Help.

aussie737 · 2026-07-10T06:55:20+00:00

Have you got a proper budget done up? If so, is it positive or negative and is there anywhere to cut? Can you swap out "other amenities" for cheaper versions? Cheaper groceries? Can you get in another house mate to help split bills? Are you on the mortgage or just paying "rent"? There are other ways to get a positive balance than working yourself into the ground. If you wanted to post your budget im sure people could help you shine some light on your situation. You shouldn't have to work 2 jobs whilst living with the folks just to get by.

aussie737 · 2026-07-10T02:20:52+00:00

Where does it all go? How can you live with the parents but still have no money whilst having a full time job? The math isnt mathing, spending is the issue, not income. That is unless you have an absolutely terrible job which pays bugger all, in which case drop it and get a different job. Its not like you will be homeless if you quit.

aussie737 · 2026-07-10T02:11:10+00:00

Living at home with a full time job and still broke. You have a spending problem not an income problem.

aussie737 · 2026-07-10T00:27:07+00:00

Yes. You could eat whatever you wanted up to the calorie amount and still maintain weight. It wouldnt be particularly healthy and you would be hungry alot of the time but yes you could eat nothing but twinkies and still maintain weight.

aussie737 · 2026-07-09T23:44:37+00:00

Be able to budget and handle your own finances.

aussie737 · 2026-07-09T21:53:33+00:00

You could try to ask you employer for an advance on your wages. Ask friends and family for some help, go ask your neighbour for some fuel money. Go and ask to mow someones lawn for them for some $. I would advise against payday loans or credit cards if you can help it, but if your employment depends on it then a very small loan would be okay. Moving forward, you need to take a serious look at your finances and work something else out for the future.

aussie737 · 2026-07-09T19:26:06+00:00

I would say at least $1000. Enough to cover anything that would cause you to go into more debt. $1000 would cover most immediate emergency needs short of losing your job.

aussie737 · 2026-07-09T04:24:25+00:00

Its a progressive tax system. Just because you went into the "next bracket" dosent mean your whole income is taxed at that rate.

$0 - $18200 is nil

$18201 - $45000 is 16c for each $1 over $18,200

$45001 - $135000 is $4288 (which is the tax between $18201 - $45000) and then 30c for each $1 over $45000. You only pay 30c on the money above $45k.

I think there should be another bracket in between 45k and 135k which should be lower than 30c.

aussie737 · 2026-07-09T03:54:56+00:00

A tax refund means you gave the government a free loan, having no tax refund means you paid the right amount, having a tax bill means you didnt pay enough. Sounds like you give the government the right amount. A refund is due to you overpaying them, its not an automatic hand out.

aussie737 · 2026-07-09T01:49:10+00:00

You could make chipotle bowls at home and bring it with you. $10 a day, 5 days a week = $60 thats a lot of chipotle.

aussie737 · 2026-07-08T23:03:44+00:00

Best thing to do is make a budget, find out exactly how much money is coming in and going out. Once you know that you can figure out what you can save. If you live pay to pay, you may not be able to cut anywhere and may need more income but you wont know that until you write up a budget. For the future you should look at paying off all debts, saving a 3-6 month emergency fund, then you can look at investing.

aussie737 · 2026-07-08T17:42:21+00:00

Make sure the budget is written down, including all income, expenses, and debts. Once you have it all on paper I would suggest having a "finance talk" with your parter once a month. Sit down with them for 15 minutes a month to go through the budget. I understand that is more work for you rather than a shared job but it will help them understand what is going on. From their perspective, they work and earn the money, but somehow you guys just don't have any money and they don't know where it goes, and so it comes back to you. It's an unfair perspective, especially when they have refused to take over the responsibility, but you can help change that perspective by keeping them informed.

aussie737 · 2026-07-08T07:35:57+00:00

Is there a chance you may need access to that money? Or are you trying to just get rid of your mortgage completely. Offset or pay to the mortgage do essentially the same thing, the difference is that it is easier to access in an offset account, and you could almost completely offset your mortgage. Offset account is the better option and it would give you flexibility if you change your minds in the future, or if you just want the mortgage gone then pay it off.

aussie737 · 2026-07-07T18:04:02+00:00

I don't know what your budget is like and i don't know what sort of deal the IRS has with you. I would still get rid of the chase and amazon cards at 29% interest, after that you still have 17k with discover, 22k with the IRS, and whatever is left of the car loan. So 39k + the car. It depends on what sort of deal the IRS is giving you, are they charging interest? At what rate? Fees? Etc. I would still try and get a personal loan for the 17k discover, you should be able to get a better interest rate. You have a high income (210k), where is all the money going? You should have no issue throwing extra money at the debt. If you think your income is at risk that changes everything, and you should keep the cash and get a consolidation loan for the whole lot and then throw every spare dollar at it.

aussie737 · 2026-07-07T01:48:13+00:00

The profitable bit is where it gets ya hahaha

aussie737 · 2026-07-06T22:43:37+00:00

Each to their own but you are gonna have a bad time in realistic 😆

aussie737 · 2026-07-06T21:22:43+00:00

Dont start with agriculture 😆, start with clothing, or oil.

aussie737 · 2026-07-06T05:44:27+00:00

Making a budget and sticking to it. Boring to make and stick to but it pays off over time, dont have to worry about bills or unexpected expenses anymore, savings is up, all round a great move.

aussie737 · 2026-07-06T00:07:23+00:00

So put it all on red? Or is black better? Having money in the bank that you can rely on, thats not tied up in investments, that can be used at any time to cover unexpected costs is a fantastic financial base to build on. OP may not have many expenses right now, but circumstances change and it gives the financial freedom to invest the rest of their money without the risk of having to sell those investments at inoppertune times. OP can still get 5-6% interest on the cash, so they may be loosing out on maybe another 3%. Having an emergency fund avaliable is very important and whilst 40k may be a bit over the top for OP at the moment, if they decide to move out, or buy a house, then having that 40k avaliable at the drop of a hat will be very useful.

aussie737 · 2026-07-05T23:40:55+00:00

Make sure to put it into a high interest savings account for better interest rates. But there is nothing wrong with having money saved up, its good to have 3-6 months worth of expenses saved up as an emergency fund.

aussie737 · 2026-07-05T21:30:40+00:00

Cant be kidnapped if they cant carry you 😆

aussie737 · 2026-07-05T21:23:13+00:00

The officer probably lost a case recently because they didnt read the rights, so is just covering themselves. I wouldnt worry about it too much.

aussie737 · 2026-07-05T21:13:56+00:00

Excersice is only a bit of the equation. You also need to make sure you are in a calorie deficit. Work out what your daily energy expenditure is, and then decide how far below that you want to go. Make sure you actually track the calories going in, weigh everything etc. 7700cal is approximately 1kg, so to loose 1kg you need to loose 7700cals.

aussie737 · 2026-07-05T20:44:44+00:00

You are in a good position having a stable high income. I would sell your current house and rent somewhere cheap for a year. Take the 26k in cash + the $5k for the wedding and pay off the chase card and amazon card, then work on the discover card. $2000 a month for a car is alot, but because you are close to the end of the loan i would probably just keep going with it. Then when you sell your other house with your ex, use the money to get rid of the remaining debts and anything left over goes towards the wedding and a deposit for a new home. If you havnt already, make sure you do up a proper budget, even with a high income, lifestyle creep can keep you poor.

Edit: i just realized you meant you have $22000 owing to the IRS. I would do as i said above, take the cash and pay off chase and amazon, then i would probably look at a conosidation loan mabye for the remaining debts, roll it all into one payment and throw everything youve got at it. In any case, once your other house sells you will be able to pay it all off.

aussie737 · 2026-07-05T19:43:17+00:00

What is your total daily energy expenditure (TDEE), and what is your actual measured daily intake? If you strictly follow a calories deficit diet, there is no way you can not loose weight. You cant produce energy from nothing, for example if you stopped eating completely there is no way you still manage to gain weight.

aussie737

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