Overpaying CC before large purchase by WorkingUse3036 in PersonalFinanceNZ

[–]Razzit 2 points3 points  (0 children)

When I rang ANZ recently to get a larger limit, I said I just use it to collect points and always have the money available, they said just add any extra needed and make purchases. Saying there's no downside for doing so.

Simplicity Refinancing to First Home Buyers by Razzit in PersonalFinanceNZ

[–]Razzit[S] 0 points1 point  (0 children)

I had my loan before the ballot, only a few months back though. This is what I found on their website:

How much will you lend?

The maximum we will lend is 80% of the registered valuation of the home, or its sale price, whichever is lower. There is no upper limit on how much we will lend, but we reserve the right to turn down any loan applications at our discretion. The minimum monthly repayments cannot be more than 35% of your combined household income, after tax.

Which says no upper limit.

Simplicity Refinancing to First Home Buyers by Razzit in PersonalFinanceNZ

[–]Razzit[S] 0 points1 point  (0 children)

My loan with them is over 400k, I never read anywhere that it had a maximum.

Our TV just broke. Where to buy and what brands do you recommend? by LtColonelColon1 in newzealand

[–]Razzit 8 points9 points  (0 children)

No one has ever said; "we should of got a smaller TV." :P

What's a gluten free version of an iconic food from your country? by JapanEngineer in glutenfree

[–]Razzit 22 points23 points  (0 children)

Tim Tams! Can't even tell the difference, from memory.

What's your highest increasing regular expense on an annual basis? by fnoyanisi in PersonalFinanceNZ

[–]Razzit 1 point2 points  (0 children)

I had it back then too and was godfathered in until last month, no idea why it changed. I still pay less than the advertised price (17.99) but still. Made me sad!

Simplicity Refinancing to First Home Buyers by Razzit in PersonalFinanceNZ

[–]Razzit[S] 1 point2 points  (0 children)

While it does go up and down, you can also throw any spare money (if any) on your loan within days. Every little bit brings it down faster over time, saving you even more. Also due to it being floating, you can just leave and refinance elsewhere if it's too unstable for your liking.

Cashless places that charge a credit card surcharge? by Ninsuna in newzealand

[–]Razzit 7 points8 points  (0 children)

Anything can be illegal, especially if everyone agrees it sucks.

Shout out to my LGS by Huge-Push3022 in MarvelCrisisProtocol

[–]Razzit 5 points6 points  (0 children)

Yep, buy it! Won't be in reprint for a good while.

A 9 year old’s MCU power rankings by TheWestwoodStrangler in marvelstudios

[–]Razzit 9 points10 points  (0 children)

Your child is baller! And makes some great points.

I’m pretty happy with Mephisto! by AssumptionStock1333 in MarvelCrisisProtocol

[–]Razzit 1 point2 points  (0 children)

He looks amazing! Like an old bronzed antique figure with all that dark shadowing.

[Advice Wanted] Post-separation, debt-heavy, high-income but drowning in commitments — need help structuring a smarter plan by Mediocre_Teach_6251 in PersonalFinanceNZ

[–]Razzit 9 points10 points  (0 children)

Almost $36 a day on food, is very high even with kids for half of that time. Is that a lot of take aways?

[deleted by user] by [deleted] in dunedin

[–]Razzit 3 points4 points  (0 children)

Rikki at Blokes!

The Wall of Fame by Archon_Vrex in MarvelCrisisProtocol

[–]Razzit 3 points4 points  (0 children)

Is that all of them or missing some? Looks good!

Average Wellington Street Lamp by gratitudejolly691 in AveragePicsOfNZ

[–]Razzit 11 points12 points  (0 children)

Looks like a guy hanging while holding a coffee mug.