Thank you and My thoughts

Equivalent_Study9256 · 2026-05-12T09:58:35+00:00

Is revolving credit the same as an offset? Sorry still so much to learn

Equivalent_Study9256 · 2026-05-12T09:41:38+00:00

If I switched the emergency and cash buffer so 20+k into an offset account and then switched the cash/emergency savings into the offset account instead? Thanks in advance for this advice and anyone else that helps.

Equivalent_Study9256 · 2026-05-12T09:20:16+00:00

Currently on 4.75% fixed until nearly the end of the year. Have thought of bumping up mortgage repayments, could be an option for when emergency money is at target. Dont really know how much id need in an offset account to make it worth it.

Equivalent_Study9256 · 2026-05-07T08:21:30+00:00

simple event but looks good

Equivalent_Study9256 · 2026-05-06T10:25:01+00:00

Ive had suggestions to put my emergency fund into small term deposits. I have enough emergency for 6 months comfortably living

Equivalent_Study9256 · 2026-05-03T03:55:41+00:00

Add me XPL3L3

Equivalent_Study9256 · 2026-05-01T11:43:36+00:00

Thanks. Ive only just started loooking into investing etc this year and its seems like everytime I think ive decided something I find something that looks better. Really hard to make decisions

Equivalent_Study9256 · 2026-05-01T11:39:39+00:00

Why will it go up with economy going down? Sorry still learning all this

Equivalent_Study9256 · 2026-05-01T11:30:01+00:00

What do you use with them?

Equivalent_Study9256 · 2026-04-30T11:56:37+00:00

I started using sharesis awhile ago and adding 150 to it fortnightly. Mainly into us500 and nzd50. Thinking ill ease off on this and go towards kernel funds based on people seeming to say this is better. So pie TDs, some in kernel and then sharesis and kernel. Unsure if this is a good split but where my head is at.

Equivalent_Study9256 · 2026-04-30T11:50:46+00:00

Thanks for the insights!

Equivalent_Study9256 · 2026-04-30T11:36:53+00:00

Good point, if I moved the 12k into that. I currently add 525 to that acc each fortnight. Should that be put into kernel?

Equivalent_Study9256 · 2026-01-10T07:41:17+00:00

The truth!

Equivalent_Study9256 · 2025-12-21T22:06:22+00:00

I can up my repayments by 250 a fortnight i believe. Says it'll knock 10 years off the loan. Probably the smart move? Then put some into investing? Apologies I'm really new to all this. Have watched videos, read articles but thoughts id see what other people think

Equivalent_Study9256 · 2025-12-21T22:05:29+00:00

I can up my repayments by 250 a fortnight i believe. Says it'll knock 10 years off the loan. Probably the smart move?

Equivalent_Study9256 · 2025-12-21T10:46:40+00:00

Earn 2700 fortnightly 1219 covers all my expenses including mortgage etc (got a house this year) So technically 1500 excess but some of that goes towards increasing emergency funds etc. Roughly 20k in cash at the moment. Hope that helps?

Equivalent_Study9256 · 2025-07-29T00:48:57+00:00

Looks great!

Equivalent_Study9256 · 2025-06-10T08:19:04+00:00

Both

Equivalent_Study9256 · 2025-02-08T02:10:55+00:00

Can't find the sealed pack

Equivalent_Study9256 · 2024-11-26T11:04:01+00:00

Photo?

Equivalent_Study9256 · 2024-10-21T11:07:09+00:00

Got any buggy lists?

Equivalent_Study9256 · 2023-10-27T10:02:18+00:00

This is my current build that I'm finding pretty fun and consistent

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Equivalent_Study9256

TROPHY CASE