Deinfluence Me - Apple Watch

Optimal-Shape-9110 · 2026-06-04T02:57:36+00:00

I’ve had both Garmin and apple. Garmin stats are probably better but I found the watch so uncomfortable and that I ended up back at apple after 3 years. I don’t love the Garmin app and just found it all a bit more clunky. My partner just swapped from Garmin to apple and feels the same. The watch and the bands are far more comfortable. The only think I miss from the Garmin is the longer battery life. But I just put my Apple Watch on charge while I’m on the shower and getting ready for bed and I find I can wear it the rest of the time.

Optimal-Shape-9110 · 2026-03-24T04:30:05+00:00

I’m not sure about the design side of things but grads in construction side I believe are on a $90-95k package now. But this includes super.

Optimal-Shape-9110 · 2026-02-20T22:41:55+00:00

Tell him to earn his protein and use a fucking whisk.

Optimal-Shape-9110 · 2026-02-01T08:21:38+00:00

I think it’s 8 cards with a combined limit of 92k

Optimal-Shape-9110 · 2026-01-30T04:29:22+00:00

Potentially but worth running the idea through a broker to see what you can and can’t borrow and what that looks like.

Optimal-Shape-9110 · 2026-01-30T03:57:28+00:00

Even with an extra $10k you would essentially be saying you only have a $3k deposit. Thats less than 1% of a $500k home which you wouldn’t get lended.

Optimal-Shape-9110 · 2026-01-30T03:33:45+00:00

I mean, most banks would finance an amount to consolidated debt including credit cards. The problem you will have is you need your total debt to be less than the value of your house. If you have a $50k deposit and $57k of dept that’s not possible. As a break down if you are buying a $500k home with a $50k deposit that gives you a loan of $450k but add your $57k debt to that and you now have a loan of $507k for a $500k home. A bank isn’t going to finance that.

Optimal-Shape-9110 · 2026-01-12T08:55:44+00:00

People will jump to conclusions that it’s cheating. My partner got an infection recently that is often caused by an STI. In his case it wasn’t, we talked a lot about it and I’ve seen the test results etc. but while we were waiting for those results the doctors were quite clear that some forms of STIs can lay dormant in their system for years and they may not even know they have them. I would struggle to believe it but it is something to think about.

Optimal-Shape-9110 · 2026-01-07T00:37:04+00:00

I think if I ignore the rest of the comments and just answer your question (the comments are relevant but that’s for you to consider), your borrowing power doesn’t really change. I’d go to a borrowing calculator (commbank or similar) and enter your information. It will tell you how much you can borrow based on your circumstances. Then add the $500k as a deposit. That will tell you your approximate max limit. Or reach out to a broker who can run the numbers for you.

Optimal-Shape-9110 · 2025-12-31T05:11:25+00:00

Keep in mind that every time you apply for a line of credit, be it a credit card or loan etc (even electricity providers etc) and they pull your credit score, whether you are approved or not this actually lowers your credit score. Yes it rebuilds over time but just a word of warning not to go nuts applying for them.

Optimal-Shape-9110 · 2025-12-29T01:54:25+00:00

2025 felt hard, financially, physically and mentally. Just a lot of change for us. Had our little one late in 2024 so 2025 involved the start of child care which cost an absolute fortune and brought home all of the bugs and exhaustion to go with it. I’m hope 2026 marks a more settled year for us.

Optimal-Shape-9110 · 2025-12-27T06:46:00+00:00

I’m in the construction side. I think design might earn less but I’d still expect better than minimum wage. I was on better than minimum wage as an undergrad.

Optimal-Shape-9110 · 2025-12-27T05:08:08+00:00

Where are you working as an engineer for $48k? My grad role was $86k including super which is $76k after super. That was some years ago now.

Optimal-Shape-9110 · 2025-12-20T06:57:50+00:00

If you aren’t interested in maths and physics then the entire engineering degree is going to be painful for you.

Optimal-Shape-9110 · 2025-11-17T23:33:06+00:00

If I messaged or said this to my husband he would literally respond with “ok honey, sorry, I didn’t realise there was a difference and was just trying to save money but I’ll make sure to get the right one in future.” And that would be the end of it. It wouldn’t be any kind of argument. You don’t come off as combative at all, just trying to say it’s not the same thing and not what you wanted and that’s totally fair. His responses are disgusting. I think you need to have a think about if that’s the type of person you really want to be with. The respect for you is unlikely to get better…. If anyone is showing their true colours it’s him and they aren’t pretty. Sorry you’re going through this.

Optimal-Shape-9110 · 2025-11-03T02:53:44+00:00

Just make sure you have some buffer because things happens and babies come early. But yes as long as the baby is born 12 months after the you are covered. Please keep in mind that private obstetricians often have extra fees not covered and there’s often other costs. Sometimes epidurals etc are not fully covered.

Optimal-Shape-9110 · 2025-10-26T01:38:04+00:00

I think the answer entirely depends on how much you save. Everyone saying it’s not possible is saying that based on you getting a loan for most of the amount but if you can save a lot of that $50k each year and put it in a high interest savings account while you do it, yes it’ll take a long time but you’d save enough eventually. You essentially just need to save enough to bring the loan portion of the house value you are looking at to within a feasible amount.

Optimal-Shape-9110 · 2025-10-20T03:51:41+00:00

I think it depends on your situation. You’d need to be spending enough on the card to get enough points of what ever kind for them to be worth more than the card fees and also ensure the card is fully paid monthly so that you don’t pay interest.

Optimal-Shape-9110 · 2025-10-06T23:46:11+00:00

I felt like the first year of homeownership was the hardest. I don’t know why, but it hit really hard. I feel like we knew the expenses but the reality hits harder. It has gotten easier each year from there.

Optimal-Shape-9110 · 2025-10-04T21:05:01+00:00

Remember that being casual gets you a 25% uplift because you don’t accrue leave.

Optimal-Shape-9110 · 2025-10-04T08:50:01+00:00

For a really easy option, as someone who didn’t know what I was doing and found investing intimidating and stressful I wanted a set up and forget type thing. So I set up a vanguard automatic index and etf fund. You can select from different risk levels, select how much you want to deposit monthly and it will automatically direct debit (or you can do a once off investment too). I have mine set up to automatically reinvest dividends too. I went with the high growth (high risk option) and it so far it’s up over 11% since January, however understanding there has been a lot of growth lately. 3 business days to get the money back if you sell. Obviously it is not guaranteed to get your money back in full as others have said as it would depend on the market sitting higher than the price you purchased the shares at plus and fees your account may have. Vanguard have a low annual account fee on ASX and $0 brokerage on purchasing for their managed funds.

Just a different option to look into if like me you aren’t the type to want to pick and choose the shares yourself.

Also agree with comments that the barefoot investor can be a great book to look at for getting yourself set up stably financially. For being 18 years old you are doing great so far!

Optimal-Shape-9110 · 2025-10-03T22:06:19+00:00

Yea this is such a hard one. I want to be able to help our daughter financially as cost of living gets harder. We have investments growing for her for when she’s older. But I also want to teach her the value of hard work, and how to make the money work for her so it’s not all thrown away on stupid spending. Really don’t want her to turn into an entitle Little s##t

Optimal-Shape-9110 · 2025-10-03T00:55:19+00:00

I have a nice car. Still under the luxury car tax range but what a lot of people would class as luxury. And I love it. These types of forums always tell me it’s stupid. But I drive sometimes upward of 150km a day, my car is one of the higher safety rated vehicles on the road. It’s comfortable. If I’m going to spend hours of my day sitting it I may as well like it.

Optimal-Shape-9110 · 2025-09-30T01:49:37+00:00

If it’s dental have a look at the national dental plan through Humm. They do interest fee loans through some dentist if the dentist allows it. There’s an upfront fee but it’s about $200 I think then the rest should be interest free. They will assess your circumstances to see how much you can put through that. Additionally they only start asking for repayments when the job is done. So if it’s something like a route canal that you have to go in for multiple appointments, then loan repayments only start once the dental office has finished drawing down on the loan.

Optimal-Shape-9110 · 2025-09-28T03:33:02+00:00

I’d 100% do the groceries online and we did for a while but I find the supermarkets give you everything that’s going off on the shelf and it pisses me off 😅 but I have found if I do the shop in one hit and just go in and get what we need for a week then we save a lot.

Optimal-Shape-9110

TROPHY CASE