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submitted 2 days ago by [email protected] to c/[email protected]
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[-] [email protected] 13 points 2 days ago

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.

[-] [email protected] 7 points 2 days ago

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?

[-] [email protected] 6 points 2 days ago

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.

[-] [email protected] 6 points 2 days ago

Chilli. Hotter the better.

Listerine gargle.

[-] [email protected] 5 points 2 days ago

Eating enough, lots of fluids and a lot of sleep

[-] [email protected] 9 points 2 days ago

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.

[-] [email protected] 9 points 2 days ago

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.

[-] [email protected] 4 points 2 days ago

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.

[-] [email protected] 5 points 2 days ago
[-] [email protected] 5 points 2 days ago* (last edited 2 days ago)

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

[-] [email protected] 5 points 2 days ago
[-] [email protected] 6 points 2 days ago* (last edited 2 days ago)

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.

[-] [email protected] 11 points 2 days ago

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.

[-] [email protected] 4 points 2 days ago* (last edited 2 days ago)

Thank you ❤️

I've saved this comment.

I wouldn't make a move without consulting a financial adviser first definitely.

[-] [email protected] 2 points 1 day ago

Yeah I feel like they're known for doing shit builds. That's why I'd rather buy a pre-existing place.

[-] [email protected] 5 points 2 days ago* (last edited 1 day ago)

Hopefully the builders aren't those shonky ones from those building inspection videos.

[-] [email protected] 3 points 2 days ago

That was my first thought too lol

Regardless, it's good to know the process.

[-] [email protected] 9 points 2 days ago

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.

[-] [email protected] 5 points 2 days ago* (last edited 2 days ago)

Early night. Too much excitement for one day lol

Goodnight ❤️

[-] [email protected] 13 points 2 days ago

Oh dear, poor YarraByte doesn't know that donuts are not served in the DT.

[-] [email protected] 8 points 2 days ago

I choose to believe that is a ring cake. My slice was delicious, not donuty at all.

[-] [email protected] 6 points 2 days ago

Hold what’s this? This is new to me.

[-] [email protected] 6 points 2 days ago

so much painting

but it's nearly done

[-] [email protected] 4 points 2 days ago

You can do it!

[-] [email protected] 5 points 2 days ago

Tomorrow feels like a sickie

[-] [email protected] 4 points 2 days ago

I've cancelled tomorrow.

[-] [email protected] 10 points 2 days ago

Someone at the cafe just ordered a weak long black with honey on the side...

[-] [email protected] 9 points 2 days ago

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.

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[-] [email protected] 9 points 2 days ago

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.

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[-] [email protected] 8 points 2 days ago* (last edited 2 days ago)

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.

[-] [email protected] 6 points 2 days ago

The man just bought a party light stick and a party light beam. My lounge room is turning into a disco.

[-] [email protected] 5 points 2 days ago
[-] [email protected] 6 points 2 days ago

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.

[-] [email protected] 4 points 2 days ago

That sounds like a shit load of fun lol

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[-] [email protected] 3 points 1 day ago

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?

[-] [email protected] 4 points 1 day ago

Maybe they like nice cars. They might like to drive and go driving for enjoyment.

Also, good cars tend to have better resale value.

[-] [email protected] 2 points 1 day ago* (last edited 1 day ago)

I get that. It's like having 'good' chocolate vs 'standard' chocolate

[-] [email protected] 6 points 2 days ago

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.

[-] [email protected] 8 points 2 days ago* (last edited 2 days ago)

Melbourne is cold and depressing

Melbcat was served a warm breakfast in bed (as she often is) and is now washing herself

[-] [email protected] 6 points 2 days ago

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)

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this post was submitted on 14 Jun 2025
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