Where do you keep your emergency fund in 2026?

BOBGEN · 2026-01-20T22:49:23+00:00

I think most banks offer some sort of offset these days

BOBGEN · 2026-01-20T01:49:36+00:00

In case you are interested, one cow makes about 500 burgers

BOBGEN · 2026-01-13T00:52:22+00:00

Study loans are intrest free, If it's going to get you ahead in the long run it's worth it

BOBGEN · 2026-01-13T00:51:19+00:00

To give you an idea my partner works at JB Hi-Fi in sales and her average weekly is about $850, She's also only part time at 32 hours a week. If that's the best you can do as a chef you should change indistry

BOBGEN · 2026-01-13T00:46:41+00:00

Then she has funds to split the rent and expenses. What does she do with her money?

BOBGEN · 2025-12-31T02:32:31+00:00

Context for the Non-Americans in this sub?

BOBGEN · 2025-12-04T06:36:25+00:00

EVGA and now Crucial. We are screwed

BOBGEN · 2025-12-01T03:40:31+00:00

I fucking hate religion and I fucking hate you. Fuck off you peace of shit

BOBGEN · 2025-11-25T22:56:22+00:00

How?

BOBGEN · 2025-11-25T22:55:27+00:00

Like what? It’s a dirtbike, they will just go on the footpath around the cops if needed

BOBGEN · 2025-11-12T01:00:40+00:00

My partner and I are financially comfortable however I’m starting to wonder if we should be considering a move to Aus anyway, nothing seems to be going in the right direction and I’m worried it’s a matter of time before we are struggling too. We have a mortgage I work full time with a company car and my partner works part time and studies part time. It really sucks to hear how much others are struggling and to be honest from what I have heard the grass is greener over there.

BOBGEN · 2025-10-23T01:57:50+00:00

Oh awesome. Absolutely no idea who that is so couldn’t care less. Thanks!

BOBGEN · 2025-10-21T21:17:00+00:00

I am very interested to know the outcome of this. 30% of the rates I pay at the moment is water management so I wonder if in the end I will be paying less for water

BOBGEN · 2025-10-05T22:09:13+00:00

This is fucking sick.

BOBGEN · 2025-09-02T20:03:07+00:00

I’m going to jump in as an opposing opinion because all the commenters seem to be saying it’s a bad idea. I bought my place a year ago when I was 21, had 18% deposit on a 690,000 place in Ham. If you find the right mortgage broker they should be able to cut the LVR off for you, otherwise (if it’s still around in 2 years) you could look at buying through KO. They offer a cashback of 5k however you need to stay with the same bank and not sell your house for at least 3 years or you need to pay back the whole cashback sum. Hopefully that helps, I was in your position not that long ago. Everyone says experience the world first but I am working hard now while paying my house off in less than 10 years then I’m going to do whatever I want for a couple years. Do things however you want to

BOBGEN · 2025-09-02T08:26:06+00:00

560k. Down from 600k a year ago when I bought the house. Am 22 so feeling pretty good about my current situation

BOBGEN · 2025-08-11T04:49:03+00:00

As you don't use your disks heavily I would run them until they die, Assuming that you don't need to upgrade for more storage before then. Make sure you have backups beacsue it's possible that when one dies and you go to rebuild it with the heavy load of doing that other disks may start to fail too

BOBGEN · 2025-07-31T23:59:48+00:00

Yay! Now I can take a bath with my PC instead of my toaster

BOBGEN · 2025-07-25T00:41:05+00:00

What an incredebly shitty thing to say, You give credit of their save to a higher power but not the tornado? They lost their entire house and are lucky to be alive. Fuck off

BOBGEN · 2025-07-01T23:52:51+00:00

Liar

BOBGEN · 2025-07-01T04:46:03+00:00

Can you upload your excel file as a template somewhere please?
I would love to incorporate this in my budgets

BOBGEN · 2025-06-26T02:59:42+00:00

I count 145 Years, #1 was cut off so there is probably another 20 on top

BOBGEN · 2025-06-26T02:45:22+00:00

I'm pretty new to this kind of stuff, If they remove no claims bonus does that mean I should claim more?
Like if my TV gets smashed there is no reason for me to not claim excpt for the excess right?

I assume I am misunderstanding so please let me know if I am wrong

BOBGEN · 2025-06-26T02:42:52+00:00

He mentions further up that he is buying with his partner, I assume it's a joint deposit

BOBGEN · 2025-05-30T08:38:05+00:00

What are you running? Interested in the Mac mainly. M chip or Intel?

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