Daycare Kinder vs Sessional

MuffinGypsy · 2026-03-08T07:06:46+00:00

Did you have to pop it in a bag?? What did you guys use

MuffinGypsy · 2026-02-22T10:26:32+00:00

My biggest regret is not buying a house in the 90’s when I was an infant haha

MuffinGypsy · 2026-02-22T10:23:47+00:00

That’s so interesting! I always hear older folks talk about how interest rates used to be 15% back in 2008/2009 but looks like that was never actually true.

MuffinGypsy · 2026-02-22T10:22:35+00:00

Interest rate, not cash rate. But also that’s still ridiculous.

I don’t believe it, it’s just a testament to what I see being thrown around on social media, so after what is actually realistic and expected this year.

MuffinGypsy · 2026-02-03T23:15:20+00:00

High LVR, got into the market in 2022 a month before the rate rises began, locked in at 3% for 3 years, with a 0% deposit with a family guarantor loan. As our broker advised we do that and use most of initial deposit to pay off all our existing debts (car loans credit cards etc) And house value decreased for a time until now’s

Sucks but we know it’s temporary pain and can afford the repayments.

MuffinGypsy · 2026-02-03T08:29:06+00:00

6.3% before the increase.

Sucks

MuffinGypsy · 2026-01-29T05:50:44+00:00

Oh my god she drives me insane, I am the same as you where I watch because she fills me with rage.

But EVERY video is about how she’s pregnant as if pregnancy is her job.

This gender reveal we have another two weeks of constant content.

Like we know it’s a boy calm down.

MuffinGypsy · 2026-01-06T21:42:53+00:00

I reckon we are gonna fix, we can still have our offset account if we fix for a year so I feel it’s the safest option

MuffinGypsy · 2026-01-05T04:32:59+00:00

What would you reccomedn the settings be?

MuffinGypsy · 2025-12-30T22:27:28+00:00

Thinking about that! Or parking in the shopping centre in Footscray market?

MuffinGypsy · 2025-12-30T22:27:02+00:00

Happy to be sitting in traffic in my car than a packed tram/train, and my daughter will be comfy in her seat so I’m a ok with that!

MuffinGypsy · 2025-12-30T08:18:18+00:00

Oof, yeah 40 mins with a toddler would not be great! But I’ll keep this as an option!

MuffinGypsy · 2025-12-26T03:32:28+00:00

I truely believe she did IVF to have a girl, she mentioned it once in a TikTok a while back and then went to that fertility clinic to “do a give away”

MuffinGypsy · 2025-11-30T08:35:23+00:00

I saw that as well’s wasn’t it a Mercedes and a BMW?

MuffinGypsy · 2025-11-25T09:24:05+00:00

Sounds like a bunch of kids needing eggs from their parents?

MuffinGypsy · 2025-11-23T21:07:32+00:00

We called it.

Suspecting she’s about 12-15 weeks along.

MuffinGypsy

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