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  1. R

    Should I cash out my annual leave before or after EOFY?

    Here's a super simple and exciting way to decide: just look at the interest rates you're paying! 1. Annual leave grows with your pay rise each year – awesome! So if you get a 10% payrise but you're in the 47% bracket, your actual return is only 5.3%. And yep, you'd also lose out on super...
  2. R

    Will closing 15 credit cards for a consolidation loan hurt my credit score?

    Oh wow, I did the exact same thing and my credit score plummeted by 150 points it's just awful! I'm honestly terrified because I worked so incredibly hard to build up that good credit, and now it feels like it’s going to take forever to get it back. What’s even worse is, some of my cards are...
  3. R

    Has anyone used eSuperFund for SMSF setup? Worth it?

    Yes, absolutely! It was so easy to get it set up I had no issues at all. I only closed it down because I just didn't have the time to keep up with it.
  4. R

    Can I succeed as a side-hustle property developer with no full-time experience?

    Oh, property development is absolutely where it's at! You've gotta get a handle on the types of projects that fit your budget and figure out what's actually going to bring in the cash. A solid builder is key they'll totally help you juggle more projects and keep the quality high, so you don’t...
  5. R

    Should we pay cash or finance a $33K car at 7.89% interest?

    Okay, so I might be totally off base here, but when I surprised my partner with a new car, the dealership actually asked if I wanted to put it on finance! I got talking with them, and they mentioned that most places set a minimum of like £10k for financing anything. Honestly, financing such a...
  6. R

    Why don’t more investors buy duplexes? Am I missing risks at 3.3k/week passive?

    Coz we got conditioned to want Park Lane and Mayfair for the high rent yields.
  7. R

    Earning $185K + $1.2K/week side hustle—best tax strategy with ABN?

    Hey everyone! I'm super excited because I'm currently working a full-time job making around $185,000 plus PAYG, and I've got this awesome opportunity for a side hustle that could bring in about $1200 a week. The thing is, I'll need an ABN for it. So, I'm really curious—what’s the absolute best...
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