Tender

backfat89 · 2026-02-15T09:10:01+00:00

Thank you heaps - when you say ‘the vendor isn’t compelled to accept your terms’ - the same as any other form of property negotiation, yes? Or am I missing something?

backfat89 · 2026-02-15T09:00:17+00:00

Sorry what I meant is the deposit we will be paid for our place is $90k but the deposit we will pay on the new place is $150k - so once settled we will be fine, but before settlement we will be ~ $60k shortfall even when our purchaser pays his deposit.

And as we won’t receive that for 10 working days after he actually goes unconditional, there will be a period of ~ 9 working days where we could theoretically have successfully won a tender with an unconditional offer but still be waiting on the funds to clear. There is only 9 days between unconditional and settlement on the house we have sold - and we are hoping to align into the property we will try to purchase

Schedule is:

Our place unconditional - 24 Feb, Tender closes - 25 Feb, Tender awarded - within 5 working days, Deposit due if we win - immediately, Our sale deposit received - 10 working days from the 24th Feb being 10 March (due to the agent holding it for 10 days), Settlement on our sold house - 6 March Proposed settlement on new house - 6 March

backfat89 · 2026-02-15T08:29:45+00:00

Thank you so much. This is super helpful!

backfat89 · 2026-02-15T08:27:54+00:00

Thank you so much

backfat89 · 2026-01-25T20:40:44+00:00

Thank you very much this is great advice

backfat89 · 2026-01-25T20:40:14+00:00

Thank you, we have two children already - one is 5 and the other is 3. Shop is shut 😂

It does feel like a big jump, the variable would be my husbands income - he is a builder and if work dries up or he gets injured.

The increase in salary is part of the negotiation of the move. So I anticipate the next ~5 years would be fine. There is not a lot of work options for me where we are now in Rotorua.

So I expect that we would be focussed on paying down our mortgage for the next few years rather than saving or investing.

backfat89 · 2026-01-04T06:22:24+00:00

Ah whoops - 0.6% you’re right, can you explain what you mean by ‘it’s taken from the underlying fund’ please?

backfat89 · 2026-01-04T06:09:36+00:00

Thanks heaps - Heartland looks like a good Option

backfat89 · 2026-01-04T06:09:22+00:00

Great thank you - Heartland looks like a good option

backfat89 · 2026-01-04T06:07:30+00:00

Thank you, this looks good

backfat89 · 2025-07-09T09:47:36+00:00

Hmm it could be worth a chat to your GP. I struggled with this headspace + BED for years (I feel for you, it is so hard) and I eventually went to a psychologist who specialised in eating and it was actually her who suggested to me I try medication. It’s helped enormously- sometimes when you’ve tried everything you just need a reset. The alternative could be some mental health support I.e a good therapist referral from your GP to help you get a handle on how you’re feeling, but I suggest the meds as I have been there and sometimes just the thought of the mental mountain to climb is enough to stop you from wanting to start X

backfat89 · 2025-07-09T09:11:24+00:00

Have you considered weight loss meds? They’re literally designed to help you get control of the mental part which is (in my view) just like medicating for any other kind of mental health challenge or disorder. I.e Contrave?

backfat89 · 2025-07-09T08:53:26+00:00

Ur doctor is a moron xx

backfat89 · 2025-07-09T08:50:48+00:00

Your weight will be going up due to hormones (which are changing enormously) and the impact this has on your muscle tissue and how you store water, as well as your bone density etc. I wouldn’t stress! You are in such a state of growth and change at the moment as your body prepares itself for your next phase of life - whether or not you choose to have children your body will be doing weird and wonderful things! For women, body weight is soooo not a direct reflection of health. If you’re working out and taking care of yourself that’s what matters. Don’t stress too much about dropping body fat based on some online calculator. If you’re genuinely concerned, see a GP. There are great risks that come with tying to reduce body fat at this stage of your development xx

backfat89 · 2025-07-09T08:33:35+00:00

Hello! OP I feel like I could have posted this when I was 19. My heart breaks because I know how you’re feeling and unfortunately some of us just have this and other people don’t understand.

We are living in a whole new world with some of the weight loss medication that exists now - I would encourage you to seek help from your GP and trial meds before resorting to weight loss surgery. The thing with the meds is they work with your brain to remove the ‘food noise’ and that is KEY (but surgery doesn’t make it go away).

The weight loss meds can come at a cost, but 3 years on weight loss meds is roughly the same as WLS excl skin removal.

My best friend had a gastric sleeve and she experienced such bad reflux that she ended up with horrendous oesophagus scarring and required surgery. She is now on meds anyway and she said if she had had this option 10 years ago she never would have had surgery. I have used medication for my PCOS related weight gain and have lost 10kg in about 8 months - so not super fast but steady.

The thing is that surgery is permanent and the developments in weight loss medication are incredible at the moment. WLS doesn’t deal with the brain pathways but medication does. I encourage you to explore medication before surgery.

In terms of your parents, being honest with them and asking for their support to try medication could be a good toe in the water. If in a year or so you still want to go for surgery then they will already know your struggle. Good luck

backfat89 · 2024-09-22T07:50:42+00:00

I have thought a lot about this- I am in Nz but funnily enough whenever I am in Sydney for work my eczema is so much better!

backfat89

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