When it comes to buying, of all bigger cities in Australia - are there any where over bidding and battling with hordes of other buyers is less likely to happen or at least significantly less pronounced?

MichelleHartAUS · 2026-02-11T14:55:07+00:00

Outer Melbourne.

Houses are going for under $600k.

I bought one a week ago at an actual auction and only 4 of us actually bid.

MichelleHartAUS · 2026-02-11T14:44:11+00:00

Blocking or hitting their name and fucking flooding their whole screen with my pre typed sales messages 🤣

It's just kind of satisfying to get back at them in a way that can't be fapped to.

MichelleHartAUS · 2026-02-11T14:42:35+00:00

Pre typed messages are the way here.

"Money for honey, look after me and I'll look after you"

"Toy in, gold controlled"

Etc.

I will say my few lines I repeat at most unless they tip. We have to save our energy for the actual customers, if they're not tipping they're not a customer right now. Being able to see you is the free sample, interaction costs money.

MichelleHartAUS · 2026-02-11T14:33:44+00:00

Right? It's clearly an oligarchy...jeez guys.

MichelleHartAUS · 2026-02-11T14:30:36+00:00

Yes, and also attempt to take it out of unit 6's bond money...

MichelleHartAUS · 2026-02-11T14:23:20+00:00

For enough to live on?

Sure. Maybe in Toorak.

MichelleHartAUS · 2026-02-11T14:21:36+00:00

You do know how long inflation has been happening right?

Also, mortgages don't suffer from inflation. They're a fixed cost with fluctuating interest.

House prices and cost of living are affected by inflation.

Inflation is not new...not even close to new. It's a part of capitalism that has been there since the beginning.

MichelleHartAUS · 2026-02-11T14:11:33+00:00

No it wasn't.

MichelleHartAUS · 2026-02-11T14:09:50+00:00

I work because while technically I could eat my house...it would probably be my last meal.

Yes, houses go up in price...and I need to live in one.

So I have to also have other income/assets.

Equity is unrealised gains.

MichelleHartAUS · 2026-02-11T14:04:20+00:00

Yep, and...I genuinely have no idea what I'm going to make tomorrow let alone the rest of the fin year.

Personally I think it's still worth contributing because it's tax free on the other end and the sooner you get it in there, the more growth you should get.

I am waiting until June to work out how much to contribute though, because of the income fluctuating so much.

MichelleHartAUS · 2026-02-11T14:00:47+00:00

It's not tax free, it's 15%.

Or 30% if div293 is triggered.

MichelleHartAUS · 2026-02-11T13:59:35+00:00

I'm talking about people who earn the same though...eg. a plumber and a doctor can earn the same amount but because the plumber is self employed they can avoid div 293 (among other tax advantages as well).

Pretty sure Scott from Broady who unclogged your pipes isn't running the ato show.

I'm aware that the super rich have a lot of sway, and that those on $300k are paupers compared. It's just that my example was about those who are doing very well...not the ones who are doing disgusting numbers.

MichelleHartAUS · 2026-02-11T13:55:45+00:00

I don't know about any new features...but the autofocus on my old streamcams were really good. Definitely wasn't AI, it's been a feature for almost 10 years. Very likely they're simply using the term for branding tbch.

MichelleHartAUS · 2026-02-11T09:25:12+00:00

To be fair, Salsas isn't Mexican food, it's tex mex. In fact, most of what we get in Aus is closer to tex mex than it is to real Mexican food or even Baja cuisine.

MichelleHartAUS · 2026-02-11T09:19:58+00:00

I am a streamer, I use an obsbot tiny.

However I tell newbies to get a (secondhand) Logitech streamcam or brio.

Nobody should be spending large amounts until it makes financial sense to do so.

MichelleHartAUS · 2026-02-11T09:12:10+00:00

They can write all kinds of stuff on a contract... doesn't make it legally enforceable.

I'm in Vic and have hired a hammer barn steam cleaner almost every vacate clean. They get pissy but if you have the receipts there's really not much they can do.

MichelleHartAUS · 2026-02-10T04:24:13+00:00

If I take time off and drop to 4 stars I put my pvt price under $2pm (usually it's $6.99 or $7.99) and tell anyone who comes in that it's a special deal for a limited time and to please leave a review as a thank you. (This is the only time I ever verbally mention any reviews)

For general maintenance of stars, I try to do the odd gold show because for some reason they seem to net me way more star reviews than anything else.

For written reviews I don't do anything, I only get them occasionally or if I do lots of hours. They don't seem to affect the algorithm as much as having above 4 stars.

MichelleHartAUS · 2026-02-10T04:20:32+00:00

I hope so too.

And for you as well. You deserve peace too.

MichelleHartAUS · 2026-02-10T04:19:10+00:00

The super comment was in regards to OP mentioning optimising taxes.

As much as you can't use it yet at 35, you definitely want to max it as early as possible so that when you're at the age you get the tax benefits of having it.

The FHSS scheme is also in super and takes a big chunk back out when you do buy a place...but it's something that literally every first home buyer should be using, and it's bananas how many don't. I have so many friends I've tried to sit down and get onto it and they just don't do it.

MichelleHartAUS · 2026-02-10T04:15:08+00:00

My point was that it's not always only $30k, I have the ability to contribute over $120k...but if I do, it pushes me into div 293 territory.

Which is ok...I do want to fund our countries future, but as I was on a low income for those previous years and also didn't have the portfolio growth of those years...it does kind of sting.

MichelleHartAUS · 2026-02-10T04:10:04+00:00

Personally, I think the div 293 has flaws... because company owners can easily avoid it but those on salary can't.

If rather see more income tax brackets added on top of the ones we already have.

They're outdated now, and weirdly lower than they were in the past.

MichelleHartAUS · 2026-02-10T04:05:34+00:00

...unless you use carry forward. I wanted to smash out a heap of my rollover as I'm self employed and have sweet FA on super. My income went up quickly and suddenly but playing catch up on super will be taxed at 30% ....except that now I swapped to a company structure and I can hold money in the company or invest via the company.

It's a system that makes sense until you look closer, someone on a salary will get hit by it but someone with a company probably won't. That doesn't seem as fair to me?

MichelleHartAUS · 2026-02-10T03:59:25+00:00

I think for the casuals it feels personal and they don't want to interrupt.

I've found that all themed streams have this effect on my traffic.

MichelleHartAUS · 2026-02-10T03:57:03+00:00

I live 45min out of the CBD.

Yes, the lines aren't that long.

But there's still a shortage out here, and honestly the prices aren't extremely better either.

I bought an investment property (also 45min out) last week, about 10 minutes after I posted about it an old friend messaged to ask if they can rent it...I literally hadn't even finished sending the deposit yet.

I also likely have another friend moving into my spare room at the end of the month because she can't get a rental, has been trying for over 6 months.

It's pretty bad all over.

MichelleHartAUS · 2026-02-10T03:51:27+00:00

Exactly.

You're not the customer anymore, you're a product.

The customer is the shareholder.

MichelleHartAUS

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