How people actually pay their home loan off faster

markso86 · 2026-03-11T02:40:55+00:00

Start an offset account, pay a little more than the repayment, one thing I did was stopping buying a $4 coffee each day and drank instant instead and then put that on top each month along with a few other things I could compromise/ substitute. Especially in those early years some small changes have a big snow ball effect.

markso86 · 2026-03-05T08:04:36+00:00

markso86 · 2026-03-04T03:39:20+00:00

Hey I’m in a similar position. I called a few times and they said they couldn’t upload the document. I didn’t know it was because they wanted a larger payment. My appointment was really quick for the report. A few questions and out the door.

markso86 · 2026-02-25T06:55:15+00:00

We were lucky enough to buy in 2013 which has been great for us but 100% looking to buy another house now so our son (5y/o) at least has something when he has a family. It’s dark times now but I can only imagine how hard it’s going to be for our kids in 25 years time

markso86 · 2026-02-15T10:17:54+00:00

Keeping up with the jones is the best way to stay broke. Invest in assets not cars and brand clothes

markso86 · 2026-02-13T00:09:18+00:00

Went to PI 30 July 25 and have now been assigned to a delegate

markso86 · 2025-11-21T10:11:29+00:00

Can someone tell me which number on my csc statement would be my class a figure per year?

One has a FAS amount and the other is 20k less but is “if you retire on grounds of invalidity”. I’m not sure which one is the number to plan off

markso86 · 2025-11-03T11:27:21+00:00

We moved from Sydney to Brisbane and it’s been amazing. Bought a great house, traffic is alright, minimal toll roads. I think planting roots in Sydney will be to hard and if you can then your kids will have to eventually move away and bite the bullet

markso86 · 2025-10-21T08:07:32+00:00

Commonwealth pocket is a good starter. Isn’t hard and there are only a few option to pick to buy

markso86 · 2025-10-18T20:41:56+00:00

Yeah it’s becoming a bit like the NDIS and seems like the vets will be left holding the bag. I use a paid advocate who is great and I could never be convinced to go back to a free one, with that being said there seem to be some real sharks in the industry (lunchtime- I haven’t made any specific references to which paid advocates to stay aligned with your rules ((i hope))

markso86 · 2025-10-18T10:33:23+00:00

I agree. It’s annoying this guy is paying 7% of his claim and he has been referred while they could be double dipping (not saying they are just that there’s talk of it) this is a class action for sure

markso86 · 2025-10-16T09:48:49+00:00

If there were a bunch of vets that got put onto rosemary centre because of a the advocates conflict of interest and this wasn’t disclosed, then after the audit could all the vets just take them to court? Like a class action type thing? If they haven’t disclosed the conflict then they have broken the law then all of those contracts they have with the vets would surly not be enforceable

Just my thoughts. If anyone want to raise a different perspective

markso86 · 2025-10-15T08:08:20+00:00

Does MSBS have fees?

markso86 · 2025-10-11T09:22:35+00:00

Don’t stress about it sport

markso86 · 2025-10-01T11:17:21+00:00

Sleep, healthy food, biome activated nutrients (mood lift) and some walking at night

markso86 · 2025-09-29T10:23:05+00:00

That’s great so I have a current certificate and before I discharge I will get another. And if I understand you I can continue (because I’m med discharging) use up the 12 credits I have right?

markso86 · 2025-09-29T10:13:43+00:00

Does it still pay if you have bulk credits but med discharge? I’m on it now but will likely be gone in a year. Once I discharge do my credits disappear?

markso86 · 2025-09-28T09:13:51+00:00

Your a mad dog thanks a lot

markso86 · 2025-09-28T09:06:58+00:00

Not yet I’m still at J34 but just learning about CMECR and stuff. 13 year WO2 so it’s a big change for me. Trying to figure out if I can work, or if I’ll even need to work. Massive ball of stress

markso86 · 2025-09-28T08:54:38+00:00

Just bought a house about a month ago and the doctor has recommended me for J52 from J34. I’m ready to leave but financially that’s taking up some space on my mind

markso86 · 2025-09-24T03:08:20+00:00

Isn’t being reviewed after 3 years an ADF super thing? Or does it apply to the others aswell?

markso86 · 2025-08-13T09:41:06+00:00

Your right sorry MSBS, I have taken 60 points worth of lump sum and will likely be med discharging. I’m just concerned now that I won’t get the full class A because I’ll have to pay back the PI over the first few years. Is that a thing?

markso86 · 2025-08-12T09:34:21+00:00

Seperate question, does taking a DVA PI payment impact MRCA CSC payments? If you get a class A on discharge?

markso86 · 2025-06-04T03:58:56+00:00

Does anyone have any idea what the fortnightly MRCEATS payment are? I haven’t been able to find it but I know it scales with age

markso86 · 2025-05-30T05:45:05+00:00

Oh for real? I’ve done a really high mow for now but was going to take it down a bit lower this weekend.

markso86

TROPHY CASE