u/Dangerous-Piccolo755

What would be idle life of a solar panels and its batteries?

How much you spent for maintenance in the past few years?

Hey everyone,

I’ve finally shortlisted a property and decided to move forward. It’s a brand‑new home from the builder, and while the construction quality is average (not premium, not terrible), it fits my budget and lifestyle. The builder provides X years of warranty, appliances are brand new, and the place comes with several modern amenities.

I’ve locked the property for 3 weeks by paying a $1,000 holding deposit, and I want to complete all formalities within this period. Even though it’s a new home, a few things are pending — repainting after some minor works, peeling off glass films, hinge checks, etc. I plan to pay the full deposit only after these are done.

I already have pre‑approval, which is comfortably higher than the property price.

https://preview.redd.it/jhlz0zzo8vrh1.png?width=1008&format=png&auto=webp&s=00e8916cbf33362dc7f519ad50e9ff11c0809344

No in most cases but still Can I use my Apple Store balance to buy a Woolworths or Coles gift card

In case any tricks exist, I would like to know about it.

My usual spends:

1. 150-200 per week- Woolworth
2. 100-159 per week on Big Apples
3. 50 per week for opal
4. Mobile - 100 pm (2 sims, 1 data sim)
5. Internet - 78 origin opticomm 500mbps
6. Energy and Gas - 200 with origin
7. Fuel - 40-50 for public EV charging
8. etc

Trying to optimise the woolworth spend.

How to get the GST refund of the office equipments purchased online from playforms like Bunnings, Kogan or KMart?

Is the novated subscription a recent trend? The costs are almost the same but fuel is out of pocket.

After a certain number of years you can pay off the RV and own it through a lease.

However, with a subscription you simply pay and there’s no offset. What are your thoughts?

Currently, all my business expenses are debited from my personal credit card and I’ll reimburse myself later with invoices.

It’s easy but remembering all the payments I made for my business is a lot of effort. So I was thinking about getting a debit or credit card specifically for business-related transactions including GST payments.

How should I tax this scenario? My current business account is with Macquarie Bank.

I recently started a small two-employee Pte Ltd and I’d like to set up an easy way to manage expenses like Uber rides to the office and client visits meals and other perks while doing overtime.

How can I automate these things? I know manual options are cost-effective but I need simple tools for managing them.

For example, Concur was used at my previous big tech firm.

I’ve got a small ABN contract (about 16 hours a week) and only make a few thousand a month including GST. I run a website for the firm, and I want to add some new features — but I honestly don’t have the time or energy because of other work.

I’m considering outsourcing the development to a freelancer overseas because of the affordability. Basically just paying someone to handle the updates and improvements while I focus on my main job.

Has anyone here done this?
Is it overly complicated to outsource work like this from Australia?
Do I need to set up anything special legally (like a branch or entity in the freelancer’s country), or can I just hire them as a contractor and pay them normally?

Would love to hear how others handle this.

I don’t have many cards and I only use DCBM for everything. Axis offered me a select card LTF along with my Burgundy account but I declined it as I’m comfortable with my current cards.

I wasn’t in India for a while and arrived just before yesterday for a two-week holiday. As I mentioned, I’m an NRI.

I hadn’t applied for any cards or even spoken to Axis staff for over three months. I did notice an email stating a card had been approved and dispatched shortly afterwards but I never received it.

The email was from a valid domain and all the details seemed genuine. I didn’t click on the link or visit the URL inside it.

Do you have any idea what happened behind the scenes? Some people suggested that the TPA submitted my application just to meet their target but how did they do this without an OTP?

I recently registered a proprietary limited (Pty Ltd) company as a solo founder and need to set up business email. I would like to maintain separate addresses for privacy (ask@, admin@, and <my_name>@).

Looking at Google Workspace and Microsoft 365, pricing runs around $10 AUD per user/month, which would total ~$30 AUD/month if set up as three distinct accounts.

Is there any cost effective vendors?

There are many promoted reviews about the AMEX Explorer Credit Card and its offer of 125000 bonus points plus uncapped 2 points per dollar everywhere.

How can I calculate the value of these points? Will redeeming for flights or a hotel offer the best value? Do we have options to redeem against gift cards?

Half of the SYD to BLR economy flight can be booked with this much points?

I’m an NRI and I’ve recently opened an NRE savings account in India with my global Premier status.

I’d like to surrender my resident HDFC cards and apply for a HSBC Premier Credit Card India variant.

Could you please guide me through the process? I currently hold an HDFC DCBM and a potential replacement would be the Premier Card.

Thanks in advance.

I’m a programmer working on a six-month contract with two months left. My primary task is already completed because I have done extra works and commited myself to the task assigned.

Since my work is a passion, I don’t want to spend time and overbill the customer. However, I’m currently without any tasks in my area so the customer is assigning me different tasks across various technologies. They’ll give me enough time to learn new skills but this won’t add much value to my career. The role is short-term and a few months in a specific technology won’t significantly enhance my resume.

I’m getting multiple calls with 10-15% increments. Is it ethically right to resign and accept the next offer?

I would have think about 2 months back. But, 1 more
Month left in AirBnb. Guide the optimisation using delas or gift cards.

Thanks.

Many posts which seeking comparison between the fees and features of brokers already in this sub. But, as a beginner, I want to start a systematic investment of 200 per week if possible, or 800 per month if there are limits.

Taking aggressive risk tolerance and planning to invest 60% in international ETFs like NDQ and VGS and 40 in domestic ETFs.

Please comment the CHESS-sponsored platform can be beginner-friendly.

I am looking to buy first home in Schofield area. I was more interested in buying an established townhouse, but one agent contacted on my request explained the home and land package will also can be fixed in the similar budget.

I heard many reviews about Bathla. The agent was proposing Sollara and Eagle Homes as a builder.

any good or bad experience with these packages and any builder names for my further review analyses would be apreciated

Please comment your favourite builder to purchase a established home in North West Sydney areas including Schofield, Riverstone, Marsden Park, Tallawong etc

What I observe in this sub is that nobody really gives advice for your financial queries.

If you mention you are earning thousands a day, you will likely get more dislikes.

If you disclose a plan to buy a car worth 50K, you'll get a lot of demotivation.

If you ask for an opinion about buying an investment property with a 30% down payment, you will get more dislikes and advice to wait for it to grow to 100%.

I am working in fixed term contract like 6 month term and contract will be renewed for another 6 months while nearing to the end date.

I work 5 days a week and no pays on public holidays and leaves.

Anyone in the same boat availed a novated lease?