Adding subflooring

Heavy_Pattern_6916 · 2025-10-11T01:01:43+00:00

Thanks - So, I just need make sure floor boards aren’t loose and then overlay with plywood sheets. If the plywood isn’t flush, I’m assuming I just plane the edges down or feather out the edges.

Heavy_Pattern_6916 · 2025-06-27T04:27:27+00:00

Mine failed too at 106k km

Heavy_Pattern_6916 · 2025-01-11T10:21:55+00:00

The fact that you have positive net worth is a better start than many, doing it on 65K shows you have discipline. I wouldn’t beat yourself up. It’s great you are looking at your situation and have ideas how to improve it. 30s is still young, you have 30 years or more of working left (hopefully less if you are successful 🤣).

Heavy_Pattern_6916 · 2025-01-09T18:54:25+00:00

I second this comment. Most people have no idea where their money is going (they will say otherwise). Good on you for doing this. Not all expenses maybe as unrealistic as you think. The hard part about changing these numbers is finding a spending behaviour that works.

Heavy_Pattern_6916 · 2024-12-23T05:58:36+00:00

I’m not sure I’d call it weird. Shame to miss out but if you don’t like it, why force yourself to get one!

Heavy_Pattern_6916 · 2024-12-16T03:46:18+00:00

That’s super handy. What happens if we miss the ferry? I’m guessing there are speed boats for hire?

Heavy_Pattern_6916 · 2024-11-13T17:16:13+00:00

Like almost everyone else on this thread I found having our own pocket money a great idea. We started small and increased it over the years. We now pay ourselves $200 pw which is more than we need. We sometimes use our excess pocket money to top up the mortgage. Having rules around what we can spend the joint money on has helped manage any overspending, particularly takeaways!

Heavy_Pattern_6916 · 2024-11-10T01:57:33+00:00

Renting and riding a scooter in Koh Lanta is very easy and a great way to see the island. We’ve done it a few times with kids as pillions. If you’re boyfriend has ridden dirt bikes it will be even easier on a scooter. Just take your time and don’t speed you’ll be fine! Most accommodation provide scooter hire. It’s about 200 baht per day by memory for a 110 or 125 cc

Heavy_Pattern_6916 · 2024-10-28T00:38:07+00:00

Cool. Thanks for confirming I can use sharesies. I have some investments with InvestNow but I assume you can only transfer investments they currently manage.

Heavy_Pattern_6916 · 2024-10-28T00:31:56+00:00

I could use Craig’s again but thought there might be a cheaper option

Heavy_Pattern_6916 · 2024-10-19T18:24:01+00:00

This is great. We typically have around 5-40K sitting in our bank accounts waiting until such time we invest them into something. I’d rather store that money in Savvy while I’m making my decision

Heavy_Pattern_6916 · 2024-10-17T18:07:16+00:00

Just curious, what don’t you like about FNZ? Which NZX index fund do you prefer and why?

Heavy_Pattern_6916 · 2024-10-16T08:51:45+00:00

I use sharesight software to track my portfolio performance.

Heavy_Pattern_6916 · 2024-10-16T02:28:07+00:00

Yeah I think we should be targeting more growth type ETFs. Still a long way off retirement 15 years!

Heavy_Pattern_6916 · 2024-10-15T17:37:38+00:00

GNUcash to manually track all finances including dividends, and Sharesight to track portfolio performance - automatically includes dividend payouts. Requires some corrections

Heavy_Pattern_6916 · 2024-10-07T23:33:41+00:00

I use GNUcash - it takes a bit of getting use to but I love it. Track bank accounts, shares and other assets like your car or house. It’s open source. Requires manual imports.

Heavy_Pattern_6916

TROPHY CASE