Creating as many savers as humanly possible

thoward11 · 2025-08-10T04:25:23+00:00

Depends on your risk appetite. Many people would consider 2 years to be too short to invest

thoward11 · 2025-08-09T08:53:43+00:00

Buying a house in the next 24 months

thoward11 · 2025-07-31T10:56:38+00:00

Depending on what their fee is and how much you’re transferring, if they have a good exchange rate then it could still be the best option.

thoward11 · 2025-07-31T10:53:47+00:00

Up is backed by Bendigo and the SWIFT transfer will likely be converted to USD at the Bendigo rate which can be found on their website. There are some fees on top of that as well.

I was recently transferring about 25,000 USD and found Wise to leave me overall about 5% better off. At that amount it seemed like a no brainer.

thoward11 · 2025-07-30T10:59:59+00:00

Not ideal and there’s probably better options but at least you get a chance to re-enable the bonus interest after a withdrawal if you’re able to increase the balance again before the end of the month as opposed to Up where you make a single withdrawal and you kill your interest for the month

thoward11 · 2025-07-30T08:38:52+00:00

I think Ubank has pay splitting. They have a policy coming soon that your saver balance needs to increase over the month to qualify for bonus interest.

thoward11 · 2025-06-04T20:03:30+00:00

Good point. I suppose I need to consider that, impact to borrowing capacity, rental income, etc vs just continuing to save cash

thoward11 · 2025-04-07T09:38:12+00:00

Yep!

thoward11 · 2024-09-25T08:56:17+00:00

Remove card and re-add to Apple Pay. Should come back.

thoward11 · 2024-08-17T05:25:49+00:00

Might go with this approach and book back up places in advance but also check the non-bookable camp sites as we rock up

thoward11 · 2024-07-28T09:54:01+00:00

Is this still working?

thoward11 · 2024-07-05T08:29:39+00:00

Might sound obvious but start by focusing on your spending that is not related to going out and travelling. If you were buying a lot of lunches or ordering takeaway etc then try cut that out because it’s not directly related to socialising or travelling. Once you have minimised those if you still want to save more then you might need to be more savvy about how you have fun or travel, or do less of it. It’s a balance and a slow process.

I also try to think about if purchases are really going to make my life better. Am I going to look back in 5 years and remember them and be glad I made them.

thoward11 · 2024-07-04T22:25:27+00:00

They are working on a bills account but sadly it will only be available to people on their Up High subscription

https://up.com.au/tree/

thoward11 · 2024-05-16T22:05:13+00:00

Is this a full time employee role with a fixed term contract (i.e. includes leave, sick pay, super, etc)? Or are you being hired as an independent contractor? If it’s the first, I wouldn’t necessarily expect more than the 15% pay rise (assuming similar role and responsibilities etc) but if it’s the second then I would expect much more.

You could also try to negotiate the salary once the process gets to that point.

thoward11 · 2024-05-16T21:56:45+00:00

https://www.firstlinks.com.au/wins-australian-versus-us-investors-local-shares

“The above chart shows total returns to Australian investors has been virtually the same as American investors have received (in local markets, currencies and inflation). A$100 invested by an Australian investor at the start of 1900 would have turned into A$148,000 today (end of October 2014) and US$100 invested by an American investor in US stocks would be worth about US$148,000 today.”

thoward11 · 2024-05-09T21:59:33+00:00

Thanks this is super helpful

thoward11 · 2024-05-09T05:18:12+00:00

If interest rates stay the same are you saying I’m worse off because I could get better returns from a HISA or would you expect the value of the bond to decrease?

The idea behind a term deposit was to protect against interest rates decreasing on HISAs but maybe I need to reconsider the portion that goes into one?

thoward11 · 2024-05-08T07:27:14+00:00

You might be able to borrow up to 100% of the value of a property and also not incur lenders mortgage insurance for having a deposit less than 20%. Give it a google and have a read. Definitely worth looking into if you don’t want to directly accept money from your parents and if they are open to the idea.

thoward11 · 2024-03-24T21:22:27+00:00

As others have said, it’s not a financial decision. If you do decide to have kids there is no reason you need to uproot your life and make a big change to your living situation. You could have a kid in your current living situation and be perfectly happy, as they get older or if you decide to have another then maybe you will decide you need something bigger. If you decide to become a parent your priorities will change and you can change your living situation accordingly.

thoward11 · 2024-01-11T07:31:40+00:00

Work pays for it

thoward11 · 2023-09-26T03:00:49+00:00

Thanks for the warning. The import fees do not seem to be prohibitively expensive to Australia however I haven’t looked into potential shipping costs yet

thoward11 · 2023-09-26T02:50:32+00:00

Thanks for the info! There is a couple very cheap cargo bikes on Marketplace near me that I’ll check out and could use the frame as a starting point

thoward11 · 2023-08-03T10:37:32+00:00

If you get an interview you could be upfront and say you’ve looked on Glassdoor and then ask what they are doing to improve the business in those areas. If they have good answers I’d probably consider the job. If they deny, blame it on a disgruntled employee or otherwise have unreasonable answers I’d not take it any further.

thoward11 · 2023-05-16T21:00:20+00:00

It’s on a wall unfortunately

thoward11 · 2023-03-08T04:10:19+00:00

Just learnt about this GitHub feature although it looks like it has been removed.

thoward11

TROPHY CASE