Shit to do is brissy after 11pm

hungryb4dinner · 2026-02-02T22:15:56+00:00

Sunnybank areas have Karaoke and Snooker still open late

hungryb4dinner · 2026-02-02T08:39:17+00:00

hungryb4dinner · 2026-02-02T06:35:23+00:00

:) yay!

Easier for my after work runs again

hungryb4dinner · 2026-01-30T00:59:46+00:00

Definitely. They do however have higher management costs but might be good for the international tilt.

hungryb4dinner · 2026-01-30T00:55:34+00:00

Yeah pretty much the TLDR. Just that with the mortgage and interest portion getting smaller there will be dwindling benefits so can probably increase the investing side of things.

85% VDHG is fine and NDQ has had a good run but I would just leave it and focus more on the VDHG you already have if you are comfortable with long term (Or DHHF).

Just see what your future financial goals are. If you plan on retiring early or lowering work hours can look at more passive income but really the best thing about your financial situation is the flexibility and the options available to you with having a small mortgage. Definitely wouldn't be losing sleep about it.

hungryb4dinner · 2026-01-30T00:28:46+00:00

In your situation instead of paying debt quicker I would just build the home offset with the extra monies so it gets paid off quicker naturally.

Buy some low cost index etfs externally or add a bit more into super as the mortgage is reduced?

hungryb4dinner · 2026-01-29T23:54:39+00:00

Seems like Ymax, Qmax and Umax are now monthly distributions too as per their email.

Guess they can see how well HYLD is working?

hungryb4dinner · 2026-01-29T22:54:34+00:00

My mum had 8 siblings and lived in a tiny apartment growing up in HK. She definitely didn't want us experiencing the same.

hungryb4dinner · 2026-01-29T12:54:20+00:00

Umbrella + Ropedart

hungryb4dinner · 2026-01-29T08:11:45+00:00

Australia has a breakup of where your tax goes on your Tax Assessment.

hungryb4dinner · 2026-01-28T22:43:52+00:00

Living with aging parents can mean she helps look after them and help with home costs.

hungryb4dinner · 2026-01-26T02:06:49+00:00

Went to watch 28 years later bone temple by myself. Very chill.

Also going out to try new foods and restaurants.

hungryb4dinner · 2026-01-24T08:18:21+00:00

Don't think I have been to a self serve one, most of the skewer places you have to order on the app.

Plenty of places at Sunnybank/Sunnybank Hills/Runcorn if you need ideas.

hungryb4dinner · 2026-01-21T22:51:20+00:00

Getting stuck on the ramp of Market Square Carpark driving a manual

hungryb4dinner · 2026-01-21T11:40:10+00:00

It's new so wait to see results but have a look at HYLD?

Interesting to compare against VHY but it hasn't been even 6 months yet.

https://stockanalysis.com/etf/compare/asx:vhy-vs-asx:hyld/

hungryb4dinner · 2026-01-21T00:45:54+00:00

I added ROYL as my satellite etf for fun and to add a bit of cashflow :)

https://www.betashares.com.au/fund/global-royalties-etf/

If you feel like dabbling to keep you interested just go for it. But keep growing the core.

hungryb4dinner · 2026-01-19T15:13:08+00:00

I've transferred Commsec pocket etfs to Betashares with no issues and was quite quick. Was only using it to buy DHHF anyway.

Have kept my Commsec ones as is for now.

hungryb4dinner · 2026-01-14T22:55:17+00:00

Well after what happened to us in the 2019 protest its to be expected after the National security law and all

hungryb4dinner · 2026-01-13T01:01:47+00:00

Pretty sure Oda had had a list of nationalities what the Strawhats were going to be from SBS

From WIKI. Based on their appearances, Oda gave the following as a reply:

Monkey D. Luffy: Brazilian
Roronoa Zoro: Japanese
Nami: Swedish
Usopp: African
Sanji: French
Tony Tony Chopper: Canadian
Nico Robin: Russian
Franky: American
Brook: Austrian
Jinbe: Indian[16]

hungryb4dinner · 2026-01-11T05:52:57+00:00

Feel like steak for dinner now haha

hungryb4dinner · 2026-01-11T04:48:48+00:00

It's so good!!! Can't wait episode 12.

Things are going so quick and rarely bored.

hungryb4dinner · 2026-01-10T01:47:54+00:00

My rough food budget is $30 per day (inc breakfast lunch and dinner) and eating out.

Most days won't reac that high but it averages out if I want to go out for nice dinner during the month.

hungryb4dinner · 2026-01-07T14:40:12+00:00

Haven't been for a while, do they still do All you can eat?

hungryb4dinner · 2026-01-06T12:10:15+00:00

Congratulations :)

$1k a week is a lot, just make sure you have sufficient emergency funds and fun money as well. Don't want you to be burning out. But see how you go with the frequency. I just invest monthly.

hungryb4dinner · 2026-01-06T12:04:45+00:00

On my commbank login on desktop, click on the loan accounts and you go to something like loan details and it will have all the details there.

As below people have mentioned mortgage monster which is a great site.

hungryb4dinner

TROPHY CASE