▲ 0 r/AusSuperannuation+1 crossposts

Voluntary Super contributions

Can anyone explain how the voluntary super thing works? I am in my early 30s, been working since my 20s. Numbers have always confused me so I don't really understand the whole super thing except you use it when you retire if your super hasn't screwed you over. Do I get tax breaks if I put money into my super? Max amount I can put in over the financial year? How easy is it to withdraw it if I want to buy a home...

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u/Suspicious-Ad-8707 — 7 days ago

Utility switches

with the AUG electric price hike has anyone started looking at new suppliers?

I just got my electric bill and holy hell. My household averages arounds $250 a quarter in power bills, but this one is almost $600. Usage is still consistent when compared to previous bills, only the solar feed in was utter crap. Got around $5 credit. Normally get at least $50, but since it's winter and weather has been shit I'll let that variable go. We are with energy aus atm, but will be switching soon.

Anything I should keep in mind while hunting for a new retailer?

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u/Suspicious-Ad-8707 — 2 months ago

Costco membership upgrade worth it?

I have a costco membership that is shared. We mainly use it for bulk home goods like toilet paper, paper towels, and sometime kitchen appliance but the main use is for petrol since the local costco is super close by and they are generally cheaper then other servos.

Is it worth it to upgrade the membership to the executive one? Do you get any cashback for fuel purchases from costco? For reference there is 6 cars in my household and we fuel up once a week ~$90 per top up.

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u/Suspicious-Ad-8707 — 2 months ago

What to expect for my first inspection

I am renting for the first time and am learning so many things. My landlord emailed that my 3 month inspection is coming up, after my 3months here.

-Can anyone tell me what I should expect from an inspection?

-How many times can a landlord inspect?

-How many days notice does a landlord need to give and I have to respond?

-How they give notice?

-Issues to raise to LL about property?

-Do I have to be at the property while they inspect?

-How long does an inspection last?

TIA

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u/Suspicious-Ad-8707 — 2 months ago

fixing a japanese head unit

My mum just bought a 2018 lexus rx450h that was a japanese import. I managed to get the thing to display some settings in english 90% of the time but there are still some displays that shows japanese. The car also has carplay/android auto installed but the original car software/unit was not removed. So now when you connect your phone you can connect to either the old system or the new system. Pick of the draw on which one you get. And the display unit will show split screen, that is frozen. Does anyone know of a fix for this or recommend anyone in melbourne who can sort this out? Budget would be max $100

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u/Suspicious-Ad-8707 — 3 months ago

Anyone bought this type of bench dishwasher

Has anyone bought this type of benchtop dishwasher from devanti. I just got one and can't work out where the detergent and rinse aid is suppose to go. I am use to the full size ones that have a compartment to put the powder and rinse aid

u/Suspicious-Ad-8707 — 3 months ago

Referral code = free utilities?

So I don't know if this is how the referral codes work when it comes to utility/service companies like power and internet. But if you get enough people to sign on using your code to equal the amount of your bill and they do ongoing credit for sign up. Does this mean eventually you will reach a point that your monthly bill is free? Or like it's a once off

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u/Suspicious-Ad-8707 — 3 months ago
▲ 21 r/ThaiGL

Break ups in penultimate episodes

I know it is a tried and tested formula to get viewers for the final episode, but I am so over GL breakups and drama in the second to last episodes. The 7 year wait for the next episode to see the reunion drags on. People who binge watch after a show has finished airing have no idea what the waiting is like. It's rare for a show to not have some sort of drama in the second last episode, some times it's predictable the cause, other times its a fun guess on what the drama will be

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u/Suspicious-Ad-8707 — 3 months ago

Pay on time discounts utility bills

Might be a really dumb question but it's the first time I'm on my own. But if I pay the discounted pay on time amount shown on the bill, but my account still shows the remaining balance- does that mean i needed to pay the full amount first and then they will deduct the discount and credit me?

I'm with 1st Energy

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u/Suspicious-Ad-8707 — 3 months ago

Peeling paint from the shower floor tiles

So I've had my place for about two weeks and only took my first shower in it today cause I finally finished moving. LL had painted the shower floor tiles over with the previous tenant, no idea why he decided to paint the shower floor, but certain to say that it started peeling. I knew that but when I was showering I noticed that it had peeled away more than what the pictures I took on inspection showed.

Is this something that is covered under wear and tear? My first time renting and already I'm off to a bad start with the LL over my condition report. Doo I need to send an email about this to have it in writing? Experience Vic renters please help

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u/Suspicious-Ad-8707 — 4 months ago

TV as a PC monitor for streaming

I just moved into my own place for the first time. I have a micro PC that I plan on connecting to a tv and just using that as a monitor since I don't want to buy additional setup. I want advice on what I should do to make sure the output is not stuck on 1920x1080 when connected via HDMI and can go higher. My HDMI cable is 8K compatable, but since I have to use a DP to HDMI adaptor I think it might be strangling it a bit.

Also any advice on what size tv I should get. My tv unit is 1m long. I dont know hat a 43" and 50" Tv is length wise so if anyone knows I'd appreciated it

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u/Suspicious-Ad-8707 — 4 months ago

Is my LL/PM taking the piss?

I am a new renter so I genuinely don't know any of this.

I got the keys and condition report from the landlord who is also the property manager last Monday. His report was there was only damage to the tiling in the bathroom and some chips and crack along the trimming where the last tenant's fridge was. I spent two days writing my report and filling in that there was cracks along the ceiling, walls, cabinets, leaking taps, and so on. Sent it off along with pictures and video in a gdrive. LL today emails and says I don't need to write any of the extra stuff I did in the report and is giving the impression he wants me to delete all of it and that since this is my first rental and all. I am getting the impression he wants me to delete everything and just tick Y in all the boxes that I agree with him, which I did but I also wrote notes about the actual conditions. Is he taking the piss and advantage of the fact that this is my first time renting? I don't really want to forfeit my bond for any damage he may claim that I did when I leave this place if it's not documented. Even the wear and tear I documented.

Some advice would be appreciated. My LL tried to make himself sound like an average joe but when you're openly bragging about owning 9+ properties and planning to buy 6 more by the end of this year, doesn't make me want to trust him when it comes to my hard earned money. Doesn't help he was also super proud of his wife buying up rentals as well, she's up to 4 going to 6 this year.

EDIT/UPDATE: Got the report back from LL, guy basically went through my report and took a pen to correct and comment on everything like a teacher would. Also sent back a really angry email about the amount of work I put him through 😂😂.

Snippet of what the reply was:

"Again SOME of your additions are worth it and duly noted.

Most of it is way too much and unnecessary."

"You don't have to photograph and report "obvious wear and tear"."

"I have never had a condition report from a tenant like this.

This condition report was an absolute nightmare.

7 gigabytes of download for your photos and movies.

When my photos covered the whole property to sufficient detail with under one gig."

😂

Also got accused of trying to fix the washing machine, when I was just following the instructions manual on making sure the thing was able to operate

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u/Suspicious-Ad-8707 — 4 months ago
▲ 1 r/nbn+1 crossposts

Spintel NBN referral code WQOL20352

Hey fellow Aussies,

Use my code WQOL20352 for Spintel NBN so both you and I can save a little in this cost of living crisis. Make sure you put it in the referral box and not the promo one otherwise it won't work.

Cheers

EDIT: Thanks to the cool person who used my code hope you enjoy your discount bill

spintel.net.au
u/Suspicious-Ad-8707 — 5 months ago

First time out spiral

So I got my first apartment yay. For almost a month I was hyper focused on finding a place since I was done with my mum's silent treatment. I'm a woman nearing 30 btw, been living at home cause Australian housing market is a complete cesspit, paying for all the bills but doing basically no housework. Now that I've got a place I realised that yes I am a big girl now, have already looked at connecting utilites and will be connecting soon. But problem is now I have to move onto furnishing the place and my brain really does not want to do that cause it involves talking to people and having to organise movers.

My new place does not have a dishwasher so I have been doing research into getting a benchtop dishwasher and how to search for tap fittings. I know I need a dishwasher as my brain will just let the dishes pile up which the sight of the piled up dishes will send into an anxiety spiral because things are piling up, which will cause more dishes to pile on.

I only have 3 things that I know I need to have in place within the first month of moving in which is a bed, fridge and dishwasher. I can barely focus, so I don't really know what else I might need other than things related to the 3

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u/Suspicious-Ad-8707 — 5 months ago

Advice for a first time renter

So I am a first time renter who just secured their first rental and I need some tips and tricks. What do I need? The place comes with a washer/dryer so I don't have to use the communal one (Landlord was really proud of that for some reason). No fridge or dishwasher. I just signed the agreement and sent the bond and first month rent.

Any budget tips, utility companies advice. I am really out of my depth moving out on my own in my 30s. My anxiety made sure I had at least a year's worth of saving in case I lost my job before I even thought of moving. But can anyone tell me if I should plan for any unexpected expenses when it comes to renting? What things are just plain unnecessary?

Thanks

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u/Suspicious-Ad-8707 — 5 months ago
▲ 10 r/AussieFrugal+1 crossposts

Benchtop dishwasher

I'm moving into a rental that does not come with a dishwasher, any suggestion on a benchtop dishwasher that is idiotproof (me) and will not require any modification. Preferably one that I can just plug and wash ie one that I can just pour water into a container and stick the hose into the sink to drain.

Been on marketplace around my area and the ones there look like they need to be connected to some sort of inlet valve.

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u/Suspicious-Ad-8707 — 5 months ago

I'm in the process of moving out from home for the first time and I'm realising there are a lot of things that I took for granted that are available at home that I have to supply for myself when I move out in addition to the usual bills and utilities.

  • Cutlery/pots/seasoning/cups
  • Bed sheets/linen/towels
  • Household appliance- fridges/microwave/washing machines
  • random knick knacks

Would really appreciate if anyone can give me advice on how source a decent amount of linen/fitted sheets (3-5 sets) without burning a hole through my budget. I know I can get the appliances second hand through marketplace and what nots, but advice on what sort of stuff I should just not bother for a studio/1BR apartment is also welcome. I'm a big fan of the salvos dinnerware sets, I adore odd mismatch dishware so that is kinda covered, but cookware is a bit unknown.

For reference I'm in Melbourne

EDIT: I'm mainly after fitted sheets not the whole bed set. I sweat a lot a night and tend to run through them

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u/Suspicious-Ad-8707 — 5 months ago

I'm in the process on looking for my first rental as someone about to turn 30 and it is a struggle to find a place that is decent and not a musty room with a suspicious bathroom that looks like it will fall through the floor.

I'm currently looking around prahran area + surrounding suburbs for a place close to my work that will shorten the commute. But I'm not the only one who is doing this and I'm up against so many people with rental histories who will probably get picked over me.

Sorry if this is rambly, my brain is a mix of fried and frustrated. Any advice on how to make my application stand out of what to do is apprecitated

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u/Suspicious-Ad-8707 — 5 months ago