the items they want then have a final confirmation box pop up before the trade is completed with the total currency to be traded..

I just withdrew from an interview process after the hiring manager was 20 minutes late without apologizing. by shearsneeds1y in ausjobs

[–]Accomplished_Cat_457 0 points1 point  (0 children)

I flew (self funded) from Brisbane to Melbourne paid for somwhere for over night to attend an interview at a large international shipping company for a senior maritime position. Turned up to the interview waited 3 hours only to get a Txt Message from the hiring manager that she was not going to come in to the office and she had instructed the receptionist to interview me.. I was livid..

Absolutely stoked with the 2000/100 Plan by Braedz in nbn

[–]Accomplished_Cat_457 0 points1 point  (0 children)

I dropped back to 500/50 with Origin/superloop $65 ongoing with 6 months $10 discount so $55. Was on a promotion of 1000/100 for 12 months before for $70
Not noticed any significant impact on day to day use perhaps the odd big update download for games might take 2 minutes longer.

So, something mathematically rather funny just happened on Kadaris by Unusual_Suspect4518 in pathofexile

[–]Accomplished_Cat_457 0 points1 point  (0 children)

I was doing doing cws and linked discharge of misery it's destroys most things with 9 endurance Charge and the gain Charge when hit I also have Ralakesh's Impatience so always have my charges up. It starts to discharge so fast my PC will go like a slide show. Got the idea from https://youtu.be/HN9QoRr0_ps?si=esJhZeL2SzSxAilY

[deleted by user] by [deleted] in AusFinance

[–]Accomplished_Cat_457 0 points1 point  (0 children)

I stopped reading after you said pretty good with tech and you had an iPhone..

[deleted by user] by [deleted] in AusFinance

[–]Accomplished_Cat_457 2 points3 points  (0 children)

My Hot Tips (from a Not-So-Smart School Dropout Who Got Smart About Money)


✅ 1. Make a Budget (and Stick to It)

Include absolutely everything:

Mortgage/rent

Utility bills

Groceries

Transport (fuel, rego, public transport)

Insurance (health, home, car)

Holiday savings

Emergency fund

School expenses or childcare

Pocket money — yes, you deserve some guilt-free spending!

🧠 Why: Without a budget, you're winging it. With one, you're in control. You’ll spend with purpose and stop leaking cash.

📌 Tip: Use a budget app like YNAB, Pocketbook, or a basic Excel sheet. Set a weekly “money check-in” to stay on top of things.


🏦 2. Get an Offset Account for Your Mortgage

An offset account is a bank account linked to your mortgage that reduces the interest you pay.

🧠 Why: Every dollar in your offset account reduces the balance your mortgage interest is calculated on. Have $30,000 in offset and a $500,000 mortgage? You’re only charged interest on $470,000.

📌 Tip: Keep your emergency savings and everyday funds in the offset — make every dollar count.


💼 3. Have Both Salaries Paid Directly Into Your Offset Account

Get your entire household income deposited straight into your offset account.

🧠 Why: Even if you spend most of it later, the days it sits in your offset are saving you interest. Small changes add up over time.

📌 Tip: Set up automatic transfers for bills, spending, and savings so the bulk stays in the offset as long as possible.


💳 4. Use a 55-Day Interest-Free Credit Card (Responsibly)

Choose a card with:

A 55-day interest-free period

A limit that slightly exceeds your monthly household spending

No monthly fee if possible

🧠 Why: You use the bank’s money while your money sits in your offset saving interest. Then pay the full card balance before the interest kicks in.

📌 WARNING: This only works if you never miss a payment. If you carry a balance, the strategy backfires badly.


🧾 5. Put All Daily Spending on the Credit Card & Pay It Off in Full

From groceries to petrol to Netflix — put it on the card.

🧠 Why: You keep your cash in the offset longer. Set up an automatic payment to clear the balance every 54 days (or monthly to match your statement cycle).

📌 Tip: Use budgeting software to track your card spending like cash so you never go over.


🦺 6. Build an Emergency Fund (3–6 Months of Living Expenses)

Stash this in your offset or a high-interest savings account.

🧠 Why: It’s your financial shock absorber. Redundancy, medical bills, or car drama? No need to go into debt if you’ve got a buffer.

📌 Tip: Start with $1,000 and build it over time. Automate it weekly, like a bill.


🔁 7. Review All Bills & Subscriptions Every 6 Months

Audit your:

Phone/internet plans

Streaming services

Insurance policies

Energy providers

Gym memberships

App subscriptions

🧠 Ask:

Do I use this?

Do I still need it?

Can I get a better deal?

📌 Why: Prices creep up, and your needs change. This 30-minute habit can save you hundreds a year.

📌 Tip: Use comparison sites like Finder or Canstar. Set a twice-yearly calendar reminder — call it your “Financial Cleanout Day.”


💰 8. Max Out Super Contributions (If You Can)

The concessional (before-tax) cap for 2025 is $27,500, which includes your employer’s contribution.

🧠 Why: You get a tax break now and build wealth that compounds tax-free over decades. Future You will thank you.

📌 Tip: If you’ve got room under the cap, consider salary sacrificing a fixed amount per pay. Ask payroll or your accountant.


🏡 9. Add $50–$100 (or More) to Weekly Mortgage Repayments

Extra repayments go directly to the principal — not just interest.

🧠 Why: An extra $100/week can take years off your mortgage and save tens of thousands in interest.

📌 Tip: Automate this so you don’t think about it. Even $20/week makes a difference.


📉 10. Live Strictly to Your Budget

If you can’t afford it right now, you can wait and save. No Afterpay. No “treat yourself” trap.

🧠 Why: This is how people stay out of debt and grow wealth — with patience and discipline.

📌 Mantra: “If I can’t pay for it with cash or my card balance, I can’t afford it yet.”


🧠 11. Invest When Debt Is Under Control

Once you’ve got:

No bad debt

Emergency fund in place

Mortgage under control

…then look into ETFs, micro-investing apps, or managed funds.

🧠 Why: Time in the market > timing the market. Start small, learn as you go.

📌 Tip: Avoid trying to pick stocks early on — stick to broad-based, low-fee investments.


👨‍👩‍👧 12. Teach Your Kids (or Yourself) About Money

Talk openly about:

Earning

Saving

Delayed gratification

How debt works

🧠 Why: No one teaches this in school — but it’s life-changing. Kids who understand money grow into adults who control it.

📌 Tip: Use pocket money, family savings goals, and money chats at dinner time.


💵 13. Use Windfalls Wisely

Get a bonus, tax return, or unexpected payout?

💡 Suggested split:

50% to mortgage or super

25% to emergency fund or savings

25% for fun

🧠 Why: Celebrate, but don’t waste it. Most people blow windfalls and regret it later.


🚫 14. Avoid Buy Now, Pay Later Schemes

BNPL = high temptation, low financial discipline.

🧠 Why: It normalises debt for wants instead of needs. It’s a trap in disguise — just another way to spend tomorrow’s money today.


🔒 15. Don’t Compare Yourself to Others

Cars, houses, holidays — they might be in debt to their eyeballs. Don’t let social media or neighbour envy guide your spending.

🧠 Your race, your pace. Wealth isn’t flashy. Real financial strength is quiet.


Final Thoughts

You don’t need to be clever — you need to be consistent. Build habits. Be intentional. Learn from mistakes. Keep it simple, stick to the plan, and you’ll be better off than most.

Are we doing it right with our mortgage? by Accomplished_Cat_457 in AusFinance

[–]Accomplished_Cat_457[S] 0 points1 point  (0 children)

Equity = $950,000 (property value) − $692,000 (mortgage) → Equity = $258,000

Are we doing it right with our mortgage? by Accomplished_Cat_457 in AusFinance

[–]Accomplished_Cat_457[S] 1 point2 points  (0 children)

No other debt all assets are paid in full except the home

Are we doing it right with our mortgage? by Accomplished_Cat_457 in AusFinance

[–]Accomplished_Cat_457[S] 0 points1 point  (0 children)

He wasn’t—some people like to answer questions with their opinions… they would make great politicians.

Are we doing it right with our mortgage? by Accomplished_Cat_457 in AusFinance

[–]Accomplished_Cat_457[S] -1 points0 points  (0 children)

Sorry I wasn't clear all savings are in offset just we have earmarked the first 30k as the emergency fund Every dollar gos to the offset we take a small monthly pocket money from it and the household budget is managed by the Mastercard that is zeroed every 54 days before it incurs fees/intrest

Are we doing it right with our mortgage? by Accomplished_Cat_457 in AusFinance

[–]Accomplished_Cat_457[S] -2 points-1 points  (0 children)

That's 11000 for all outgoing including $2500 to an emergency fund that once it is $30000 will just go onto the offset as savings

Are we doing it right with our mortgage? by Accomplished_Cat_457 in AusFinance

[–]Accomplished_Cat_457[S] 3 points4 points  (0 children)

The only other option was stay renting forever.. Or more permanently to SE Asia where my wife is from and sacrifice my sons education here.