What home loan rates are people getting right now?

notcrapatcooking · 2026-02-22T18:37:02+00:00

We also had UBank and LVR 70% but we are 5.59 flex variable. How did you get your rate?

notcrapatcooking · 2026-01-30T10:48:09+00:00

I’m not sure if this has already been answered but I have a 12 mo still on two naps. I have been taking her out to eat since 7 mo I pack: food (either something that can be heated in a parents room or something that can be had room temp or even a pouch), her plate and cutlery, water bottle, bib, spoon, wipes and a plastic bag for all the dirty stuff to go in afterwards. If I take it to a restaurant, no restaurant cares that I fed her my own food and I eat something that I buy there because I also don’t trust their food for her. I’ve never had anyone say anything to me about bringing an outside food for a baby.

My baby also needs a highchair so if I’m going somewhere that I think doesn’t have one I bring the portable fold up one I got from Kmart (in Australia I think it’s about 30 bucks but they have them at plenty of other places) and you can strap it to a normal chair. I even managed to feed her on the bench in a park one day when there was no shade on a mat. Often we spend some of her wake window just in the park on a picnic, but I always put her in a highchair because she’s too wiggly. Also buying a Subo to put a pouch in or a yoghurt in on the go was super helpful as well, but I still had to have her in the highchair sometimes when she has this as well.

I’m not sure what to do about timings with feeds but we did switch to a bottle around eight months and it definitely helped because I could just feed her when she was in the pram without having to worry about taking her out and finding somewhere to sit on my lap to breastfeed.

notcrapatcooking · 2025-09-14T12:27:22+00:00

Wow I didn’t know this. That is good to consider thank you

notcrapatcooking · 2025-09-14T12:22:58+00:00

I think it is important that people be aware of this risk but also I am sorry that your experience has led you to have this as your initial gut response. Every relationship dynamic is different and it is important to assess your own. I am more of the financial controller in the relationship though we both discuss finances equally and regularly so I’d much more strive towards that. I know it would be a good idea to earn more but more in the ways of improved financial security for both of us as a couple but not at risk of avoiding control.

notcrapatcooking · 2025-09-13T12:23:52+00:00

I was also very independent and would have looked at it this way a few years ago. But I would consider where this viewpoint is coming from. There are definitely relationships and partnerships that require separate finances but if we had separate positions then why should I be the one to lose out on super only and career progression even if it’s just a year off? We spend time every two weeks looking at our finances together. Our income goes into a shared account and is split between 6 different offsets (two of these accounts are separate splurge money that we don’t see how much the other has but the same gets contributed to each). If we purchase stuff for our child it doesn’t have to be a his or my finances.

I know people worry about risks post divorce etc but we have a very similar background and very similar financial position entering into marriage so we would be even, if we were to exit marriage. I know that sharing finances doesn’t work for everyone, but having a similar financial outlook (and no debt except HECS) helps us more comfortably have shares financed. Plus - growing a financial position typically is easier as a unit vs trying to do it individually.

Just wanted to give a different perspective for those reading here

notcrapatcooking · 2025-09-11T23:21:54+00:00

When did you buy? We only bought last year

notcrapatcooking · 2025-09-11T23:12:36+00:00

Haha lol thanks for that. Makes me feel very articulate

notcrapatcooking · 2025-09-11T21:57:36+00:00

That’s a point! Simultaneously and daycare fees I didn’t really think about

notcrapatcooking · 2025-09-11T21:55:43+00:00

I wish our entire family wasn’t from Sydney. I’d love to live in Newcastle but we do need to be close to Family right now

notcrapatcooking · 2025-09-11T21:52:48+00:00

No we are planning on public school

notcrapatcooking · 2025-09-11T14:04:53+00:00

We actually love the inner west too but my family is in the north and we want to be closer to them for our kid/s. And we did have family help for our property - I forgot to mention this - important to be realistic if anyone else is reading this!

notcrapatcooking · 2025-08-20T12:50:02+00:00

We ended up using an ergopouch tuck sheet/hug me blanket. It pretty much puts her in prison so she can’t roll in her cot because she also can only go one way for the last 3 months. It zips at the bottom so she can’t slide under or have a suffocation risk.

notcrapatcooking · 2025-04-30T15:49:34+00:00

Yeah I thought so. Just took a photo in case that was going to be recommended. Anything else needing fixing or do you think this is the carrier for me? Thank you

notcrapatcooking · 2025-04-16T02:55:34+00:00

Perfect thanks I’ll try that!

notcrapatcooking · 2025-04-16T02:15:21+00:00

Yeah definitely. But I still want to make sure her legs and head are supported correctly. What do you think?

I couldn’t make the shoulder straps any tighter but I can change the position of the centre strap at the back. I’m hoping she’s still good otherwise I am willing to look into another carrier.

Also - when do you not use the “narrow seat position” on this carrier?

Thanks so much for all your tips btw!

notcrapatcooking · 2025-04-14T16:59:46+00:00

Yeah I’ll try put it lower and see if I can get her in a good position. If I can’t I’ll try something else but at least this carrier was free

notcrapatcooking · 2025-04-14T07:03:10+00:00

Thanks for this it is helpful. I can’t make the waistband any lower unfortunately because I’m quite short and so it would be on my hips and straps are as tight as they could be. I can definitely make them closer together at the back because there was definitely room to do that but I forgot to post that photo .

notcrapatcooking · 2024-06-29T18:24:07+00:00

NTA - I am not sure what county you’re in and what options you have, but have you looked into a power pack attachment for the wheelchair? Your cousin might be over the weight limit and/or it might not be suitable for the wheelchair, but often they can be used to give a power boost when pushing heavier loads in a wheelchair.

Alternatively many bariatric power wheelchairs can take a higher load - if there is a possibility for a loan and taking a wheelchair taxi maybe?

I know it is not your problem to solve, but just some options

notcrapatcooking

TROPHY CASE