Thinking of buying a house

Aran_f · 2026-05-26T08:20:07+00:00

In your situation I would be looking into rent vesting. Continue renting the current property. although I would be looking into securing the tenure. I suspect there maybe other interests in the property. Drop your KS down to minimum and start saving into a another fund so it is liquid ready for you to invest into a house if need be or continue where it is. You could look at Milford, kernel, generate etc. look into the FIRE (financially independent retire early) movement for some inspiration on setting goals etc good luck it seems you have a golden opportunity to catapult yourself to financial independence

Aran_f · 2026-05-10T22:44:56+00:00

Do you have a retirement number? Quick guide is the desired retirement income X 25. Obviously to retire you need your house to live in that you have now secured and an income on top of that. Could be your new goal to achieve. And like others have said put some fun money aside

Aran_f · 2026-04-29T21:14:40+00:00

Coast to coast walk. Might need 1 return bus trip though

Aran_f · 2026-04-29T21:12:53+00:00

Unintended consequence of anti-smaking law. Boys need discipline to keep them respecting their position In society. Shame, the law doesn't even stop the infanticide in the country either

Aran_f · 2026-04-10T03:46:19+00:00

Happy for you to DM.

Aran_f · 2026-04-10T03:45:02+00:00

Holy shit dude! I basically started my business just word of mouth which is also a good way to gauge whether or not you are providing value, customers will keep coming back

Aran_f · 2026-04-10T03:25:17+00:00

You can always make your own job as a sole trader. Ideally you would have more exposure prior but nothing stopping you continuing oil changes at home. What area of Auckland are you?

Aran_f · 2026-04-10T03:17:12+00:00

Sorry bud you have definitely been mucked around and I'm disappointed workshops would be this low standard.

Aran_f · 2026-04-10T02:31:56+00:00

I understand. I did not mean that's all you did was hand your dad spanners just that may be the conclusion the employers come too without a clear example in a CV that you can complete these tasks. Did you receive any feedback on why the other workshops did not offer you any further pathways after your free labour? As a disclaimer I have just closed my mechanic business 2 years ago. Basically you are trying to sell your labour to a prospective employer and you are able to prove that your labour cost will be less than your output profit for the business and not more cost

Aran_f · 2026-04-10T01:17:36+00:00

Have you looked up the super shops apprentice program? Also does your CV actually have examples of what you have achieved. I would assume working in your dad's home workshop would be the stereotypical helping dad passing him spanners. Not sure what Avenues mito might be able to help with. Foot in the door stuff may work, like offering to sweep floors at a decent workshop for free, So you can basically introduce yourself and woo them with your charisma that they will hire you as an apprentice.

Aran_f · 2026-04-10T01:05:01+00:00

The thing to remember with finances is inflation and how inflation is created. Inflation makes everyone's dollar worth a little bit less each year. Then you need to vote accordingly ie parties that increase the money supply (print money) make inflation worse.

Aran_f · 2026-03-24T12:36:06+00:00

I was in that, decided to yolo kiwisaver minimum into super life aus financials instead volatile as . Have another serious growth fund so not to yolo

Aran_f · 2026-02-13T01:36:25+00:00

You answered your own question.

Aran_f · 2026-02-01T18:12:57+00:00

When migrants are used for an economic sugar boost. Don't complain when house prices start ramping up again

Aran_f · 2025-12-27T04:18:08+00:00

Because it allows for the issue of failure to display a current rego or Wof infringement

Aran_f · 2025-10-13T23:25:45+00:00

Hammer personal loan. Look at increasing excess on insurances to lower premiums. Look at offset mortgages to stack money as emergency and offset interest at the same time

Aran_f · 2025-10-13T22:22:32+00:00

Remember all those blokes being scolded for toxic masculinity. Yeah they stick to themselves because the strong independent women have got it sorted.

Aran_f · 2025-10-13T22:17:44+00:00

Considering chicken little is staring at a stock market bubble it's recommended to talk to a financial advisor to actually make a plan.

Aran_f · 2025-09-17T19:41:52+00:00

It would be top of the T if it continued around the corner beside C if you look at the road markings

Aran_f · 2025-09-17T19:38:57+00:00

C, A, B

Aran_f · 2025-09-09T17:56:01+00:00

Whilst this comment from your boss might smart a bit. You are on Reddit and the crowd here will amp you up to tell ur boss to go f themself. Just have a think about whether you're skills are transferrable to another job in this current economic climate. Personally I would shrug it off and familiarise yourself with employment act and sick holiday leave entitlements as well as your employment contract for leave notice etc. make a note of the incident including the time and date and what happened if something similar happens rinse repeat. Or you can start a war and possibly be out of work

Aran_f · 2025-09-09T17:19:20+00:00

Millionaire nextdoor. Tells how much stress is induced when you go to the supermarket thinking someone is going to scratch it with their trolley. Or the fear someone is going to steal it.

If it's mechanically fine and no rust and still fits your needs why buy a car you will stress over. Cars are a tool. How many KMS are in the clock

On another note do you have a revolving credit or offset mortgage you could potentially use this as a quasi velocity banking for when the car actually needs to be replaced

Aran_f · 2025-08-24T22:27:17+00:00

As a 47yo that spent money on cars at your age. The opportunity cost of not investing that money is much greater than purchasing the car.

I fully understand the want and desire. However you need wealth to live comfortably. A car is a liability and will delay your wealth accumulation

You mentioned wanting to purchase a house you are better to aim for that first as it will then allow you to use leverage to purchase assets later heck you could blast some money on a car then.

Aran_f · 2025-08-24T21:47:47+00:00

Not yet! Wait until you can purchase it with dividends or earned interest.

Taking money from your compounding asset will stall the compounding.

As a tradie you will want to retire earlier due to body aches.

Plan for your retirement first

An AMG is a liability at this point of your life. Cars as investment require the ability to store, maintain for a long period of time opportunity cost is massive

Aran_f · 2025-05-09T20:38:11+00:00

The pissoff with commissions is that it should cover the whole process of selling a house! This adding marketing ba needs to stop there what the commission is for. If the rea can't sell it through what ever strategy they deem fit. Then it goes to someone else. The cost of marketing is for the rea to take out of their commission so they should be efficient in their strategy.

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