u/BoyFromSpace_

I've got these tiny black flies all inside my house and I don't know how to get rid of them.

I tried googling them but they don't look like fruit flies or drain flies there just small and black and keep their wings tucked in when walking

It started about a month ago I'd just seen one or two and thought nothing of it but now they are everywhere. I don't know why I keep my house clean I don't leave food out but they keep coming. I can't leave rubbish in the kitchen bin for more than a day otherwise they swarm it so I have to just constantly take my rubbish outside. I've flushed all the drains inside thinking one of the traps was dry but they kept coming. I don't know what to do.

And I don't have house plants

Is it something pest control can come fix?

For context. I'm 26 and single making $162k per year including bonuses working in mining currently renting on my own in Brisbane. And I currently putting all my extra money into paying off random debt and car loan and have it all paid off by the end of the year.

So I've ran the numbers and after debt is paid off I can save $3,500 (about $41,000 a year) and I've talked to a broker and my buying power is $900k with no debt. And with the 5% no LMI I can do a down payment in just over a year after debt.

But with cost of living and interest rates constantly on the rise is it the best idea to get into the housing market. And if doing the 5% my margins are kinda thin with equity. But also I've been told if I hold off for too long the barrier to entry keeps getting harder. And with the next budget looking worse for montage holders it puts me off more.

But if I continue to rent I can put more money into investing

If you were in my position would you get into the market now or hold off and risk not being able to enter the market later or try and get in now.

(M26, single, Queensland)

Hi I'm planning my strategy for how I'm going to enter the housing market and the options I have to maximise my money to achieve my first deposit. My current plan is to save and buy my first house to live in then turn it into a investment in 6-8 years (assuming 5% growth) and use the equity to buy a second house. (Depending on market value and the economy by then)

Or if the worst just sell it to get a better home

I work in mining currently on $162k a year and I'm currently working on paying off all my debts (I made a few mistakes when I was starting out) and will have most of not all paid off by the end of the year.

After all debts are paid off I've budgeted to comfortably set aside $3,600 per month, $43,200 a year. I'm just in the planning stage to use it effectively.

Now I could just save it all and get a comfortable deposit but I'm also wanting to invest a portion to build my future wealth to support me and a posable future partner/family

My current plan is to split it as $2,500 ($30k per year) into a savings account at 4% p/a and $1,000 ($12k per year) split into a 3 ETF investment portfolio (diversified into Aus, US and Asia markets) and I'm looking to just use savings for a deposit and keep the investments running for eventually my dream home.

But I'm wanting to know what first home buyer schemes I should be putting into to maximise my money effectively. Should I be using the "FHSSS" scheme and if so how should I split it up. Or any other schemes I should be utilising.

I'm looking to buy a $600k -$750k in outer Brisbane

Sorry if there's some mistakes I've been trying to teach myself how to manage money for my future wealth 😅 so sorry if it doesn't all make sense

(M26, single)

Hi I'm planning my strategy for how I'm going to enter the housing market and the options I have to maximise my money to achieve my first deposit. My current plan is to save and buy my first house to live in then turn it into a investment in 6-8 years (assuming 5% growth) and use the equity to buy a second house. (Depending on market value and the economy by then) Or if the worst just sell it to get a better home

I work in mining currently on $162k a year and I'm currently working on paying off all my debts (I made a few mistakes when I was starting out) and will have most of not all paid off by the end of the year.

After all debts are paid off I've budgeted to comfortably set aside $3,600 per month, $43,200 a year. I'm just in the planning stage to use it effectively.

Now I could just save it all and get a comfortable deposit but I'm also wanting to invest a portion to build my future wealth to support me and a posable future partner/family

My current plan is to split it as $2,500 ($30k per year) into a savings account at 4% p/a and $1,000 ($12k per year) split into a 3 ETF investment portfolio (diversified into Aus, US and Asia markets) and I'm looking to just use savings for a deposit and keep the investments running for eventually my dream home.

But I'm wanting to know what first home buyer schemes I should be putting into to maximise my money effectively. Should I be using the "FHSSS" scheme and if so how should I split it up. Or any other schemes I should be utilising.

I'm looking to buy a $600k - $750k in outer Brisbane

Sorry if there's some mistakes I've been trying to teach myself how to manage money for my future wealth 😅 so sorry if it doesn't all make sense