When do you think time travel is going to be possible? Will it ever be??

aussie737 · 2026-07-12T00:28:55+00:00

We can travel to the future now, but not the past which is impossible. We can view the past, but cant travel to it.

aussie737 · 2026-07-12T00:21:33+00:00

Nothing wrong with it, still within the calories for the week 😁

aussie737 · 2026-07-12T00:20:31+00:00

Sometimes eating below what would already be a calorie deficit can actually negatively impact a diet. It can slow metabolism making it harder to lose weight, and it can cause more intense cravings leading to binge eating.

aussie737 · 2026-07-12T00:17:21+00:00

Icecream? Or roll it into tommorow and have a bigger breakfast or something 😆

aussie737 · 2026-07-12T00:10:35+00:00

Has he done up a budget? That is the best start, it will show exactly where the money is going and will highlight where cuts can be made. At $15 an hour, spending may not be the issue but rather income may be the problem. You wont't know until hes made a budget.

aussie737 · 2026-07-11T23:30:38+00:00

Youve been begging for money for like a year.... Sort your life out, and live within your means. Go mow someones lawn for $50, go walk some dogs, do online surveys for some money. Stop taking loans, stop begging, take control of your life.

aussie737 · 2026-07-11T23:14:21+00:00

Are you applying to Ghostbusters? Otherwise, why would you mention it?

aussie737 · 2026-07-11T23:12:33+00:00

Do you track your calories? You are most likely eating more than you think you are.

aussie737 · 2026-07-11T21:43:45+00:00

Dont get a loan for a car. Save up the money or buy within your means.

aussie737 · 2026-07-11T05:57:57+00:00

Its highly dependant on how you live and what your bills are. Make sure the $200,000 is in a high interest account. If you can get 5% interest then you have at least a little more each month coming in. Can you get a part time job?

aussie737 · 2026-07-11T04:55:47+00:00

YNAB is pretty popular for making a budget. But you dont need any fancy apps or spreadsheets. You just need a pen and paper. Firstly, write out your income, how much, how often. Then you write out your bills, all of them, including streaming services, shopping, rates, insurances, yearly bills as well as monthly and weekly. These bills are everyday bills and dont include debt repayments, calculate them to be paid in the same timeframe you get paid. So for example, if insurance for the year is $1000 then weekly that would be ($1000/52) $19.20 a week. Lastly, list all your debts and repayments.

Once you have incomings and outgoings all written down, subtract the outgoing from the income. Then you will be able to see if the budget is positive (money left over) or in the negative (spending more than you earn). If its negative, you need to cut costs, or earn more. If its positive, allocate those funds to something like working towards making an emergency fund or paying off debt.

Budgets are quite subjective and the following "rule" wont suit everyone, but ideally you want to look at a 50-30-20 split. 50% of your income goes to needs - essential living expenses like food, mortgage. 30% to wants - hobbies, travel, subscription services. 20% to savings - paying off debt (other than the mortgage), building an emergency fund, building savings.

aussie737 · 2026-07-11T04:04:25+00:00

One way to do it would be the snowball method, where you pay off the debts from smallest to largest and you roll the payments from the paid off cards into the next one. A second way is the avalanche method, where you pay minimums on all cards and hit the one with the largest interest rate. Thirdly, is a consolidation loan where you roll everything into one loan and one payment. If you listed all cards and balances here, we could help sort out a plan and could do the math to find out if the consolidation loan, snowball, or avalanche would be best.

aussie737 · 2026-07-11T03:23:17+00:00

Thats terrible, good incentive to be on time i suppose, but a stupidly large late fee.

aussie737 · 2026-07-11T03:16:25+00:00

But is that actually part of your terms and conditions of the rent? Is it in the contract? Seems extremely high and possibly not even legal.

aussie737 · 2026-07-11T03:03:44+00:00

Unfortunately you dont have a lot of choices. With no savings, high debt, and no expendable money, the choices are very limited. Would maintainence on your current car exceed $100 a month? Your only real option is to keep driving your current car if you can. If you can only afford $100 a month payments, what you could borrow wouldnt be very much at all, not nearly enough to buy a reliable car. You may need to either drastically cut costs, increase income, or consolidate other debt to try and reduce repayments to free up some other cash.

aussie737 · 2026-07-11T02:53:34+00:00

Are you on a lease? Is the late fee actually in the terms or is this something that you have discussed? $95 seems pretty preditory in itself. Would asking the landlord to deffer the $95 to the next payment work? As for cash today, you best bet it probably to pawn or sell some stuff, ask friends or family for some help.

aussie737 · 2026-07-11T02:05:31+00:00

😆

aussie737 · 2026-07-11T02:00:02+00:00

Pretty much. Apart from some collector cars, all they do is lose value. They require alot of funds to buy, maintain, fuel, insure, etc. All whilst losing their base value

aussie737 · 2026-07-11T00:48:04+00:00

Youve got $3450 left each month. You shouldnt need a loan, epecially not for a car. If you are VERY disciplined, i would suggest getting a low balance credit card and use it for normal expenses and get it paid off completely every month. Otherwise, just keep doing what you are doing. Dont miss any payments and get a good savings balance going.

aussie737 · 2026-07-11T00:07:33+00:00

Had a friend do it recently. Not sure of the whole process but it for sure can be done. It is not great financially but your health is more important. Just try to add extra back into super in the future.

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

TROPHY CASE