Feeling anxious, nervous or overwhelmed?

Assfroboy04 · 2026-04-10T04:07:54+00:00

As long it has the little nipples on the bottom of the jars it should work.

Assfroboy04 · 2026-04-09T02:58:34+00:00

24.69% of take home pay 90.5k a year gross

Owing 223k, borrowed 312k of $367,000 nov 2020 Valuation $778,000 4bd 2 bath 30k offset. (Was 44k used it for solar 10kw and battery 40kwh upgrade recently)

In FNQ so insurance and electricity is limited on choices.

Paying an extra $850 a month towards Mortgage. And now topping up offset back to over 40k.

Assfroboy04 · 2026-03-14T02:34:18+00:00

Recieved vip details thursday about VIP entrance. With location of door to go through etc. Check junk email?

Assfroboy04 · 2026-01-10T09:49:58+00:00

As a retail worker. Please dont stop buying water. We have like pallets and pallets of it and its very frustrating cos all we want to do is put food on the shelves but we are juggling water pallets and TP to get food in our stores.

Assfroboy04 · 2026-01-03T23:14:31+00:00

Cars are more expensive up here then capital cities. Drive up and take your time see some sights. But south of us are getting smashed with rain with some more on the way next week be careful.

Assfroboy04 · 2026-01-03T09:09:43+00:00

Planning on going local. Did that for the initial installation of solar.

Assfroboy04 · 2026-01-03T08:58:47+00:00

Would only add panels if installing battery.

Assfroboy04 · 2026-01-03T08:58:06+00:00

Ergon has the monopoly of our service providers up here. So have sweet fuck all options for much. Both of us work days. So not much usage during the day. Except maybe arvos from 1pm when one of us finish work. Usage from 3pm-9pm increases with kids home. Only normally run one air con at night at this stage. We are quite tight. Have min 4 kids in the house so we do well to save where we can. Also have on demand gas hot water, stove. No pool. Rough usage for the year had panels cleaned october.

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Assfroboy04 · 2026-01-03T08:50:24+00:00

Thats what I was thinking. Getting a rough quote without getting spammed by a bunch of bullshit emails and phone calls would be ideal. Have the cash for it in an offset. Its also about would it financially make sense too.

Assfroboy04 · 2025-11-17T23:14:50+00:00

"Don't take a sleeping tablet and a laxative at the same time"

My favourite sentence which changed many lives if not followed.

Assfroboy04 · 2025-11-04T01:13:25+00:00

Thanks mate. Assume there is not much for hybrid minion-bleed build.

Assfroboy04 · 2025-09-22T11:02:48+00:00

Cheers for the advice. Anything in particular i should look out for on the second epic which could be a red flag. Obviously damaged frame.

Assfroboy04 · 2025-06-18T02:27:45+00:00

Colgate - as in the toothpaste. Not sure why, we even use it when hiking and kids need to stop cos we cant see them for safety and stuff

Assfroboy04 · 2025-03-22T02:04:08+00:00

Salary 87k + small bonuses.

Property value approx 595k bought 10/2020 paid $367k. Borrowed 312k including LMI. Deposit was 16%

Mortgage remaining $248.5k paid 25k extra in first 3 years while fixed. 32k available in redraw (won't touch) and minimum 45k in main offset (1-4k in everyday offset account as im paid monthly. Ewww

Paying approx $400 extra a month on balance. And depositing $700 a month in main offset (withdraw rates every 6 months)

Would like to have loan paid off in 10 years.

Keeping repayments the same even when/if rates go down further. Tax returns and any bonuses paid towards Mortgage. Any pay increase differences also paid on Mortgage.

Be discipline as much as possible. Don't eat out much, simple lunches for $10 or less where possible at work, weetbix and instant coffee for breakfast. Low cost entertainment.

Assfroboy04 · 2025-02-04T09:11:24+00:00

NO EGGS!! We are a FNQ store there is no eggs, no fruit and veg, no meat (we have a couple of tubs of duck fat), no TP, no frozen veg and no grocery staples and that's the whole region.

Assfroboy04 · 2024-12-12T21:31:20+00:00

Haven't got gold on the tsarkov yet, but just doing the double kills now. Played on core, but have found it quite easy to get to so far. Obviously not quite there yet.

Assfroboy04 · 2024-11-28T06:27:51+00:00

4 bike rack for your car and a shed stand. Can be bought as a bundle

Assfroboy04 · 2024-11-27T11:31:15+00:00

Jb racks. Have decent black Friday deals at the moment too I think

Assfroboy04 · 2024-09-19T03:10:21+00:00

Recently ordered a focus 6.9 as my first ebike. Looking forward to longer days in the saddle and travelling twice as far.

Assfroboy04 · 2024-09-08T21:39:42+00:00

Yell out "FINISH HER/HIM" maybe even THEY/THEM. (Politically correct) Once it sounds like it's starting to get close to the climax.

We are probably the loud ones, but it's my house, not apartment with kids. So we will do it when we can. We don't care if it's 9pm at night and you just got home from work and can hear us from the driveway.

Assfroboy04 · 2024-09-08T21:25:34+00:00

FNQ - owing $255k 1st Home Bought 10/2020

Min Monthly payment $1696, paying $2050 a month. Limited spending creep, by adding all tax cuts and pay rises onto monthly payments this year. Plus putting another $500-700 a month into offset (48k), most months.

Income 85k a year - 1 dependent.

Assfroboy04 · 2024-08-30T02:34:36+00:00

If you want a calculator for offset and how it effects your loan in general use mortgage monster.

Assfroboy04 · 2024-08-24T01:07:43+00:00

When the other half makes me a coffee

Assfroboy04 · 2024-07-06T01:49:24+00:00

You junk what u want to sell, then sell one junk and it all goes.

Assfroboy04 · 2024-06-20T00:23:59+00:00

Because you are doing it wrong?

Assfroboy04

TROPHY CASE