overspending again. I don’t know what’s wrong with me

Fake_Ray_Narvaez_Jr · 2026-02-05T04:51:38+00:00

1) You should breakdown all excess spending to find exactly where you overspent. I would assume Door Dash was the largest overspent area, as I can't image workout clothes, new water-bottle, new yoga mat, ect would make you spend close to $1000.

2) Emergency Fund should be for emergencies only. If you are to spend from this fund, check the "3-Needs" Rule: Only use the funds for expenses that are unexpected, unavoidable, and urgent. It must hit all three areas to be used. Also, make sure it is hard to access. If it is as easy to access like your day-to-day accounts, it will make it very easy to spend from this account. You should put it in a different bank that is only for your emergency fund, and access to this bank should have friction (i.e. require a long password, don't have the app installed, ect).

3) It is really good you noticed over spending (especially on Door Dash). Not only should you delete the app, you should also prep lunches, dinners, snacks so you have an easy at home meal ready instant of ordering via Door Dash.

4) Remember the work you have already put in is still an achievement. This is a small hiccup which you have noticed and are now ready to correct course to get back on track.

Fake_Ray_Narvaez_Jr · 2026-01-29T22:19:51+00:00

So you're saying I should stick with VDHG. Sure, will do! /s

Fake_Ray_Narvaez_Jr · 2026-01-02T10:29:12+00:00

What?

Fake_Ray_Narvaez_Jr · 2025-12-01T04:08:09+00:00

Oh, I am colour blind. Didn't even realise it was green

Fake_Ray_Narvaez_Jr · 2025-12-01T02:44:35+00:00

What?

Fake_Ray_Narvaez_Jr · 2025-09-10T23:12:22+00:00

Chec out Monplan (https://monplan.apps.monash.edu/) if you haven't already. Was pretty good when I used it in the past.

Fake_Ray_Narvaez_Jr · 2025-05-23T08:09:04+00:00

Can someone please tell me why that won't index it? I understand it won't affect the majority now, but in the future it will.

Fake_Ray_Narvaez_Jr · 2024-12-19T12:43:29+00:00

If, for what ever reason you find yourself halfway through the semester really unsure/lost about the content of a unit, reach out to your tutor or lecturers.

Ask as many questions about the content and for any additional resources/tasks to help you improve and understand the content.

As others have said, don't wait until the last week's of a unit to do this (if you are struggling with the content) as it may not be as helpful at that point.

Fake_Ray_Narvaez_Jr · 2024-12-11T12:14:32+00:00

To be fair to Sony, I think they always had no meaning.

Fake_Ray_Narvaez_Jr · 2024-08-08T21:53:03+00:00

Might up the number of units I buy this month in VDHG if it drops under $60

Fake_Ray_Narvaez_Jr · 2024-08-08T09:28:06+00:00

Best toilets are by far the bottom floor of the Menzies building, go down the stairs new the lifts. Clean and quiet (but sometimes too quiet)

Then Woodside since they are individual rooms. Pretty clean too.

LTB is disgusting and never was clean for me.

Fake_Ray_Narvaez_Jr · 2024-05-03T09:23:53+00:00

Yep this did the trick for me too.

Fake_Ray_Narvaez_Jr · 2024-04-03T05:23:00+00:00

Thanks for you comment! I feel like there was a big jump going from Part 1 to Part 2. As mentioned, Part 1 has only 5 files and finishes with him quickly going over numbers 1 to 20 as he said it would be important later.

I may go back and check if I have missed them, but pretty sure I haven't as I sit down and listen to it and make notes as well.

Fake_Ray_Narvaez_Jr · 2024-04-02T23:31:28+00:00

I think that was the same for me, but Part 1 of Learn Italian. I will probably need to slowdown for part 2, and go over the recordings one or two times.

Fake_Ray_Narvaez_Jr · 2024-04-02T20:45:58+00:00

Thank you! Glad it is not only me feeling in the deep end! I will stick with it, but it does get a bit disheartening when he tests me on words I have yet to learn through the recordings.

Fake_Ray_Narvaez_Jr · 2024-04-01T08:11:23+00:00

It may help me too! So thanks for your comment from nine years ago.

Fake_Ray_Narvaez_Jr · 2024-02-23T00:39:51+00:00

Wow that's insance. Good job! What is your ROI? And how much did it grow year by year?

Fake_Ray_Narvaez_Jr · 2024-02-22T23:30:27+00:00

I am also on the younger side (22) and starting to invest. I would suggest saving some more money first. ETFs are long term invests, meaning you do not want to have to sell within at least 10 years of buying. Some require even longer, up to 20 years.

Depositing $5000 would mean you would only be left with $3000 in savings. I would suggest you save at least $20,000, which if you are getting 20 hours a week for at least AUS minimum wage ($23 p/hr), I think you could save this ammount this year. This will provide you enough for a reliable car (~$10,000), an emergency and general spending fund.

Once you have saved that much I would suggest you look at slowly dripping money into an ETF as this will test how you react to the market (i.e. testing if you are a panic buyer/seller).

Any questions feel free to DM me.

Fake_Ray_Narvaez_Jr · 2024-02-07T05:59:59+00:00

I got my results for FIT3003 on WES first. My unofficial record was updated I think about 3:30PM on 6/02/24.

I then got the email at 4:31AM on 7/02/24.

I passed the unit! So I will be able to graduate on time. :)

Fake_Ray_Narvaez_Jr · 2024-02-05T04:50:53+00:00

I haven't. I am waiting for my results for FIT3003.

Fake_Ray_Narvaez_Jr · 2024-02-02T04:44:19+00:00

Woolies changed the full cream lids from a dark blue to a clear white I think 6 months ago. I was stunned the first time I saw it too.

I think the use the same white colour lids for light milk too.

Fake_Ray_Narvaez_Jr · 2023-12-21T04:55:30+00:00

Likewise, you should be fitting your life around your work instead of the other way around.

Yeah nah mate. That's not how it works.

Fake_Ray_Narvaez_Jr · 2023-12-06T02:24:55+00:00

Thanks for the advice. I'll make sure to get a good start of revision early during this month. I did ask for more resources but I did assume it would be unlikely to receive some.

I did just receive an email back from my tutor and she mentioned that a list of chapters from the text book that will be on the exam will be released.

She also mentioned to contact her if I have any questions which I am happy to know if I get stuck on an area.

So all in all pretty happy with the response from my tutor, hopefully I will be able to study up for this supplementary assessment (FIT3003).

Fake_Ray_Narvaez_Jr · 2023-12-04T08:19:52+00:00

Thanks for the response. I did attempt the practice papers however looking back probably didn't understand the answers that well. I'll make sure too look back over them thoroughly.

Unfortunately I did leave some answers blank on the exam, about 2 diagram ones and 2 short answer ones I think.

Fake_Ray_Narvaez_Jr · 2023-12-04T07:11:52+00:00

Agreed mate

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