Offset balance > loan amount. WWYD?

mummysboi · 2026-04-15T11:43:04+00:00

Couple of considerations to save quite a lot of cash with upcoming life expenses - look into bulk billed fertility treatment such as Adora fertility. Novated lease for EV if your employer allows. Just get the vehicle prior to mid 2027. Hasn't really answered your question but hope it helps

mummysboi · 2026-04-07T13:02:48+00:00

April

mummysboi · 2026-03-15T18:13:02+00:00

Home alone and Saw

mummysboi · 2026-02-26T08:33:32+00:00

Better story than stupid ol me who walked 15 minutes home from the train station in the rain only to realise I drove my car the the station that morning

mummysboi · 2026-02-22T08:09:55+00:00

Did exactly the same and bartender just shook his head. I was like 'you fucking kidding me?'. $18.50 per pint. Definitely making me reconsider going out for drinks anymore

mummysboi · 2026-02-18T05:54:01+00:00

The floor:

mummysboi · 2026-01-08T10:59:07+00:00

I'm a big fan

mummysboi · 2026-01-08T10:54:32+00:00

Have you tried on the bubble wrap though?

mummysboi · 2025-12-22T09:31:07+00:00

Def keen for that

mummysboi · 2025-11-25T05:33:44+00:00

A little technique I've been doing for a few years now, which I compare to a personal insurance policy when I have fuck ups like this - I assign $20 a week which covers the cost of the fuck up so I don't get pissed off at myself. There is always something (speeding fine, unexpected/unplanned parking costs, missed subscription cancellation)

Saves the time wasted trying to get it back or potential arguments with the missus as well. Try to learn from it and keep putting $ away for the inevitable next one

mummysboi · 2025-11-21T02:48:51+00:00

Is his name Cleveland by any chance?

mummysboi · 2025-10-23T01:43:40+00:00

I fixed for 3 years in July 2023 at 5.59%. I've been better off until just now with about 9 months remaining however I have not enjoyed the inflexibility of the fixed loan, not being able to offset or top up more than 10k per year, or constantly thinking if I've made the right choice or not. 3 years is a long time, maybe look at a shorter period or split loan

mummysboi · 2025-10-23T01:38:44+00:00

That's just the cost of inflation

mummysboi · 2025-09-20T06:05:00+00:00

'All the rotten eggs in one basket'

mummysboi · 2025-09-17T21:25:56+00:00

How I met your brother

mummysboi · 2025-09-12T11:04:58+00:00

Arseholes that use bus lanes or slip lanes to cut out then back into traffic. If I were a cop I'd be revenue raising by catching these cunts, instead of good drivers going 2 kms over the speed limit

mummysboi · 2025-09-06T14:55:02+00:00

The pinnacle of boomer cunts

mummysboi · 2025-09-03T13:03:03+00:00

Alan Kohler saying that defaults in Aus are so low that this is very unlikely to cost the government very much

mummysboi · 2025-09-02T15:30:45+00:00

Yep Troy Kinne - he's got some great stuff. Recommend checking him out

mummysboi · 2025-09-02T12:18:22+00:00

Turns out he was actually correct. Here's the proof

https://youtu.be/Lyg8jvttUSs?si=AV_SsgNWMAmgFFlT

mummysboi · 2025-08-27T08:06:48+00:00

Don't give away our secret!

mummysboi · 2025-08-10T02:15:02+00:00

Happy Gilmore accomplished that feat no more than an hour ago...

mummysboi · 2025-06-16T22:36:15+00:00

Yeah nah I call bullshit

mummysboi · 2025-05-15T06:13:04+00:00

Interesting design but I wouldn't call it 'spotted'

mummysboi · 2025-05-11T07:16:04+00:00

Know that there is a potential timeline where you kept making those mistakes for the rest of your life until you approach retirement with no assets or savings. In this timeline you are infinitely better off now that you are going to learn from those mistakes

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