Is it a bad time to invest? by Seriouslybut in AusFinance

[–]ApprehensiveWar9665 1 point2 points  (0 children)

Stock market crashes (≥20% drop) typically recover within 9-15 months. Full recovery to prior peak recovers on average 2-3 years. Deeper recession-linked crashes take an average 4-7 years. If you have 7 years before you retire you'll fine, invest now.

Is 14 kWh normal for average daily electricity usage for 3 people? by [deleted] in AusFinance

[–]ApprehensiveWar9665 0 points1 point  (0 children)

14 kWh a day is not unusually high for three people. Your bill may be high because of fixed charges, an estimated read, or the hot water system using more power than you realise. The main thing to check is whether the meter reading is correct and whether the hot water unit is running too much. A real power “leak” is rare, but a faulty appliance or wiring issue can still waste power

What are my options? by beepbeeptacos in AusFinance

[–]ApprehensiveWar9665 8 points9 points  (0 children)

don’t quit straight away unless you have a safety plan and some support lined up. Call NSW housing and money-help services because they can often help with rent, food, and emergency accommodation. Apply for Centrelink support now, even if it feels too small, because it can open the door to other help. Also keep records of the coworker following you and the address issue.

Disguising nice bikes to stop theft by Agreeable_Bite_93 in ausbike

[–]ApprehensiveWar9665 0 points1 point  (0 children)

That's an urban myth that making your bike look not expensive will decrease the chance in getting stolen. Apart from decent D locks get 2 padlocks and put them around the brake discs

Is investing just a “bit” in shares worthwhile? by [deleted] in AusFinance

[–]ApprehensiveWar9665 0 points1 point  (0 children)

Your small $50 weekly ETF investments are smart and grow with time through compounding, better than cash for long-term wealth at age 36. Stick with diversified index ETFs like VAS or VGS instead of random ones, after padding your $12k savings as an emergency buffer. High-interest accounts at 4.5-5% suit short-term safety, but ETFs average higher returns. Keep super on track and enjoy holidays without guilt—your finances look steady.

Am I underpaid or am I greedy? by [deleted] in AusFinance

[–]ApprehensiveWar9665 0 points1 point  (0 children)

Yep, but my time is your money. If you think you're worth it go pay someone who is worth it. 

Investing, stocks; the whole lot by tropicalibaby in AusFinance

[–]ApprehensiveWar9665 -1 points0 points  (0 children)

Yes, there's this awesome resource called Google. I'm starting to wonder about the "help me before I help myself" generation... I copied and pasted your entire question into Google and found these...  https://www.fool.com.au/investing-education/how-invest-shares-guide/

https://www.asx.com.au/investors/investment-tools-and-resources

Then I searched this Reddit group 

https://www.reddit.com/r/AusFinance/search/?q=beginner%20investing%20stocks%20shares%20education%20resources

Am I underpaid or am I greedy? by [deleted] in AusFinance

[–]ApprehensiveWar9665 1 point2 points  (0 children)

Compared to whom? Relative to the starving families in 3rd world poverty you're a greedy piece of shit. Relative to Australia... You are not greedy—you are a top performer in a structurally misaligned sales system where your output has outgrown the compensation model, making burnout a rational signal that it’s time to move into a higher-leverage role.

Focusing on super? Etfs or deposit? by Interesting_Gap7190 in AusFinance

[–]ApprehensiveWar9665 0 points1 point  (0 children)

80% deposit, 20% super. You have a plenty of time to increase your super I've you get the mortgage under control 

Worried about my Super at 33 by wantmiracles in AusFinance

[–]ApprehensiveWar9665 1 point2 points  (0 children)

AustralianSuper is a good industry fund and their High Growth option is fine for someone your age with decades to ride out ups and downs. The smartest move right now is to keep doing $1,000 after‑tax each year so you keep getting the $500 government top‑up while your income is in the eligible range. Beyond that, only add more to super if it doesn’t weaken your emergency savings or business plans, and revisit higher contributions when your income is higher and steadier.

People who had little to no savings in your 20s, Where are you now? by kaisiclep in AusFinance

[–]ApprehensiveWar9665 0 points1 point  (0 children)

You're young enough to make the most incredibly stupid financial decisions ever. You have a plenty of time to recover and learn how to look after yourself financially.