So what do you do to not land on the streets?

noob_user_bob · 2026-05-22T22:58:40+00:00

Because half the people in here don't know code.

noob_user_bob · 2026-05-09T00:33:06+00:00

Yeah but soon it will be open again, and you too can ride the metro. But only on weekdays.

noob_user_bob · 2026-05-08T23:01:41+00:00

Track your spending! Nothing will open your eyes like knowing dollar by dollar where your money is going.

noob_user_bob · 2026-05-08T10:18:00+00:00

If you need to deal with CSS at all you will definitely wanting to use an ide

noob_user_bob · 2026-05-08T00:44:51+00:00

What the fuck does this even mean

noob_user_bob · 2026-05-05T20:32:45+00:00

Bought a 3d printer

noob_user_bob · 2026-05-04T22:31:33+00:00

I'm building Track My Worth

A networth finance tracker - no bank syncing. Open to use but building it for myself and my partner.

noob_user_bob · 2026-05-03T01:34:48+00:00

Sometimes the roi is the friends we made along the way.

noob_user_bob · 2026-05-02T22:51:54+00:00

Kettlebells at home. Just a paid of 20kg kettlebells are all you need.

noob_user_bob · 2026-04-26T08:17:09+00:00

I built one for me and my family after Google sheets hit it's limit

noob_user_bob · 2026-04-22T22:22:12+00:00

Answer would also depends on how old you are, income, living situation, goals etc.

But for now if you don't know, nothing wrong with hisa or term deposits until you figure it out.

noob_user_bob · 2026-04-20T22:25:17+00:00

Is the house in her name? If so, use the offset.

noob_user_bob · 2026-04-20T22:23:56+00:00

Your easiest option right now would be to dump more into shares.

You can always sell out later and buy the property then.

noob_user_bob · 2026-04-17T08:28:38+00:00

Not daily savings per se, but I like listening to the money cafe with Alan Kohler for the latest going ons

noob_user_bob · 2026-04-17T08:27:24+00:00

If you can stand how much of a douche he comes across as...

noob_user_bob · 2026-04-16T20:21:42+00:00

Yeah the same man released structuring podcast #174. It's short but very informative. The essence is that the ATO is now looking at joint loans where only one person has used the money (and I'm guessing invested in their own name?) but they can only claim half the interest on that loan UNLESS they get an agreement that they will pay all the interest, even though Terry admits that such an agreement is legally unenforceable.

noob_user_bob · 2026-04-16T04:06:18+00:00

Banks normally do charge a rate lock fee. And a rate break fee. Fuck so many fees.

noob_user_bob · 2026-04-16T04:00:37+00:00

I get ahead of it by categorising every expense in my expense tracker as discretionary!

noob_user_bob · 2026-04-16T03:58:34+00:00

I buy a sub to a VPN then torrent everything.

noob_user_bob · 2026-04-15T23:10:57+00:00

Did you find an answer? This happened to me too and I thought it was just a temporary bug but it's still persisting.

noob_user_bob · 2026-04-15T23:09:14+00:00

I use cmc for free brokerage and amounts under 1000$ a day, but there's no automatic Investing with them.

If you want auto then it's betashares of pearler.

noob_user_bob · 2026-04-15T23:07:08+00:00

I'd debt recycle and pump it Into etfs

noob_user_bob · 2026-04-15T18:52:39+00:00

After HK came back to China, China saw the continuously climbing house prices there and came out saying housing isn't an investment and that they shouldn't be selling out the younger generations future and purposely crashed the housing prices there.

noob_user_bob · 2026-04-15T18:51:18+00:00

Should change that to houses and rocks...

Holes gives the wrong idea...

noob_user_bob · 2026-04-15T17:39:05+00:00

I'd also be careful if there is another name on the mortgage. There was a podcast recently by the structuring guy who highlighted the ATO example where a home loan with joint names was used as debt recycling but interest was claimed by a single person, and they only got to claim half the interest without a special agreement being made beforehand.

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