Ohh. Just got an invite to a low key winter solstice bush doof next weekend. It'll both be really cold and I'll still be in my post-surgical light-duties window. I've also got a get together wake on for a guy I use to work with and it'd be great to catch up with the old workmates. I could also stay inside and continue being a warm winter goblin.
I woke in sweats last night. Odd for a cold night. Less odd now that my throat has been getting progressively worse since about midday. Aside from vitamin C, garlic and a hot toddy, anyone got any pre-cold advice?
I used to use a product called Armaforce from the chemist to fight off colds, taking them early when you start to feel like coming helps a lot in stopping it.
Chilli. Hotter the better.
Listerine gargle.
Eating enough, lots of fluids and a lot of sleep
Uber driver gave me a crash course in mortgages and how to buy a place before the end of the year. Gave me some recommended builders as well.
And that's why I talk to pretty much everyone lol
Also....
I failed miserably but! It's an early birthday present.
Thornbury Witch has given some very good advice. Also be aware, that if you don’t currently meet the deposit/income criteria for a mortgage from a regular bank, you will certainly not be getting a better deal elsewhere. Because of the high risk to the lender they will charge higher interest, fees etc. It will cost you a lot more. Best to save more deposit. There is nothing wrong with renting if means you can live comfortably and not be mortgaged to the eyeballs stressing over every dollar. I’ve never built new so I don’t know anything about finance + build schemes, but I would be too uncomfortable. Are there kickbacks to the builder? What’s the fine print? What recourse do you have if there’s problems with the build? I would feel much safer with a regular bank loan.
I appreciate your advice :)
I wouldn't borrow if the bank wasn't going to lend on my current salary.
That's a convo with the bank this week.
Ooohh exciting new toy!
I can already play drums to a degree, so it'll be nice to play drums to my own songs, which I can then use as a backing track when performing by myself
Any good advice?
Well a couple of things:
I didn't know I could get enough from the bank on my current salary to buy or build a place by the 3nd of the year
You can reserve land in new builds and not have to pay for it (through a loan) for a couple of years, during which the price would increase, but you'd still pay the same amount.
The 2 builders he gave me the details of can do the mortgage broking as well, kind of an all in one deal.
Explained that it's possible to pay to have your credit record scrubbed of defaults
I've basically had to learn to do almost everything in life by myself, from a young age. so this was good to advice to get.
Please be very careful of those all-in-one build/finance packages - they don't have a good success record. Please check out the quality of their previous builds too. And any past bankruptcy/business failures too for the builders. Phoenixing a building company to cover up past defaults is all too common. Get some advice from your accountant BEFORE you sign anything, and be very clear about your rights if the builders go broke or otherwise default before completion. Or vanish after completion leaving serious structural repairs that need to be done to make the place liveable. Please.
Too many people get caught out by an industry that for a very long time now has depended on a kind of reverse ponzi scheme. It works fine for a bit, but any tiny change in for example materials supply can bring the whole thing crashing down. And with the world in such turmoil and supply chains in such chaos, it seems very difficult to predict what will happen over the next few years.
Thank you ❤️
I've saved this comment.
I wouldn't make a move without consulting a financial adviser first definitely.
Yeah I feel like they're known for doing shit builds. That's why I'd rather buy a pre-existing place.
Hopefully the builders aren't those shonky ones from those building inspection videos.
That was my first thought too lol
Regardless, it's good to know the process.
I have brunched, I have shopped, I have put on a load of washing, and I have bought Whitlams tickets. So far so good today.
Early night. Too much excitement for one day lol
Goodnight ❤️
Oh dear, poor YarraByte doesn't know that donuts are not served in the DT.
I choose to believe that is a ring cake. My slice was delicious, not donuty at all.
Why?
Bacon refuses donut orders.
Hold what’s this? This is new to me.
so much painting
but it's nearly done
You can do it!
Tomorrow feels like a sickie
I've cancelled tomorrow.
Someone at the cafe just ordered a weak long black with honey on the side...
Fukkit. The sun is shining, the wind has dropped. The washing is done and the house clean. There's a new caff in Miller St where TickledPink used to be. I'm going out for brunch. I may have a wine or two with it then doze the afternoon away.
Here's a little birdo that comes to visit. Not often but did today.
No idea what it is but it hovers ever so gracefully for the nectar. Loves the red flowers.
Been craving a novelty purchase. Felt off the last few days.
Increased my adhd meds by a quarter of a tablet.
Feel normal and not about to waste a few hundred bucks on bullshit I don't need.
The power of DOPAMINE!!!!
Hello warn bed, cat, studio and video games.
The man just bought a party light stick and a party light beam. My lounge room is turning into a disco.
The power of pingas.
Hahaha. Nah he loves lights. As a kid he had a toy police car that when you wind up its back wheels and let it go its lights flashed.
The yard is littered with solar lights. The dog doesn't shit in the dark now.
That sounds like a shit load of fun lol
Change my view - why buy a luxury car? Great, your car has a nice engine, it's smooth on the roads, has cool lights. But I genuinely don't get why people buy expensive cars when that money could go towards a house deposit or a mortgage. I guess they might not have a house to pay off when they're buying one of these cars, but some are financing it. Why pay for some commodity with money you don't have unless you actually need it to live?
Maybe they like nice cars. They might like to drive and go driving for enjoyment.
Also, good cars tend to have better resale value.
I get that. It's like having 'good' chocolate vs 'standard' chocolate
I really should be doing some cleaning but Miss Meow has me pinned down on the couch and is purring madly.
I did get a small shelf for my toaster oven assembled and have put up the small fence to keep Mr Woof and Miss Meow away from the side gate. I now have a small utility courtyard for the bins etc., and hopefully being open metal bars instead of solid it won't trigger Mr Woof to try digging under it to get out to come and find me when I'm away. He seems to stress out if I'm gone more than about 20 minutes.
Melbourne is cold and depressing
Melbcat was served a warm breakfast in bed (as she often is) and is now washing herself
Alright, here goes another attempt at trying to push through some uni stuff on a weekend. Was out for a chunk of yesterday helping a relative which was good - physical activity that got me out of the house and had a very good night's sleep. I've been religiously taking melatonin 0.3mg for over a week, normally I wouldn't but it's crunch time and I absolutely need to make sure I'm not falling asleep at 2am.
Had a brief squiz at the news and once again I am feeling extremely lucky to be in a place that's physically far from conflict... but I think we can all expect petrol prices to shoot up in a few weeks (also, huge bump in electricity prices from 1 July D: that will be after my thesis is due so it's a good point at which to return to my frugal ways)
Melbourne
This community is a place created for the people of Melbourne and Victoria. We are a positive, welcoming and inclusive community. We might not agree about everything, but we always strive to stay civil and respectful.
The focus of our discussions is based around things that affect Victoria, but we are also free to discuss our local perspective on wider issues. Or head to the regular Daily Random Discussion thread to talk about anything.
Ongoing discussions, FAQs & Resources (still under construction)
Adoption Certificate for Nellie, the Daily Thread numbat (with thanks to @Catfish)