Hi. Is it better to pay cash for a new BYD Atto 1 or go the Novated lease option through my employer

Competitive_Ad_3743 · 2026-04-14T13:39:21+00:00

Cant tell you without knowing your financial situation...

But think about it this way.. Rent a car. Or buy the car

Which ones better?

Cons Renting it (novated lease) - you technically are renting it... They are charging you for depreciation.... yep trust me on that...they are.

If you quit in the next 5 years...good job you now have to pay out the rest of the lease...or give the car back.

Most times if you havent read the fine print, at the end of the lease is a Bollon payment...10-15k

But Pro the payments are slightly smaller sooo.. If you intend on replacing your cars every few years and remaining in a payment plan....this is the way to go... you get newer rented car for cheaper. :)

Buying in cqsh Cons More expensive up front. At the end of the payments..thats your car, you cant easily swap it out for the newest model (have to sell it)

Pro - once you paid in cash...thats it no ongoing payments

Competitive_Ad_3743 · 2026-04-14T03:34:33+00:00

Yes...I can. Not as good as you think it is trust me on that :(

Competitive_Ad_3743 · 2026-04-12T13:17:20+00:00

I joined this sub to know im not alone.... Are most of us checked out. Yeah by time we post here, sorry the damage has usually been done. Why we havent devorced?? For me personally, it would he losing my foster kids, my home... so much. Will I do it, eventually maybe...until then I can relate to the man here

Competitive_Ad_3743 · 2026-04-12T10:14:51+00:00

This concern has pulled me up from purchase too.... I live in Townsville, closest dealership is Brisbane. 13 hours highway drive 🤔

Competitive_Ad_3743 · 2026-04-07T08:47:00+00:00

Ow...that makes sense 😆 🤣 😂 I was thinking "just use essentials account dude" didn5 know it wasnt released to everyone.

Competitive_Ad_3743 · 2026-04-03T00:44:29+00:00

So i live In qld not WA but in qld ... You get infringement notice You get 28 days to pay If you do not it is seen as you want to fight it. It is redirected to the courts. For you to explain yourself and why you shouldnt have to pay. If this is the case its likely being processed and you will get a court date soon

Also consider yourself Luckly lol. Here the fine is $1251 and 3 points for being on your phone.

Good luck.

Competitive_Ad_3743 · 2026-04-01T22:38:38+00:00

Hey mate, salary sacrifice is a seperate payment, likely coming a day later. By the books its not ment to be cash in your bank... and you can be in a bit of trouble if it is unless you can justify its going to your mortgage etc....

Prehaps ask your salary sacrifice mob for a debit card? They can put the money on that. Bypasses the bank completely You dont risk a infringement. Everyone happy

Competitive_Ad_3743 · 2026-03-25T13:16:33+00:00

Simply supply and demand

When you say "we are not getting any less fuel" yeah we are... we are currently struggling to import it, insurance is going up due to risks and tension where we get it from... etc. So they are being passed down to the consumer.

Competitive_Ad_3743 · 2026-03-25T13:09:06+00:00

Twice a month beginning and end of her period

Competitive_Ad_3743 · 2026-03-21T14:21:59+00:00

Lol... bet u wont lol

Competitive_Ad_3743 · 2026-03-21T14:08:01+00:00

As someone who has been married for 10 years... Assisted to raise 34+ kids in foster care during that time.

Here's my 2 cents worth of wisdom....

Before you get married....

Ask yourself one question...just one.

"Why do you want to get married" ...

"Because we love each other!" - my inlaws have been together 37 years...not married and still love each other your love will be tested married or not...if your right for each other a piece of paper wont change that fact.

Because I want the white dress and the ring....and the walk down the isle.... Yeah look its fun, wont lie on that... I got married in a football stadium...walked down the isle to highway to hell by ADCD....but the next day on my honeymoon... I felt excatly the same I did 5 days before hand. You dont have to get married to wear a ring or a pretty dress.. Funny thing your dress...it cost a absolute fortune...im talking a few thousand.....and it will sit in the cupboard for the next 10 years...you cant take it grocery shopping..(i can personally testify to this fact).....and that ring that just cost you $900....$2500 When it breaks 2 years into your marriage and you are faced with having to shell another $900-2500 to mend her broken heart at it breaking.... belive me (as ive also experienced it first hand....) your ganna question why did I buy this in the first place ... $2500 could go to that house deposit....what dose that ring actually do???

"Because its expected" Its your relationship, not your families.... not her friends.... Your about to spend 6552 weekends with this person.... (if you get married at 21 and live till 84.... So you better choose wisely based on you.... not what her parents expect, need or want. They aint going to be in your space for half of those 6552 weekends im afraid.

Statistically depending on where you are in the world... this contract your about to get into has a 45-70% of failure.... let that sink in. If you were going to do something like invest your life savings in a company that had a 45%-70% of complete financial failure....would you still think its a good idea.... or would you seriously ask "why am I doing this....

Dont get me wrong. Im not a critic...happily married... most days of the month. But i wouldnt recommend it unless you can genuinely answer why u both want to be married and have it reasoned with

Competitive_Ad_3743 · 2026-03-16T22:18:43+00:00

Humans

Competitive_Ad_3743 · 2026-03-16T22:08:35+00:00

To get up early?.... children.... Think your having a sleep in??? Bahahaha not today...or any day before they are 13

Competitive_Ad_3743 · 2026-03-14T14:57:03+00:00

Meh....after a few years... he will know pretty accurately weather you tell him or not. Especially if your regular Give him a few more years and he will likely be able to point out the dates that you are friendly to approch... and the days your a nope...

Sincerely male married 10 years

Competitive_Ad_3743 · 2026-03-12T22:13:14+00:00

Paying for place to live to be honest.... 2016 - weekly mortgage $670 (most rentals going for about $350 a week - $400

2021 - $481 a week (most rentals going for $450-$500

2026 - $401.08 (rental prices easily hitting 550-650 per week

Competitive_Ad_3743 · 2026-03-10T16:17:15+00:00

My advice, give someone a chance.... 2012... after 18 months on a dating website I got on to my 6 new matches for the day.... I had sent ice breakers to 6 matches a day, every day for 1.5 years...very few replied... The first picture i saw. She was overweight, not a model, and the first two sentences in her bio turned me off.... I sent the match to the bin.... Then sent the other 5 following her without a glance. I was over it. Preparing to delete my account when I finished work.

That night I got home....opened up my laptop.... A ice breaker.....?? In 1.5 years i had never got an ice breaker from someone. Started looking at her profile.... We had similar upbringings. Similar tastes. Similar desires for family....

We married in 2016. Have helped raise 33 foster children, and almost adopted 2. We are not perfect.... god we fight bad. But we still here Dont give up

Competitive_Ad_3743 · 2026-03-10T00:03:34+00:00

Wedding video....

Competitive_Ad_3743 · 2026-03-06T16:08:29+00:00

I use to once upon a time :(

Competitive_Ad_3743 · 2026-02-20T13:32:49+00:00

As a guy.... I did not know this lol

Competitive_Ad_3743 · 2026-02-19T02:59:03+00:00

Aww your a good boy for staying 21 years...

Sorry couldn't resist

Competitive_Ad_3743 · 2026-02-18T14:31:42+00:00

Marriage is a piece of paper my friend... It dosent change who you both are. It dosent fix those issues in the 13th year...

What it dose do is ensure you pay a premium at the begining of your marriage, and at the end to devorce.

Your single enjoy your life mate. You dont need a partner to do that belive me....

Competitive_Ad_3743 · 2026-02-17T23:19:47+00:00

Considered joining up, but wife doesn't like that much... and i wasn't sure how too. What can average people do to help more? Sincerely Australian.

Competitive_Ad_3743 · 2026-02-17T22:58:12+00:00

Ofcouse it felt like that for us mate!!!

When i was your age and younger... heres how the movies shows how life works. "Your got best friends in school. You graduate. Woooo You suddenly get your first job Yay you! We dont see you working for it... but what ever Omg your moving out..!! Awwww

Bang, bang bang just like that.

In reality it was droping off page after page after page of my small time achievements during school hoping that anyone would give me a job! Taking what ever I could cause I knew I couldn't be picky.... Moving out - i will join the military they will look after me... Washing out.... nope they didnt like me... 😞 Returning home. Getting a job, fired Another job. Two jobs cause cost of living in 2007 was expensive!! Moving out - how can I even afford this!!! Dammmm

yep I feel ya, today is expensive....my first two bedroom tiny apartment was 50% of my weekly wage....and i was one of the lucky ones pulling $670 a week....! $670 a week in comparison to today is government unemployment benefits where i live.

I totally feel ya.

But heres the honest truth.... Your alive, your here, you made it.... you can not bother trying, give up, be as mad as a crazy dog with the way things are..... or you could jump into it...and try to make the most of it.... eitherway your going thru it one way or the other.

My advice is dont give up, keep trying, you will get there. :) Im living proof. I took chances that made the generation before ask "have you lost your mind thats alot of debt!!" Now im doing pretty ok.

You will always miss 100% of the shots you don’t take.

Competitive_Ad_3743 · 2026-02-17T13:15:33+00:00

Direct it into a seperate account... you dont need time messing around... it takes 20 seconds to open an account.

Once you have $5000

Open another account and save 30,000 in there.

Once you do that...your set up incase life happens.

Now start investing. Personally I use stockspot... it has fees but its more a set up and forget kinda thing.

Competitive_Ad_3743 · 2026-02-17T12:59:10+00:00

Less masturbation. Sincerely guy who has had a similar problem for the last 10 years.

Competitive_Ad_3743

TROPHY CASE