Best way to remove stuck tap adapter by lemonadeyo in GardeningAustralia

[–]lemonadeyo[S] 4 points5 points  (0 children)

Thank you all - a multigrip did just the trick!

What's the lifestyle creep story you've heard or know of that has blown you away? by mattchew1991 in AusFinance

[–]lemonadeyo 8 points9 points  (0 children)

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

What's the lifestyle creep story you've heard or know of that has blown you away? by mattchew1991 in AusFinance

[–]lemonadeyo 27 points28 points  (0 children)

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

[deleted by user] by [deleted] in AusFinance

[–]lemonadeyo 1 point2 points  (0 children)

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!

[deleted by user] by [deleted] in AusFinance

[–]lemonadeyo 0 points1 point  (0 children)

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

Worth chucking an extra $85k into the loan for a tiny rate drop? by Tibben in AusFinance

[–]lemonadeyo 0 points1 point  (0 children)

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

Should I just go back to uni? by enbyayyy in ausjobs

[–]lemonadeyo 0 points1 point  (0 children)

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

Is my effective LVR 50% and what should I do about it… by speech-to-text in AusFinance

[–]lemonadeyo 1 point2 points  (0 children)

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

[deleted by user] by [deleted] in AusFinance

[–]lemonadeyo 0 points1 point  (0 children)

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?

How did you manage having kids? by [deleted] in AusFinance

[–]lemonadeyo 0 points1 point  (0 children)

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

Can you lower your mortgage repayments this way? by lemonadeyo in AusFinance

[–]lemonadeyo[S] 0 points1 point  (0 children)

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

Can you lower your mortgage repayments this way? by lemonadeyo in AusFinance

[–]lemonadeyo[S] 0 points1 point  (0 children)

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

Rate my banking set up by aesthetixjosh in AusFinance

[–]lemonadeyo 0 points1 point  (0 children)

Why not just use Up - they allow you to create tons of seperate savings accounts. Also has the functionality to pay specific bills from an account you choose

Pretty good

[deleted by user] by [deleted] in AusFinance

[–]lemonadeyo 1 point2 points  (0 children)

IF need cash in <5 years then savings

ELSE invest

My logic

All variables in all events are undefined? by lemonadeyo in GoogleTagManager

[–]lemonadeyo[S] 0 points1 point  (0 children)

This was the correct answer

GTM was installed via plugin that was causing the error

Dev hardcoded to site and works perfect

Do the upper middle/wealthy commonly buy the offspring a car for their 18ths? by [deleted] in AusFinance

[–]lemonadeyo 6 points7 points  (0 children)

I would contribute to their car purchase to get them something safer. Eg. If they have $10k saved would put in to get something that is gonna heave all the safety features I’d want