u/OwlVibesOnly

I have an old NetBank saver with zero balance that I want to shut down but the app tells me I have to go into a physical branch or call them. It takes two seconds to open one digitally but apparently closing it requires a full interview

I want to route my monthly exchange traded fund purchases through my points earning card to hit a minimum spend target, but obviously most platforms treat brokerage funding as a cash advance. Are there any local options left that let you use third party payment services without massive credit card surcharges eating into the gains?

I want to set up some festoon lighting around our backyard entertainment area and need a weatherproof outlet down near the back patio. Is it structurally possible and compliant to mount an outdoor point directly onto a metal colorbond fence post, or does it have to be attached to the brickwork of the house?

Stripping away the downgraded lounge perks, the $349 value of the Accor+ membership (with the complimentary nights and 30% dining discount) feels like the last real pillar justifying the $1,450 fee for non-frequent flyers. For those who maximize the Accor stays across APAC, does this single benefit keep you from canceling, or has the creeping "coupon-bookification" of the dining credits made the card too high-maintenance to bother with?

Pretty interesting spot BYD’s in right now. They’re booming in Australia and you suddenly see Sealions and Sharks everywhere, but back in China sales have apparently been sliding for months because the EV market over there has become insanely competitive. Sounds like the plan now is basically to lean harder into overseas markets like Australia while pushing newer tech and more premium models to stay ahead of the pack. Reckon BYD becomes a top tier mainstream brand here or eventually fades once the novelty wears off?

CBA losing nearly $30 billion in value after a profit increase is kind of wild, but honestly the stock had been running insanely hot for years. A lot of people were already saying it was trading more like a US tech company than a bank. Now analysts are warning this could just be the start of a bigger reset across the ASX, especially with money piling into the same big-name stocks through ETFs and super funds.

I tried to refinance my business loan last week and the rates I was quoted were significantly higher than what I can see on the comparison sites. It feels like they have priced in another two RBA hikes that haven't even happened yet. Are you lot finding better luck with the tier two lenders or are they just as bad?

It’s an extra thousand bucks a year just in case the car is totaled and doesn't cover the payout. My regular insurer says they offer new car replacement anyway. Is there any reason to keep the lease-provided insurance or is it just another high-margin add-on?

Up 70% in a month because they build data centres. It feels a bit like the lithium craze of a few years ago where everyone just piles into anything remotely tech-adjacent. Has anyone actually looked at their books or are we all just gambling on the data centre boom?

For me it’s mainly the longer cooldowns between bonuses on the big banks. Having to wait up to a couple of years before you’re eligible again really slows the whole cycle down compared to how it used to feel

Does anyone know if they’re still doing those free workshops for kids? My lot are starting to get properly bored on weekends and I remember hearing Bunnings used to run them pretty regularly

For me it’s staying on top of the little stuff once life gets busy. Budgeting, tracking spending, not buying random things online, all starts off well and then slowly falls apart after a few weeks. What’s the financial habit you always struggle to stick with?

I was looking through my bank statement this morning and it’s kind of wild how much all the small stuff adds up without you noticing. A few work lunches here, subscriptions I barely use, and suddenly heaps of money is gone every week. Feels like there are a bunch of financial habits now that everyone just accepts as normal even when they’re probably killing people’s budgets long term

The back corner of the yard has started turning into a drainage nightmare again. Aerated it back in September but the soil’s already gone rock hard again. Wondering if those liquid aerators and soil wetters actually make a noticeable difference or if it still ends up being a garden fork and sore back job in the end