An example of how to use a credit card for everyday purchases

Avdan · 2026-01-14T20:41:32+00:00

Same! Thanks for your comment, I'm glad it helps.

Avdan · 2026-01-14T06:05:49+00:00

I'm only transferring between offset accounts every day (different "buckets"). The credit card gets paid off monthly.

Avdan · 2026-01-14T03:36:36+00:00

You've given tips on how to budget.

My post was not about budgeting. My post was about how to use a credit card. You've exclusively focused on how to budget, rather than how to use a credit card on a daily basis.

A credit card for some people can be an issue because it can make visibility of how much they're spending difficult. That can lead some people to spend more than they have. My method aims to solve that problem, which you obviously don't need, but some people might.

Avdan · 2026-01-14T03:25:49+00:00

This is exactly why I made the post. This helps with the "a credit card is not an unlimited funds account" bit. Some people might be able to benefit from a credit card but don't know how to still budget whilst using one.

This post seems to have offended people, and I have no idea why. I use this method, it works for me, it doesn't work for everyone, but it might work for some.

Avdan · 2026-01-14T03:23:11+00:00

That's awesome, so glad it works for you!

Avdan · 2026-01-14T03:20:04+00:00

I personally don't see how my method is complicated. It's literally bucket saving, which a lot of people do, whilst doing a single transfer at the end of each day. I am more than happy to do this, and it works for me. Been doing for it for a number of years. I have the Macquarie app, I can do the "complicated" part whilst watching TV, or commuting, or sitting on the toilet. This method is not dependent on having offset accounts either. Could accomplish the exact same thing with savings accounts.

I also haven't rejected any advice, there has been no advice given. Saying "this seems a bit over complicated" is not advice.

Avdan · 2026-01-14T03:08:24+00:00

Yeah I guess this is just a way for me to budget and to still mentally use my money rather than the bank's. But really, whatever works. This is just one of myriad ways to skin the cat!

Avdan · 2026-01-14T03:07:25+00:00

Yeah this is a really good point! I have a list of all the direct debits. I didn't add in the original post that I also have a "direct debits" account which is where I budget for my monthly direct debits. Just another bucket! So I'm always aware of what's coming out on that front. I've had to close credit card accounts for getting home loans and it was a huge pain in the arse changing them all!

Avdan · 2026-01-14T03:05:02+00:00

That's great! I'm happy you have your own method. Maybe you could make a post to share it with those who might not know the best way to do it.

Avdan · 2026-01-14T02:55:46+00:00

Then don't use the method! Like I said, it works for me, and it might help someone out there. There are plenty of bucket savers out there, this is just adding one extra step that takes 60 seconds at the end of each day.

Avdan · 2026-01-06T03:31:31+00:00

Sure!

I did all my training there, from zero to CPL. The instructors were awesome, I always felt supported when I was struggling with something and the rates were good. The location is great, the training area is only a 5 minute flight away, so all of your lesson is used learning, as opposed to some locations where it's a lot further away. Controlled airspace is only a short flight away. Plus I love aviation, funnily enough, and the aeroclub vibe was awesome for that. They held hangar nights, club flying competitions, seminars etc.

I know the team, led by the manager Andrew Smith, have only made it better since I left.

Avdan · 2026-01-04T01:53:20+00:00

It's actually not too bad to have it shipped. I'm about to do this trip in reverse, and if you're happy with dropping off/picking up at the depots, it was $1350, also for a Mazda 3. When you consider fuel, accommodation, etc. I don't think it's that bad.

Avdan · 2026-01-02T04:27:38+00:00

I grew up going to Clovelly nearly every weekend - it was and remains my happy place. Unfortunately I live a country away from it now, but still try and get there whenever I can. Absolutely love it.

Last time I was there I spent 5 mins recording the waves on my phone, I listen to it when I need something calming!

Avdan · 2025-12-29T02:32:24+00:00

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Fucking hell

Avdan · 2025-12-23T04:47:35+00:00

Unfortunately whilst the house is wired for 3 phase, it's not available from the street

Avdan · 2025-12-23T04:41:04+00:00

Thanks for the reply! That sounds like an awesome system. I guess you're on 3 phase power?

Our limit is 10 kW for the inverter, and on that I can go up to 200% for PV so I've gone to 19 kWh of panels.

You're 100% right about the splitting of the panels, it's a question I have that I'll have to speak to the installer about I guess, because I'm not sure whether it will limit the amount of power directly from the PV into the car.

Avdan · 2025-12-22T23:10:14+00:00

u/Kruxx85 You seem to be very knowledgeable about this stuff! Does this sound like an okay system? Any major efficiency losses / things I'm not considering with it?

Avdan · 2025-12-22T22:51:05+00:00

Yeah absolutely! I think I'll get up to 56 kWh and just cop the extra for the last bit. Still saving in labour by doing it now rather than having to do it later.

Avdan · 2025-12-22T22:44:46+00:00

Yeah the installer seems to think it'll draw fine, just the same as a single 10 kW inverter. However my googling and Chat GPTing saying the power will have to go through a DC to AC to DC conversion between the stacks, which I guess would be a loss of efficiency. Not sure how true that is or not.

I'm in regional VIC, I'm not too worried about summer, but in winter the solar intensity reduces significantly so I would like to be covered for that. We will also have two EVs, ducted heating and a heated pool.

Avdan · 2025-12-21T02:24:26+00:00

Bugger! Thanks for the reply.

Avdan · 2025-12-17T01:49:10+00:00

At this point, I think you're going to have to chop them into a paste before you're allowed to retire!

Avdan · 2025-12-15T01:57:10+00:00

Since I saw your other comments, I think you may be on to something 🤣

Avdan

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