dynamic007 » user profile

Ah man that sucks. We mainly use it to quiet the kids down in the kitchen "hey google play bluey music"

How much is the sub?

You are all legends, thanks for the healthy discussion here. I've got some ideas now on what to do which is great. Either way it's bye bye…

Lmao can't stop laughing

Hi Folks I am considering switching to the free Spotify as the upcoming price increases are just too much to justify for now. Quick…

lol yeah

The reason was bogus too - It's to do routine admin work on your file. WTF could they be doing to my file that would justify the cost

Of course, they can charge whatever they want, like I can question certain prices whenever I want. The post is also to highlight what they…

the location is just super convenient

Thank you, waiting to see if I can catch anyone F2F.

Yes, will be going elsewhere. That current gym is just super convenient in terms of location and parking and is also within a nice jogging…

Thanks all - I have sent an email to them to see what they can do. It is one of those gyms where staff are nonexistent (I have tried to go…

Hey everyone, was thinking of joining my local zap fitness. On their website before you sign up, they state they charge a quarterly account…

Sorry I should have explained, I have Long term tenants, and that's when the contract ends. We have looked into it and was advised the…

Yes will be paying the same amount of interest, maybe slightly less as I have taken half the loan away. Plus I Save an extra $1500 from the…

Thank you for helping me brainstorm this! Honestly it has been really useful

Update! Just spoke to them and this time got through to the hardship team. they said I could pay a lump sum down (half of the loan…

Thanks for the comments, only difference is part of that cash is new cash. So it won't all be coming from the offset account. It's boiling…

That cash is parked in the offset where we are not using it to help with the monthly expenses if that makes sense?

Thank you, I am on step 2 of that plan. We reduced expenditure and have squeezed that as much as we can....so it's down to the Car or IP.…

Very good point thank you

Who is that loan with? I took mine out with the dealer - which is why it's probably more restrictive

That cash was already in the offset against the PPOR and still sitting there. So I would be taking that cash out to square off the loan.…

Hello - I do plan to keep the car as we still need a second car in the house.

What I have seen from accountants is they mainly give advice about tax time. So for him it would just be 1 less thing I can deduct…

Yeah, I would need to wait 8 months to avoid the early termination fee

Thank you, yeah IP sellinf is on the cards. Can only action around June/July due to them having long term tenants The idea around paying…

Unfortunately they don't do that. It's all or nothing type of deal. You can't even pay a massive lump sum to reduce the monthly fee

He said go with your gut

Yeah this is my delimma when I ran the figures. Essentially the extra 1300 from work would not go to the car and into my bank account where…