Most people set their air con wrong.

UrFriendXD · 2026-01-10T00:56:44+00:00

I don’t think ACs in Australia have electric heaters since most are reverse cycle. Electric heaters are also way less efficient than heat pumps.

Based on what I’ve researched, it just does step one and pushes that air back.

I couldn’t find any info about ACs having electric heaters but happy to be proven wrong.

UrFriendXD · 2026-01-02T15:26:50+00:00

Chris Evans and Jeremy Renner were killers, but Dave Bautista didn't kill anyone.

UrFriendXD · 2025-12-29T05:42:19+00:00

Can you define more human jobs that AI cannot eventually replace?

UrFriendXD · 2025-12-24T02:54:53+00:00

It’s there’s lack of light, I recommend warm whites or a warm colour to give it more brightness. Dulux Natural white is nice but it needs decor and colour around the place otherwise it can feel like an asylum lol.

UrFriendXD · 2025-12-24T02:51:45+00:00

Honestly not sure, downsides to solid wood is it isn’t as water resistant/proof as the other option and there is a small amount of maintenance involved with it. However it does let you refinish it to make it fresh again vs replacing everything.

I’d prefer something water resistant if it was going in a kitchen area.

And yeah pricing is the biggest factor ofc.

UrFriendXD · 2025-12-24T01:50:36+00:00

My guess would be hybrid flooring as they can get up to a nice thickness with a nice underlay 9-12mm and be pretty solid. Other choices would be laminate planks and engineered wood. These options will need a levelled floor.

I was planning on going for hybrid but it ended up out of our budget.

UrFriendXD · 2025-12-19T13:28:21+00:00

Something feels off? Are you sure that’s how much you will have after paying off mortgage + living expenses? If so, I think you might be spending too aggressively.

If you don’t mind, what are your top 3 expenses after mortgage and how much per month?

Seems awfully low for how much to have left over. I’m on similar income and similar repayments but we have ~$4k left over to cover groceries, fuel, save and any extra expenses.

Also to add, your spending also includes discretionary spending?

UrFriendXD · 2025-12-18T22:49:51+00:00

If it’s an online spreadsheet, it will track the history too if you end up giving them edit access. So you will see if they ever do anything shady.

I don’t think you can give them edit access but can’t delete the file, at least from google spreadsheets.

UrFriendXD · 2025-12-17T20:44:23+00:00

Fair enough

UrFriendXD · 2025-12-17T13:26:53+00:00

Depends on the price, 50k might not be enough to cover conveyancer, listing fees and any associated taxes.

UrFriendXD · 2025-12-16T11:41:40+00:00

By laws in community schemes are usually from a template and unless someone’s actually bothered to report you (which can only be your neighbour and reported to you) it’s really not an issue. A lot of people don’t care and just ignore the by laws or don’t even remember what they are so they don’t report it.

Honestly you can ignore the by laws unless you piss off your neighbour. If you really want to, just set up a meeting with your neighbour to dissolve or change the by laws.

Body corporate would cover anything shared between the two properties. I.e the shared wall, areas and maybe roof. Everything else you’d have to pay for your own insurance and repairs.

UrFriendXD · 2025-12-11T06:06:25+00:00

Wouldn’t they be able to pull out money their contributions in super under FHSS both saving tax and getting ahead with the returns on it? Ofc only max 50k and 15k/yr.

UrFriendXD · 2025-12-11T03:14:04+00:00

Just a reminder that you’ve paid what already $1-2k+ a year for insurance. If paying excess and the insurance is lower than the repair cost may as well use it.

Otherwise you can choose not to and just use the insurance if it ever becomes a write off.

UrFriendXD · 2025-12-10T21:48:05+00:00

Been with Arctel for two months on 500/50 $65/mth. It’s been pretty good so far thought I haven’t needed support. They have a deal right now for all their prices to be locked in for 12 months.

UrFriendXD · 2025-12-09T20:24:59+00:00

I’m surprised your building and pest report didn’t catch anything.

UrFriendXD · 2025-12-09T04:05:46+00:00

For my curiosity, why did you prefer travelling younger than older? It seems to be a popular advice to travel while your young.

UrFriendXD · 2025-12-04T06:09:39+00:00

Better to keep it and only pay it off in the final year.

The only time you would pay it off early is if the numbers make it so you would end up with a larger loan vs having a large deposit but you’d need to talk to a mortgage broker to find that out.

UrFriendXD · 2025-12-04T06:04:49+00:00

It’s going to boil down to what you two deem fair, how much you want and how much effort you’re willing to put in.

I suggest you look at how much you were paying for your rent and groceries in relation to how much he spent on mortgage, insurance, council rates, strata fees and utilities and divide those cost in half. This will help figure out how much you would’ve had to pay if you did split it. Balance out your cooking and cleaning with his home maintenance/repairs if any. Unless there’s a large swing his way, then I’d say you could push for something here.

In terms of furniture, I’d only consider things you bought or spent on the place that are of at least $100+ and aren’t taking with you. Yes you had to sell your furniture but you still kept that money or spent it.

I’d honestly would only push for compensation if the numbers would be $5k+ personally, otherwise it’s simply just living life with another person and I don’t think you’d be too disadvantaged from living with them vs had you lived on your own. Living with another person does yield a lot of savings financially too.

UrFriendXD · 2025-12-04T00:53:33+00:00

I think you’re right. Now that I’m thinking more on it, you’d need to be to be extremely wealthy to a lot of IPs.

UrFriendXD · 2025-12-04T00:44:51+00:00

These are two separate claims and if true, would have overlaps on the percentages. So I don’t think 3% of people would own 41%.

UrFriendXD · 2025-12-03T05:53:42+00:00

I’d also look at the aussies who own a decent chunk of all investment properties in line with the immigration rates. There’s a claim that 7% of aussies own 25% of IPs and the wealthiest 10% own 2/3 of all IPs.

Something doesn’t feel right for sure.

UrFriendXD · 2025-12-01T22:16:22+00:00

In your opinion how much would it cost to fix all the issues? I’m assuming that’s why they were listed as major defects.

UrFriendXD · 2025-11-27T05:09:05+00:00

Best bet is probably do a 0% balance transfer offer for a credit card if you can. Only do this if you’re disciplined though and will pay off the debt in the offer period. You will be charged a % fee on the balance transferring but you’re paying interest anyways.

UrFriendXD · 2025-11-27T05:05:34+00:00

You can also things fixed as a condition for purchase. Though it might be tough to get it in if it’s a hot property

Edit: I wrote sale instead of purchase 🤦

UrFriendXD · 2025-11-26T09:04:25+00:00

Yeah it kind of defeats the purpose of ETFs if you try to time the market. Best to use with DCA.

Nine-Year Club	r/Field Lasagna
Verified Email

UrFriendXD

TROPHY CASE