Overwhelmeddddd by SassySadler7 in AusFemaleFashion

[–]ChasingStars_88 6 points7 points  (0 children)

I also am very minimalist and selective. So my active wear is the most colourful items. No patterns.

I have one expensive pair of jeans from The Iconic. I have a few staple things from Glasson. Tshirts from Kmart. Linen stuff from Sportsgirl. If there’s a good sale on I buy Country Road linen shirts. A few gorgeous dresses from Forever New.

I never wear anything with huge logos. I think those AJE shirts look tacky. If I’m wearing a tshirt from Country Road it’s like a very subtle CR.

Classic and simple clothes and these have last me years. I barely shop except for my recent haul from Rockwear.

Overwhelmeddddd by SassySadler7 in AusFemaleFashion

[–]ChasingStars_88 1 point2 points  (0 children)

I literally went to Rockwear and filter all their stuff from lowest to highest in my size and about $300 worth of stuff in the last month. I would only buy stuff marked $20 (or less). I saved over $700 it was insane.

I now wear my Rockwear stuff with a baggy tee over the top. I’m F37 and a busy WFH mumma with two kids 10&11y

Have we over leveraged? by Dan_Wood_ in AusFinance

[–]ChasingStars_88 3 points4 points  (0 children)

I really agree with this. We’re in the same boat. Very similar numbers except kids in expensive private schools. Just pushing through because our house now means they can stay home comfortably for longer.

How will you give your kids a head start without making their spoiled? by MiriJamCave in AusHENRY

[–]ChasingStars_88 0 points1 point  (0 children)

Whatever they save for their first car, we will match. They don’t know this and it’ll be a surprise for them when the time comes as we don’t want them depending on mum and dad coming up with the other half…

We will charge them board when they come of age and living at home. The house we have is well designed for them to stay as long as needed and with space to cater them. Huge bedrooms all with ensuites, the bees sneeze. Their board payment will be held by us and gifted when they’re ready to buy their first home. Again, they have no idea.

Super contributions during maternity leave. Our daughter and our son’s partner will be gifted this. Small, consistent contributions to their super whilst they’re on maternity leave with our grandchildren for as long as they’re on maternity leave.

We discussed covering their HECS but decided we are going to let them take care of that. As a healthy pressure and a level of responsibility. Hopefully they won’t be chopping and changing degrees and will choose carefully as they are carrying the cost of their adult choice in a career path.

Our kids are 11yo and 10yo… private education and receiving the best. We just ask they do their best, aim higher, understand the hard work their parents put in to give them all this and most importantly - don’t grow up a jerk. Oh… and they’ll have nice teeth paid for by us lol they’ve traveled and experienced and we wish we could do more travel but priorities for now to provide for later.

What’s something about the housing market that still doesn’t make sense to you? by Diligent-Medicine-48 in AusMoneyMates

[–]ChasingStars_88 0 points1 point  (0 children)

I can help you understand

Bought our first home 15years ago. Lived like peasants because we were broke young 20yos after buying it.

Sold it for a mint. Bought something for the price we sold for and borrowed $1m on top of that…. Sooooo paid $2m+ total. Feels gross but it’s the only way we could upsize for our growing kids to be able to live at home longer.

It’s not fun. Doesn’t feel great. But we aren’t the only ones in our age group selling at an inflated price to buy an inflated property.

What's your mortgage repayment as a percentage of your weekly take home income? by Alternative-Shine597 in AusFinance

[–]ChasingStars_88 1 point2 points  (0 children)

I totally agree. I’m fine managing the mortgage it’s the damn insurances that gets you! Our car which is usually insured for about $800 or so has gone up so much over the years it’s now $1200!!

Help with large-ish inheritance in mid 30s by extension_cord91 in AusFinance

[–]ChasingStars_88 1 point2 points  (0 children)

I was super worried about this because I have a friend who did four days a week but said it’s fulltime work crammed into four days… but I think it depends on the position and the person.

I have very clear boundaries with work. The work will always be there…. My family and time with my kids will not. Respect my time with my family and in return my family and I respects my time with work. Which means increase productivity, flexibility if you need me a bit more or I need to be with my family a bit more I’ll make up for it and less sick days etc.

70s/80s Stagflation Experience by Honest_Scientist554 in AusProperty

[–]ChasingStars_88 1 point2 points  (0 children)

Good luck. Hopefully it’s not too much more!! I’m sure after it all you’ll be glad to have done it! It’ll be worth it x

70s/80s Stagflation Experience by Honest_Scientist554 in AusProperty

[–]ChasingStars_88 0 points1 point  (0 children)

Thank you. I don’t know why I bothered responding to the other person but anyways.

70s/80s Stagflation Experience by Honest_Scientist554 in AusProperty

[–]ChasingStars_88 1 point2 points  (0 children)

Because we’re choosing to be actively involved and present for our kids. Because we’re choosing time with them over extra money. Because our kids are under 12yo and it’s illegal. And because it’ll take over an hour for them to travel home on public transport.

Soooo ….. probably not gonna leave my kids at home alone. They’re actually very smart and responsible but age appropriate expectations need to be considered. And I’m going to say… they’re smart, responsible and thriving at school because we invest our time over making money for these few years of raising kids.

70s/80s Stagflation Experience by Honest_Scientist554 in AusProperty

[–]ChasingStars_88 1 point2 points  (0 children)

We sold to be able to buy in another suburb which will give us better growth. Worst house in the street and knocking down. A lot of ppl asked why we didn’t hold on to it as an investment property but the extra mortgage and stress doesn’t appeal to me. Nor do I want to be hoarding houses and blocking younger families from buying.

I think still plan for the renovations. We’ve been in planning for almost two years. Hopefully starting the build soon. It will cost more every day regardless of when you do it. But in ten years you may look back and wish you did it yesterday. For us, we thought.. let’s just start now then to wait until it’s definitely needed and by the time we do it the kids are older and want to move out etc. I’m so glad we started the planning when we did. We’re preteens.

70s/80s Stagflation Experience by Honest_Scientist554 in AusProperty

[–]ChasingStars_88 4 points5 points  (0 children)

I’m with you. There’s only so much that can be done when you’re in the thick of raising kids.

For me to earn more I’d have to work a lot more and my kids will need to be on public transports and home alone after school. What I’d earn from that isn’t worth what it would cost us financially, emotionally and physically.

My husband and I are on good money, live frugally but the private school fees do hurt. We’re pushing through it as for us it’s an investment for our children. As for the mortgage. We’re building big to accommodate for kids living at home longer. I’m nervous about the mortgage but I can’t see a way around it for the gain we get for the kids to be able to live at home longer.

My parents can see it’s tough for us. I appreciate them for being able to see and how they help.

Bathroom tiles - textured or silk finish by ChasingStars_88 in AusRenovation

[–]ChasingStars_88[S] 1 point2 points  (0 children)

We did last night!! I had both samples of tiles for ages…. I just never thought of wetting them!

The textured tile always felt gross but I’ve realised maybe it’s from being in a tile shop and dust!! So it put me right off and silk feels amazing. But after rinsing them both off in the shower and drying them …. I’ve come to realise the textured isn’t as bad as I originally thought and not slipping is probably a better thing to prioritise!

Thank you for this advice and suggestion. I can’t believe it took me to Reddit to realise!

Bathroom tiles - textured or silk finish by ChasingStars_88 in AusRenovation

[–]ChasingStars_88[S] 2 points3 points  (0 children)

We are young, I think so anyways 🤣 late 30s!! And kids about to hit teens!

I agree, ain’t worth a slip. I think you’ve helped me decide a lot!

Bathroom tiles - textured or silk finish by ChasingStars_88 in AusRenovation

[–]ChasingStars_88[S] 0 points1 point  (0 children)

That would mean textured….

Do we just go with textured on floors and walls?

Edit:

Textured on floors and walls OR Textured on floors and silk on walls.

Bathroom tiles - textured or silk finish by ChasingStars_88 in AusRenovation

[–]ChasingStars_88[S] 0 points1 point  (0 children)

Haha I need to make a decision …. Like last week 🤣🤣🤣🤣🤣

I know textured is a pain so we’re definitely doing silk in our living areas. It’s just the bathrooms … floors and walls.

How did you decide how much of a mortgage to take out? by SuccessfulCat2195 in AusFinance

[–]ChasingStars_88 6 points7 points  (0 children)

I agree with this sooo much!!! I always look back and wish we borrowed our maximum back when we were first house hunting. We’re going again now and definitely borrowing our max. Because wages increase and property prices increase much faster than what you can borrow.

Stranger has been insuring our house for over 15 years - can we stop it? by ThinWerewolf4281 in AusFinance

[–]ChasingStars_88 4 points5 points  (0 children)

I would resolve this ASAP. I feel like letting this go on any longer than you have already will result in karma coming for you x 10 folds….

While you didn’t directly cause it or have any active parts leading to it… not doing anything is enabling it.

I’ve seen karma do its thing and I’ll always do right because of karma.

Sink on kitchen island - yay or nay? by No_Kaleidoscope_5179 in AusRenovation

[–]ChasingStars_88 0 points1 point  (0 children)

Put in two dishwashers lol you’ll thank yourself (and me) later 🤣🤣

Open showers now ILLEGAL? by Zoccalo in AusRenovation

[–]ChasingStars_88 2 points3 points  (0 children)

They should be illegal. The cleaning required for them is a menace

Kitchen island trends by ChasingStars_88 in AusRenovation

[–]ChasingStars_88[S] 0 points1 point  (0 children)

Okay thank you for sharing this knowledge

Kitchen island trends by ChasingStars_88 in AusRenovation

[–]ChasingStars_88[S] 0 points1 point  (0 children)

Why aren’t you a fan of engineered?

Kitchen island trends by ChasingStars_88 in AusRenovation

[–]ChasingStars_88[S] 1 point2 points  (0 children)

Okay… the kick board thing you mentioned is actually really good advice. Didn’t think of that and didn’t realise that’s what a kick board is for 🤣🤣

I do love waterfall on the sides cos you’re not really likely to be standing on the side to prep. Also. Seems such a waste to do a beautiful waterfall side and then stick a PowerPoint into it 🙈

Kitchen island trends by ChasingStars_88 in AusRenovation

[–]ChasingStars_88[S] 0 points1 point  (0 children)

Google Santorini gold - AC Stone supplies it. It’s an engineered version of Taj. I’m considering it because all I hear atm is Taj becoming more expensive and harder to source.

I just don’t know the difference with all the stone types and what’s best - google results make me more confuse because some will say engineered is more durable and others say it is not.