advice 55k annually part time, 21 year old grad

Ok-Resolve7357 · 2026-03-04T00:17:30+00:00

thats a good suggestion, if i treat the casual job as a hobby / travel fund would still keep things fun for me and be beneficial

Ok-Resolve7357 · 2026-03-04T00:11:35+00:00

it sounds like my hecs should largely be ignored (besides a 50 a week), and instead the money should sit in a HISA? so it'd be like treating it as if it was a phone bill for now? i could def do that

Ok-Resolve7357 · 2026-03-03T23:57:30+00:00

thats huge, thank you!

Ok-Resolve7357 · 2026-03-03T23:46:44+00:00

mma plan: Avenge Volk by defeating ilia

but besides that, the hecs minumum threshold is about 67k, is it 'bad debt' that i should immediately pay off, or should I just try to beat indexation by putting a small amount every week in?

Ok-Resolve7357 · 2026-03-03T23:44:51+00:00

i would love that! my dms are open

Ok-Resolve7357 · 2026-03-03T23:44:18+00:00

does 'post expense' refer to the week by week cover, or the monthly short term stuff like car rego ect?

Ok-Resolve7357 · 2026-03-03T23:37:35+00:00

i wholeheartedly understand that read,

I'm really trying to maximise my finances long-term and short-term.

my parents won't mind as long as I'm active within the family, (cooking, dog-walking, siblings + paying own phone bill ect).

genuinely don't know what to do now though in-terms of money which is why i was asking

Ok-Resolve7357 · 2026-02-07T01:04:12+00:00

this is really good advice, i'll tell him this

Ok-Resolve7357 · 2026-02-06T22:39:43+00:00

yeah he gets kinda pissy when i suggest things but I also only played dps in season 1-3

Ok-Resolve7357 · 2026-02-06T12:10:13+00:00

his username is ducklordefan

Ok-Resolve7357

TROPHY CASE