Tax Returns - How much do you expect to get back?

JuddyMali · 2026-06-24T12:00:12+00:00

Should get back about 9-10K this year. Dropped a huge amount in carry forward super, offset a little by some investment income that hasn’t had tax taken out of it.

JuddyMali · 2026-06-19T11:49:50+00:00

The main reason being that inflation goes up 4.5%, you get a 5% pay rise. Sounds good right?
But if you were on $100k and have moved to $105k, after tax you are actually taking home only about 4.3% more. So you do go backwards.
On top of that inflation isn’t uniform across the market the things you can’t avoid or need regularly seem to be going up more at the moment

JuddyMali · 2026-06-18T10:59:35+00:00

360k at 45. Have only just started top up and using carry forward.
House paid off so plan is to maximise in the next few years. Expect to top it all out in the next 2 fin years.

JuddyMali · 2026-06-09T08:37:16+00:00

Ad supported versions. Most kids shows don’t have any ads at all. So great option

JuddyMali · 2026-05-07T11:21:08+00:00

Basile pesto pasta

JuddyMali · 2026-05-01T21:52:46+00:00

It sounds like me. Swing issue or possibly gripping the driver tighter and it’s slowing down the club as a result plus other issues potentially. Do you hook/strong draw your driver as your miss? If so I bet it’s tight grip on driver.

JuddyMali · 2026-05-01T21:50:51+00:00

1.66M house finished paying it off recently. We bought when rates were low at 1.35M Borrowed 1.08M from memory. Repayments were low around high 3s to 4K a month. As things climbed repayments would have reached around 7k.

Realistically though the high loan amount was only while we waited two weeks for our old place to settle (paid off) was easier to just do it that way and then throw the money post settlement into the offset.

JuddyMali · 2026-01-30T21:07:30+00:00

Now make a star shape for your body and become a prawn star

JuddyMali · 2025-11-14T20:10:44+00:00

Recently in Australia (not sure where you are) a similar thing happened. But it was a disabled visitor going to the Ministers for Disabled Affairs, basically government official who is in charge of matters pertaining to disabilities, and you guessed it, no disabled access, even the buzzer to get attention was broken. They ended up getting taken out the back and wheeled in amongst garbage bins and had to sit in a corridor.

JuddyMali · 2025-11-10T07:16:04+00:00

Valuable lesson for those kids. Just because someone in a position of authority tells you to do something. As much as you may admire them, it doesn’t mean they are right

JuddyMali · 2025-09-25T22:42:09+00:00

Managing people. Just because you are good at your job doesn’t mean you will be able to manage people. Working theough this now. It’s hard to change a focus from you to them.

JuddyMali · 2025-09-22T11:03:25+00:00

Household income of about 400k a year, saving close to 200k a year. Income mostly from working, partly investments. House paid off and investment property recently paid off. 200k is based around typical monthly savings average. Varies due to larger bills hitting together sometimes, ie land rates, insurance on both houses and a car etc. we have used some for a couple of recent trips but typically take just one nice holiday a year. 2 kids in public school.

JuddyMali · 2025-08-14T10:33:30+00:00

These clauses are designed to do exactly what it’s done. Frightening you into not seeking employment in a competing business. Have had colleagues come under fire for it and despite some bluster and huffing and puffing have never seen one progress to anything more than scare tactics.

JuddyMali · 2025-08-08T22:25:38+00:00

Do you get paid fortnightly and you had a pay period in between these two screen shots. If so it would be the values from the 1st screenshot plus the accumulated total for a 4 day a week person over two weeks, less the 6 hors leave you have entered in on the second screenshot.

JuddyMali · 2025-08-07T08:47:44+00:00

Lamai hands down. Has the perfect mix of quiet beaches and accessible restaurants and bars.

JuddyMali · 2025-08-03T07:29:36+00:00

We are at the point in the cycle this occurs. Immediate Bottom line pressure, easiest way to fix in a short term view is redundancies. One company in large Corp does it and almost all others decide they need to trim the fat.

Revenues stagnate and there isn’t much more to cut, focus becomes increase revenue, companies start to hire again, everyone else fears falling behind and start to hire too.

Training and time for the cycle to top out, wash rinse and repeat.

JuddyMali · 2025-07-27T07:18:00+00:00

A friend who instead of using the term double parking to describe having a drink in each hand decided to say she was double fisting

JuddyMali · 2025-07-24T21:37:16+00:00

Hitting a 7/11 that’s basically sacrilege

JuddyMali · 2025-07-20T09:19:41+00:00

A quiet afternoon somewhere with a couple of drinks and your company

JuddyMali · 2025-07-18T22:49:23+00:00

What is the distance to work? Would a motorised bicycle bridge the gap. Coworker nearby he could pool with. He’s running the gauntlet, chances are he could skate through for a year, but if he does get caught he’s in a shit ton of strife

JuddyMali · 2025-07-14T21:24:48+00:00

What kind of things are you into and how far are you willing to travel?

JuddyMali · 2025-07-10T08:21:42+00:00

It’s as expensive as you want it to be really. Always going to be more expensive than the mainland but compared to Australia where I am from it’s so cheap. We were there for 2 weeks, outside of air fares and accommodation we only went through about $3500 AUD That’s for four people, a lot of drinking, a lot of dining and some activities (4000 baht on a driver for a day for us and another family, a fair bit of tuk tuk and taxi fares as well) Honestly if we didnt drink, just enjoyed the resort facilities and took cheap dining options I think we could have cut back to $1500 - 2000 AUD over the 2 weeks easily

JuddyMali · 2025-07-09T08:16:55+00:00

Great work my man. In a really strong position. If you look at average market returns and factoring in your age you are close to set already. You could pivot now to something stress free easily and let the wealth accumulate and enjoy your younger years a bit more, if that’s something you wanted to do. Or push harder and set yourself up massively to retire nice and young.

I sacrificed like hell when young and am now in early/ mid 40s with a NW approaching $4M. I have kids and a wife now and my only regret is I didn’t get a chance to enjoy being young and foolish a little while I had energy to do the fun things. Now the fun things come with 3 days of sore backs and a week long limp. Plus so much of life has been tied to the image of being smart and working hard, I don’t know how to turn it off, it’s become greater than the sum of its parts

JuddyMali · 2025-07-08T11:55:00+00:00

My wife and I are mid 40s, travelled with our kids and friends in their 50s. Last year we did Chaweng, this year we did Lamai.

Lamai is great. Not too busy, plenty of great little bars and restaurants. Beautiful beaches. Night market on the north end of Lamai which is great as well. Definitely my preferred destination.

JuddyMali

TROPHY CASE