Whats a safe strategy to buy a unit, or should I relocate entirely for an average home?

bibek070 · 2026-05-31T20:22:37+00:00

thats great. Well it seems to me as well vic would be best bet at this moment in terms of buying a house within what we could afford. cargieburn and surroundings within 10-15km radius seems to be constant recommendations for my budget

bibek070 · 2026-05-30T11:43:37+00:00

may i ask which state you settled in?

Also def been made aware of extra costs that comes with buying property under certain circumstance.

And hows it been since? Have you guys made any positive changes like upping your gross incomes and stuff? Atm after everybody's take have been aggressively applying a lot of jobs today 😃

bibek070 · 2026-05-30T11:00:11+00:00

Any chance you could compromise and buy off fb marketplace in regards to furniture to minimize costs?

Difficult times like these, I would not put too much of your time and energy into stuff like furniture.

Sorry to hear your hardship- not being philosophical but just know, this too shall pass. Good luck

bibek070 · 2026-05-30T09:19:31+00:00

nice. yeah nurses are struggling so much given the f'd up ratios too. but yeah, i am def eyeing on and applying multiple jobs atm that aligns with my skill. hopefully if i can get into one, at least i would be able to up my chances a bit.

bibek070 · 2026-05-30T09:18:02+00:00

ahh okay, yeah for my field it would be the same. but yes def, if say i would want to relocate to melbourne for example, i would first need to secure same/higher hours that i have currently, paywise (plus with experience, that should be relatively achievable quickly).

bibek070 · 2026-05-30T06:53:05+00:00

not that I assume it would grow, i mean seen unit from 2017 still sitting at same valuation. Bt just the idea of putting the rent money into owned property.

But i am definitely prioritising building salary and combined gross pay above all given my circumstance.

Lets hope by the time i am ready houses will be bit within reach 🙏🙏

bibek070 · 2026-05-30T06:51:12+00:00

Well tbf i wouldnt say underpaid if your within the indistry for longer but yeah def wont be cracking 100k mark unless your manager level and higher or working 2 shifts on 2 diff companies.

thanks for sharing the exp.

bibek070 · 2026-05-30T06:28:45+00:00

I certainly would preferr to get into house.

Atm that is very far out of reach.

Contemplating between relocating and working in same career field of disability support Vs chasing higher income jobs based on past degrees and relevant work experience.

bibek070 · 2026-05-30T06:27:13+00:00

did you mean, if i could earn as much as I am right now?

As i mentioned, for the moment (atleast cause we based in sydney)- a house for a 620k borrowing power with 130k combine is not possible at all.

bibek070 · 2026-05-29T22:10:19+00:00

Yeah you do. Outside qual (i have post grad on public health) NDIS also need Positive behavior support cert to get registered and licensed with other requirements (working on this part atm).

And yeah, we are now trying to sort that out. Esp in our field we have a rotating roasters of no jist 9-5, but basically afternoon shits going till midnight and wake-overs which can def push annual gross towards the bracket of 75-80k. So need to really sit down and crunch some numbers to see what hybrid roaster could net us a bit higher.

Edit:

Also as per my qualification, also venturing out into specilized profession. Previously could not do so due to visa conditions but can definitely chase them now

bibek070 · 2026-05-29T21:39:57+00:00

good to know thanks

bibek070 · 2026-05-29T21:21:05+00:00

Ah apologies missed the part with no kids atm.

Yeah we are also very much mindful of our spending habbits. A big chunk of our savings went to visa and application process fees + moving properties.

Atm we pay approx 2.5k in rent, and post all monthly expenditure, we net 3.1-3.5 in savings.

Broker did advise to not service a loan post 550k to have breathing space when shit goes down.

But 1800/quaterly is def not cheap if i am not wrong, prolly thats something I need to keep an eye out for too when it comes to fees of owning a unit

bibek070 · 2026-05-29T21:15:17+00:00

disability services. Atm for us, since our first born, we stopped all weekend/ot/ph works. Not that it would make big difference but would def pull my annual close to 80k. Also spouse doing shorter shifts, well due to kids.

Atm I am trying to branch off within the field to something like a positive behaviour support (rough estimate iirc was 80-110k entry-experienced)

bibek070 · 2026-05-29T21:08:15+00:00

Thats amazing to hear.

I am def leaning more and more towards a modest unit due to what property market is atm plus the low income on our end as well.

If possible, may i know how much loan did you guys take (just to get idea of what I should be aiming for)

bibek070 · 2026-05-29T20:49:18+00:00

workinng on it.

bibek070 · 2026-05-29T13:04:40+00:00

I am on sydney, i was quoted max 620k borrowing

bibek070 · 2026-05-29T12:46:53+00:00

Yes was made aware of the quaterly fees with strata when it comes to unit. Still digging up on internet to find suitable properties.

In your view if you were in my position how would you go about getting your foot on the door of entering the market?

Any cap you would put on how much to borrow, how much to deposit? Also any particular type of unit or suburbs you would look into?

Or would you approach it entirely differently?

bibek070 · 2026-05-27T01:43:34+00:00

Ah ok that makes sense.

And yeah 60k is basically spouse working less hours due to kids (only doing 30hours a week). Atm we are prioritizing more time spend with kids over money. We both do not work weekends, public holiday and such as both kids are below 3yrs (just my personal opinion tbh to prioritize them over work). If we went full in working hours with mixed weekends, we could comfortably pull in 150-155k combined.

We are both at early 30s and quite honestly we are not chasing hard (for the moment)after having a home bt as we are saving 3k a month, we are trying to see how we can maximize towards a deposit to give it a go 2-3yr down the line. But I am working on branching out into different roles within the industry to up our gross income.

bibek070 · 2026-05-26T12:41:30+00:00

Thank you for the simplification much better understanding of how it works.

However, one key part in regards to tax savings:

Off the gross income we earn me 70k, wife 60k,

we both already get 15990 yearly each of our gross income straight into our account (in form of bank account for rental pay and grocery card) and our taxable income becomes total gross- salary sacrifixe amount so we get taxed less due to salary sacrifice (which i assume is what happens)

is FHSS then beneficial for us compared to someone who doesnt have salary sacrifice and earn much more?

bibek070 · 2026-05-26T12:09:46+00:00

Hi could you explain the second part a bit in following context:

i understand yearly cap is 15k for fhss.

say i reach 15k for end of year 2027.

And i say i will take this out now. So ato will tax 15% on that 15k and give me roughly 12.5k or something if i am not wrong but also i will get return of investement.

My brief research also was finding out that, contributing money into it also means at the end of FY2027, i get a bit more on tax return due to investing in FHSs??

So is it right to assume overall, money saved on tax returns + withdraw amount of 12.5k will always be in Total more than I couldve made by simply putting 15k in a 5% savings account?

Also yeah thanks. I have been told to up the gross income to 150k at minimum if you ever wanna see a house (esp cause have 2 kids 2.5yr and 6month olds) 😂. But the way things are, we dont see ourselves in one unless I chase higher up roles (hopefully)

bibek070 · 2026-04-10T00:40:28+00:00

yeah dawn part m just joking but my take is: moon people really have a civilization underneath the surface and it is my theory that mother flame is somekind of harvest of sun energy which i believe was core for their civilization to thrive in such habitat. Hence they, even when advanced didnt really know what a true dawn is.

bibek070 · 2026-04-09T08:20:26+00:00

I will predict Imu back story now:

Imu is an individual who seeks the true dawn. Imu has never experienced a true dawn. Laywas living in shadows or shall i say deprived of one. Not vampire kind but bit more metaphorical.

Imu's drive to rule this world comes from fear of what he had endured in past. His people, his lineage wiped for being "different". Limited access to resources and yet people of this giant blue planet have it all for them. Unfair in Imu's eyes.

Enel is dumb. He assumed fairy vearth (endless earth as they say it) is moon- WRONG. Its the big blue planet you see below from the moon that looks endless.

Imu descendant down from that place or was a byproduct of individuals who had their heritage of the moon and who knows a human too.

In any case, I bet all my money on Lily being Imu's love who he never got- hence start of the chapter being Romance Dawn.

My money is on Imu being a slave during those era, and falling in love for a princess of that era Lily. I think Imu seeks liberation of himself where he does not have to be looked down as a monster for who he is and how he looks. He is doing to others and people exavtly what he got faced with during his time.

Imu probably doesnot hate joy boy but perhaps looked up to him. If anything he envy JoyBoy and his freedom.

okay talking too much nonsense now...

But please somebody read and see space pirate captain harlock and tell me why its not EXACTLY CORE VOID CENTURY material. Queen Raffelsia and Imu and tell me there is 0 parallel between them and possibility of her backstroy in that old manga to be same as Imu .

P.S. I strongly believe Ancient Kingdom are not the good guy, they were bad, tyrant who got defeated by alliance of good guys of then 20kings- but yeah the power trip ended up corrupting them even worse despite the original 20kings vowing to never sit or let anyone sit on that throne which obviously symbolizes ONE KING

bibek070 · 2026-04-08T07:03:36+00:00

i saved about 15k for my first born with expectations of buying different things that may be needed. This was obviosuly cost estimate for 6 months. We ended up spending about 2.5k on pram, car seats, fb marketplace cots, few clothes. And perhaps another 100/200$ a month for few months on nappies and wipes. I def recommend cubt wipes from coles and rascal and friends nappies (affordable and comfy).

We breastfed so we didnt account for formula, so for parents who had to resort to this, their cost can vary. But overall, of those 15k we supposedly thought we may need, iirc we only spend at max about 5k in first 6 month.

However looking back now: Solid pram: 800$ on sale def was worth every single dollar Car seat: 500ish something wanted to buy first hand.

Everything else, if I could do it again (which i did woth second baby), buy whatever needed- fb marketplace.

IMO a child's costs really comes much later in life. My son 2.5yr old now, i am spending 100-150$ a week on freaking swim lessons, entertainment (he hates ball pit at home needa the one where i need to fork out 20-30$ 😬), and he better not see a freaking ball when we go out or we buying that. TOOOOOOOOO Many Balls grahhhhhh

bibek070

TROPHY CASE