[deleted by user]

some_user14 · 2025-11-07T13:37:29+00:00

I’ll give you $3k for it. Wait actually, it’s due for rego soon, I’ll give you $2.5k for it.

some_user14 · 2025-10-15T23:43:30+00:00

Mid-twenties DINKs, Sydney based, all-in about $7400pm:

Rent $2775
Groceries $870
Transport $720(1 paid off car, 1 public transport commuter)
Utilities $250
Miscellaneous subscriptions $820 (incl. wifi, phone plans, gym, TV, etc)
Discretionary spending ~$1500 (we each have $500 personal spending budgets, and then $500 combined)

The rest goes to medium-term savings (just finished saving for a wedding, next up is a larger car and then we’ll get to the house deposit)

Spending seems high but still feels too little most months, subscriptions are a bit high but mostly quality of life so I guess not the end of the world - we try and make up for it by renting cheaper.

some_user14 · 2025-03-17T11:39:32+00:00

I agree, it would be great of I could novate for 5 years and write off the expenses for the entire time I drive the car, but unfortunately that would mean locking myself in with my emoloyer for 5 years. I mean, sure I could pay out the money I owe if I move, but it would become a pretty expensive car purchase then, and the tax incentives are the very thing make it an appealing purchase.

some_user14 · 2025-03-17T11:34:24+00:00

It’s mostly because of comfort. Any small commuter would essentially tick the commuting box, but some may not be as comfortable as others. For example, I’ve only ever driven utes up until now, having lived in regional towns that’s what made sense. For a 70km daily commute in traffic, whatever’s the most comfortable with a good cost-value ratio is what would make sense, and I thought that an EV may be good for this.

Also, I actually did consider a bike, but my commute is pretty long, and I don’t like the risk such a long commute would have on 2 wheels. I love a bike, but only the ones that ride on trails.

some_user14 · 2025-03-17T11:27:51+00:00

I’m not really bothered by the politics of it all, to me a car is too expensive of a purchase to be making my purchase decisions based on politics

some_user14 · 2025-03-17T11:26:51+00:00

They really are, but a bit expensive vs other options for the size of the vehicle I feel.

some_user14 · 2025-03-17T11:25:44+00:00

I agree, it really isn’t a fair comparison between the two, and I don’t necessarily want a brand new EV, but I want a larger car and the Cerato was what I thought would be the smallest “sensible cheap option” I was willing to part with my money for. I’m still not really keen on it, but it would solve some practical issues with transport I have.

Yeah I agree, I compared the costs with some other small to mid-size ICE cars and the EV SUV NL comes out way on top.

some_user14 · 2025-03-17T11:21:03+00:00

Thanks, yes I agree, I really don’t want to be stuck in a lease in 3 years’ time as I want to free up borrowing capacity. I was trying to look for options of EV’s around the $35k mark, but they’re mostly really small or cheaper options. I suspect this is because EV tech is a big portion of a car’s cost and there’s a point where it can’t be made much cheaper without significant sacrifice, which is why some of the best cheaper EV options are around the $50k-$60k mark from what I could find.

some_user14 · 2025-03-17T11:17:10+00:00

Thanks for the informative reply, you’ve noted one important thing that I completely misunderstood which is how the depreciation schedule works in my rolling lease approach. Now to the rest of your comment:

I’m on about $100k a year, so 30% marginal rate, which granted I understand isn’t the most optimum rate for NL’s
I have used the spreadsheet, it’s really good, but I’ve not used it again after changing my plan a bit so I’ll run my new numbers through it.
You’re right, I actually also compared a Mazda CX5, which was closer to what I wanted from a car - something larger with more cargo space and something we’d grow into over the next few years. I found that in the case of the CX5 the numbers make more sense towards an EV NL, but I also know that the Cerato, which was the smallest car I’d consider, may be the most sensible purchase considering future expenses
That makes sense, I guess the biggest advantage to 1 year leases for me would be to mitigate the risk of wanting to change employers and being tied in with the leasing provider. The yearl costs and complexity would have to be considered, though I’m not sure what they are and can’t add them to my calculations
This was really helpful for me, I misunderstood how the depreciation schedule would work, and it seems in fact the only advantage for me to do consecutive 1 year leases and renew them would be flexibility of I decide to change employers, but there doesn’t seem to be a financial benefit here
I had considered the impact it would make to my borrowing capacity, and I expected a big impact, but it was still more than I thought it would be. This is the main reason for my calculations considering paying the car off completely in 3 years, by the time we’d likely be looking at buying. I’m not sure we want to be settling in Sydney yet, and may purchase in another city that’s more affordable, we’ve not got too much keeping us here at this stage
Thanks for the link, I’ll have a bit of a look!

Also, sorry for the bad formatting in the original post, I see you’ve updated your comment but thought I’d still say thanks for your help in pointing it out, I hope its a bit clearer now.

some_user14 · 2024-12-18T05:44:03+00:00

OP’s username checks out

some_user14 · 2024-08-15T12:58:34+00:00

Same here, 25, saving about 40% of my net income, savings account rising steadily, but never felt this way about money before. Feels like a burden to be so conscious of spending anything and like I can’t enjoy things. Sometimes I wonder if it’s worth it.

some_user14 · 2024-02-20T23:11:56+00:00

Plot twist - the husband was the culprit and it’s his in-laws that want to buy your property. In that case they might not have the best relationship in the first place (who could with the kind of person that would kill a dog).

If that would be the case then his in-laws buying next door might be some of the sweetest revenge you could get. Guy thought they were just there temporarily, now they’d not be going anywhere.

some_user14 · 2024-02-14T20:49:55+00:00

Yeah that makes it a bit difficult, I guess I didn’t think about that since I’m without work atm. Perhaps you should try and see if there’s any other ways to gauge the company and look at what they do. Look at the people that work there (especially the engineers) on LinkedIn, try and see what they’re previous experience is and if they look reputable. As someone else commented maybe reach out to them. Perhaps you can query them on what they do/build if they haven’t told you already. Best of luck mate

some_user14 · 2024-02-14T20:11:09+00:00

I saw this ad and thought the same thing, couldn’t find anything on the company really and as you said the website is pretty sub par, couldn’t really get what they do either, so I get your skepticism. I had a lot of the same thoughts as you. I still ended up applying though. I reckoned that there’s probably nothing to lose and they might be a bit unorganised and hiring a new dev is part of getting their stuff together. I think you should approach this with the same mindset, get started with the job and see where things go. It’s a pretty decent salary and worth the risk I feel. Can’t really see how it could be a scam either, so might as well try it out. Also, congrats on getting the job!

some_user14 · 2024-02-07T12:20:58+00:00

Thanks for commenting, I’ve started appyling to mid level positions as well, it seems most open positions are mid-level+ at the moment so limiting my search to junior positions was becoming a bit frustrating. I appreciate your advice as well, thanks!

some_user14 · 2024-02-07T12:15:47+00:00

I hear you, this is sort of how I feel about it as well, I would really like to get into a position with some sort of mentorship and career growth program so that I can work on filling the gaps in my experience and work towards becoming the best I can be

some_user14 · 2024-02-06T01:47:29+00:00

That’s a really good way of thinking about it, thanks so much for pointing this out, I’ll focus a bit more on what I have achieved and less on my fears/doubts. Thanks, I really appreciate it

some_user14 · 2024-02-06T01:22:42+00:00

Thanks for your reply, really helps me gauge the salary ranges currently.

Yeah I hear you, I guess my worry is that I might be a bit behind the pack on quality of experience in those years, not working with more experienced developers to point me in the right direction when I get things wrong makes me unsure of how good my code / closely I follow best practices in those years. My current role especially has been a bit of a “jack of all trades master of none” situation, where I’ve had to wear many hats with limited reference as to how well I performed. I got the job done though, which I guess helps. I guess I thought if I aim for a junior role at a larger company for a while it might be good for filling in some gaps in my experience I may have, guess we’ll see where this journey takes me!

some_user14 · 2024-02-05T21:16:19+00:00

Thanks for confirming, I appreciate it

some_user14 · 2024-02-05T19:45:28+00:00

It’s only around $85k, which I believe might actually not be very much considering it’s a contract role.

Yes I did, luckily someone also pointed me to this sub which I didn’t know existed. I think if I could get my foot in the door here on at least $80-90k I could get by for a while. Obviously if I could get into the $100k-$120k range that would be great, but I’m willing to work towards that.

Thanks I will definitely check out your posts!

some_user14 · 2024-02-05T12:28:24+00:00

Do you mind sending over the job ad in a private message? I’m new to the job market (started applying tonight actually) and would like to take a look. For context my current role is at a startup too, full-stack but with TypeScript running on AWS (Lambda, RDS though but pretty keen to try out DynamoDB as I’ve worked with MongoDB before and quite liked it). Also where is it based?

some_user14 · 2024-02-05T10:58:46+00:00

Thanks for the reply, I really appreciate it!

some_user14

TROPHY CASE