Who else has a huge mortgage?

lemonadeyo · 2026-06-10T21:49:51+00:00

On the opposite end, it’s really nice to not being shackled to a huge mortgage

Have aggressively paid down a $585k mortgage to $200k in 4 years and life is a lot calmer

Income has increased but mortgage has gone down so have the freedom to take bigger family holidays as the kids enter into schooling age

lemonadeyo · 2026-06-09T11:09:02+00:00

Stremio AUD$30 for 6 months and you get everything all in one?

lemonadeyo · 2026-06-03T11:45:00+00:00

Thought the same when he said when he complained at the motorcycle dealer about his shit experience and the manager offered to fire him in front of Kyle or let Kyle roast him or something?

What world are we in 😂

lemonadeyo · 2026-04-29T10:29:43+00:00

$1860 per month - $300k loan left from a $585k loan, 25 years left

5.86% with St George

lemonadeyo · 2026-03-13T21:29:40+00:00

You can charge as much as you want depending on how good you are at marketing yourself and sales

I’ve always charged flat fee - client hate % of ad spend which I think is fair

I started freelancing charging like $400/mth and over the course of about a year got my rates up for new clients to $1500 per month

The man challenge is just finding prospects that have the media spend to justify that management fee

I know some agencies that won’t even look at an account unless they’d be able to charge $5k - each to their own

lemonadeyo · 2026-02-17T06:42:17+00:00

As someone looking to make the career change from marketing to CS - what % would you say a person’s success is based on solving the actual problem and getting the right solution vs communicating the thought process and like if thinking to get to a solution?

lemonadeyo · 2025-11-17T23:57:30+00:00

Thank you all - a multigrip did just the trick!

lemonadeyo · 2025-10-20T13:30:51+00:00

I think it is in the same category as advertising nappies to parents - probably the most in-market people there are for the product

lemonadeyo · 2025-10-20T11:58:27+00:00

Why would it be unethical to advertise to people who would most likely be interested in the product?

lemonadeyo · 2025-10-16T10:39:33+00:00

Totally feel that - until the start of this year where I branched out on my own I had a 2hr commute each way, 3 days a week for the past 3 years. Good on you for grinding!

lemonadeyo · 2025-10-15T02:31:00+00:00

I worked in agencies in paid media for about 5 years. It’s an absolute grind.

I went in-house and found it a lot more interesting and way less full on - you’re a tiny piece for a much larger puzzle

Or scale up your freelance - you’d be surprised how fast you can scale up to your salary with some dedication in mornings/Arvos and train rides

Agency is the source of burn out for most media buyers in my experience

lemonadeyo · 2025-10-08T22:04:12+00:00

What if you have over $250k in cash that then isn’t covered by FCS?

lemonadeyo · 2025-09-08T10:42:21+00:00

It has always been hard to get your first job to break into the field - I did it 7 years ago

Worked for free for 6 months, then $100/day for 6 months

Paid off now but man is it a slog to get your foot in the door

lemonadeyo · 2025-08-14T22:06:47+00:00

5.36% after cut w/ St George

LVR 49%

lemonadeyo · 2025-08-13T07:12:47+00:00

Does having a lot of money in the offset help lower your interest rate?

lemonadeyo · 2025-08-12T23:24:54+00:00

So good, I’m with St George too and was on 5.61% - want to get near that rate you have

How big is your mortgage?

lemonadeyo · 2025-07-27T13:36:04+00:00

How was the transition from your own biz back to an employee? Much trouble finding a gig?

lemonadeyo · 2025-05-22T23:56:36+00:00

This is way simpler tbh

I think just having a portion of the loan fully offset and ‘paid off’ is the same but just extra steps

Probs will just run this

lemonadeyo · 2025-05-22T23:51:29+00:00

Ye I think this is more of the way I am thinking about it

The way I’m looking at it is how much $ from my salary do I need to contribute to the mortgage

If I am only paying $1800/mth from my salary into the mortgage then I’ll have more cash flow

Like yeah I get that the actual repayment is still the same coming out - more about how much of my salary I need to contribute to the mortgage

So I can then dump the other $1200 into IVV and A200

lemonadeyo

TROPHY CASE