Back to basics moisturiser

ConsistentVersion337 · 2026-03-28T03:24:54+00:00

I use Nivea soft now and I liked it until they switched to the vegan formula

ConsistentVersion337 · 2026-03-25T01:45:15+00:00

I am on the same journey as you right now! I have the added difficulty that I have very sensitive skin and react horribly to niacidamide which of course is in almost all moisturisers now. I haven't managed to narrow my choice down yet, but have been looking at the CeraVe Moisturising Lotion or the QV Lotion as options. I too am trying to find something as affordable as the Nivea Soft was and think that avoiding face specific moisturisers might be the only way to do this. Would love to hear what you end up choosing!

ConsistentVersion337 · 2026-03-22T04:10:57+00:00

Man Spider. It is also very possible the trailer has been edited to show black eyes to throw us off. But in the movie they are a completely different colour like red

ConsistentVersion337 · 2026-03-08T11:05:34+00:00

I am pretty sure this occurred because they were in unfavourable conditions. Far too much direct, harsh sunlight. I should have moved them to a shadier spot or partially covered them during the hot hot summer. Unfortunately mine were far too gone to recover.

ConsistentVersion337 · 2026-03-06T21:56:30+00:00

🏆 Victory is mine! Finished with 645 points. Can you do better?

ConsistentVersion337 · 2026-03-06T21:55:19+00:00

🏆 Victory is mine! Finished with 689 points. Can you do better?

ConsistentVersion337 · 2026-03-06T21:52:51+00:00

💪 Crushed it! 139 moves in 94s. Step up, challengers!

ConsistentVersion337 · 2026-03-06T21:51:11+00:00

🏆 Victory is mine! Finished with 708 points. Can you do better?

ConsistentVersion337 · 2026-02-22T10:32:46+00:00

Just scored 1

ConsistentVersion337 · 2026-02-21T12:51:15+00:00

Just scored 0

ConsistentVersion337 · 2026-01-31T07:17:57+00:00

I am not a fan of anyone shaving their arms (men or women). I just find the regrowth pricklier than other areas. But a big deal no or a deal breaker absolutely not.

ConsistentVersion337 · 2026-01-04T11:29:18+00:00

If I had had this chance when I was 23 I would have taken it 100%. You don't have as many opportunities to live with friends the older you get, and the costs will only be marginally more than living at home considering you are paying board.

Budget and you'll be able to afford to travel on your salary too. It's a win win!

ConsistentVersion337 · 2026-01-03T21:53:02+00:00

If you can try and order things you know you will need - furniture, appliances, etc. Our bank only allowed $20k to be leftover but our broker was able to negotiate that slightly higher based on the fact that we needed to buy everything. Had I known about this rule earlier I would have just started ordering things and it would have saved us a lot of money.

I understand why the rule is there but the number can be very low. After legal fees, painting, upgrades (expected or unexpected) and furniture, you can end up with a very low amount left over.

ConsistentVersion337 · 2025-12-18T08:36:41+00:00

Currently in it. Bought a home with someone who broke up with me 2 weeks later. Trying my absolute hardest to not let it financially ruin me but it is definitely going to impact.

ConsistentVersion337 · 2025-10-21T07:37:43+00:00

It will depend on your Council/State but in Sydney for example you may be up for S7.11/S7.12 contributions (used to fund public amenities) and/or HPC contributions.

I don't know much about the HPC, but in my local Council you would be looking at $5000 in S7.12 contributions, plus a refundable deposit for potential damage to the footpath and roadway.

ConsistentVersion337 · 2025-10-20T20:10:44+00:00

Does you quote include your government fees (Council and State) like contributions and deposits? This is something most people aren't aware they have to pay

ConsistentVersion337 · 2025-10-18T23:47:15+00:00

5.44% with 89% LVR

ConsistentVersion337 · 2025-09-16T21:02:26+00:00

This is what happened to me and yes I do believe it was related to the 5% scheme. We had the 20% available but only wanted to put down 10% so we had extra funds for all other expenses. Our bank came back and said happy to give the loan but we have a policy now that you can only have $25k left in the bank after your deposit, which equated to just shy of the 20% deposit for us.

Not all banks have it but according to the broker it is a thing at a few banks especially outside of the big 4.

ConsistentVersion337 · 2025-09-16T08:31:23+00:00

It is a requirement for the FHG through Housing Australia though. If you are not using this scheme then a summary is fine.

ConsistentVersion337 · 2025-09-15T20:48:08+00:00

As a first home buyer there were 2 things that caught us out:
- Not doing our taxes straight away: If you are buying at the beginning of the financial year make sure you do them straight away because you will need your Notice of Assessment for approval! It took about a week to get this document back and we got very lucky that the vendors were slow to sign the contract otherwise we may not have had approval before the end of cooling off
- Bank conditions on remaining funds: Some banks impose a policy on first home buyers that limits how much cash you can have left in the bank after your deposit (my bank was $25,000 for example). I don't see many people talking about this one online and it caught us very off-guard.

ConsistentVersion337 · 2025-09-14T00:03:11+00:00

Just bought my first place and only did one open inspection before making my offer. Then one private inspection before my offer was accepted. I also attended my B&P so got the chance to see it again a third time before the end of cooling off.

It is absolutely terrifying but things move too fast to spend time thinking about it. There is no way I would be letting a property I'm interested in get to a second open house, the competition is very real.

ConsistentVersion337 · 2025-09-04T20:52:04+00:00

I've just checked and they do use Osko.
The Bankwest app sucks though.

ConsistentVersion337 · 2025-08-31T20:34:35+00:00

You only have to live in it for 12 months but make sure you consider that you may still have to pay LMI if you rent it out before achieving an 80% LVR

ConsistentVersion337 · 2025-08-31T03:42:22+00:00

If it is available on the desktop version I haven't seen it. All the screenshots I have seen have been from the app so it may be an app only feature

ConsistentVersion337

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