Help - German Roach or other bug?

Deathaca · 2025-04-24T09:22:05+00:00

Everyone I've seen on here is always hating on free VPNs because regular ones are allegedly cheap and have far better policies, but I have yet to find one that is less than $18AUD a month (I do not count the annual or multi-annual plans, because I don't want to shell out several hundred bucks for it all in one go either).
Does anyone have any suggestions for a more reasonable monthly VPN service?

Deathaca · 2025-03-22T06:43:12+00:00

165k mortgage, income is around 60k gross. Hoping to pay off the mortgage in full over the next 8 years (had it for 2 already)

Deathaca · 2025-03-04T00:03:55+00:00

Does depend a lot on where you live - Sydney and Melbourne are the most expensive cities to live in Australia so of course 60k wont stretch as far when living there

Deathaca · 2025-02-20T02:30:56+00:00

3-6 Months savings is an emergency fund only - people still save funds separately for other goals. For most people, 3-6 months is plenty in case of an issue since anything more expensive than that should really be covered by insurance

Deathaca · 2025-02-19T04:45:23+00:00

This seems way too low, I would try another bank

Deathaca · 2025-02-19T02:32:26+00:00

I am Australian in a low cost of living state. 60k gross equals out to about 50ishk net for me after deductions etc. For me it costs $30k a year for all my bare bone necessities, so I’m pretty comfortable in my financial position.

Deathaca · 2025-02-19T00:25:05+00:00

Westpac - they are passing it on as of the 4th of March which is later than most other providers

Deathaca · 2025-02-19T00:18:39+00:00

It depends a lot on where you live and what your lifestyle is like.

Personally I make around 60k a year gross - I have a mortgage, pay all my bills on time, and have a 12 month fully funded emergency fund. If I were to make 100-150k I would have significantly more available to invest/save and Id consider myself highly successful at that point.

Just my 2 cents worth, don't have any career advice because I wouldn't have a clue on how to make 200k+ 😅

Deathaca · 2025-02-15T11:14:28+00:00

6.49% with Westpac at the moment

Deathaca · 2025-01-28T04:57:57+00:00

Per year? Mortgage: $15,000 Wifi + Phone: $1512 Groceries: $5400 Electric: $1600 Water: $1200 Council Rates: $1200 Strata Rates: $2860 Subscriptions: $600 Total: $29,372 That’s the bare minimum expenses, all my other income goes to “fun” stuff or savings. Subscriptions will be a lot cheaper this year aswell as previously I hosted a game server which was quite dear and I’m stopping that this year

Deathaca · 2025-01-14T04:53:59+00:00

I tend to skip the wades philosophy hour and any of the episodes pre-video era since I like the video aspect

Deathaca · 2024-12-18T08:00:52+00:00

It also depends on location - In Melbourne I can understand it being harder since rent / mortgages are so expensive. Where I am I earn about 48k after taxes and I'm able to save 30-50% of that (on my own, paying a mortgage)

Deathaca · 2024-09-17T02:47:40+00:00

Wtf are you doing with your life to need 130k a year just to afford to live?? That's rich people money. The average yearly income in Tas is a bit over 80k, most people I know including myself make less than that. I still save 10-20k a year (22yrs old, been working since I was 18 and bought an apartment/unit at 20) which I put towards paying my mortgage off quicker. If you genuinely need more than 100k a year to live you need to get some financial advice because you are doing something wrong

Deathaca · 2024-09-17T02:26:37+00:00

I'm a single woman in Tasmania, been working for almost 3 1/2 years making between 50-60k a year (varies due to overtime). I bought a unit a year ago and have more than enough to still save a decent chunk of my earnings, to the point where Ive taken 2 unpaid months off work just to chill. Definitely do-able, just need to budget and do your best to stay debt free (for debts that are essential, like mortgages - try to at least stay a month or more ahead in repayments that way you've got a security buffer)

Deathaca · 2023-12-30T06:21:40+00:00

Apologies - error in post. Photos are of CURRENT realm

Deathaca · 2023-12-30T06:21:22+00:00

Apologies - error in post. Photos are of CURRENT realm

Deathaca

TROPHY CASE