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Ideally, you’d want some idea of how it works from the other side. A traditional trade is 4 years. You’d be better off getting some labouring work and building up knowledge, skills, and contacts from there. It’s a hard slog, though.

Just pay for Xero, lovely some things are just worth it. You’ll find every “free” program has its limits like only being able to send 50 invoices before upgrading, or not being able to generate reports, etc. It’s $70 a month or something, pretty minor compared to what it produces.

Just get the house paid off first lad

Basically, you use your equity instead of saving up for a deposit. You take enough equity to cover 20% of your purchase price, plus stamp duty and the buyers agent fee (if that applies).

Also doing pickup orders allows me no impulse purchases.

I just love knowing how much money I’m saving! Finding the highest interest rate and paying off chunks towards it, and then seeing the amount of interest I saved!

You know, you’re always gonna make more money in carpentry you can pull in 3k in a weekend if you’ve got that hunger!

It could work, you know! There are so many event places that charge a fortune for next to nothing, and they’ve got that whole prestige marketing angle like, “Come to Bali and pay a ton of money to do the same yoga you could totally do at your local gym.” Personally, I think most of them are...

There are so many different kinds of trading bots you can get, it's amazing! I set up a demo account last week, and it made a sweet 15%!

All that stuff is easy peasy to manage yourself in an Industry super fund, dear.

Life can sure throw us some curveballs, and not the ones we're hoping for. I'm guessing you're still self employed, so the income's still coming in and you can keep moving forward even if it's probably slower than you'd like. You haven't said how old the little one is or where you live, but it...

If they are residential properties it can't be done legally

I had a garentour, and I’m planning to do the exact same for my kiddos. Not giving them cash, haha!

Hey there, for what you say you're doing, that would be an absolute minimum of $60 an hour. Forklift drivers are making over 40 bucks an hour these days. I'm really sorry to say this, dear, but $40 for a qualified trade? That's just pathetic.

Oh, that's definitely a better way to go about it, love – since you can't claim the interest the ATO charges, but you can claim the interest from a finance borrower to pay it out. Just be super careful, sweetie, and don't do this under cashflow finance with lenders like Prospa or Lumi, because...

Hey, I think if you're buying commercial for yourself, sweetie, it'll still go up just slower than residential.

Hey sweetie, at your age and with your income just focus on one thing so you can diversify down the road. Build up that capital base so you can leverage into more IP. And don't even worry about SPY or IVV.

The property market is really just about simple supply and demand, you know? We've still got way too many people and not enough homes, and the gap is only getting wider, not coming together.

It’s normal. Use your cards once per month and pay off.

Oh honey, if it’s been charged off, I wouldn’t even bother contacting them. I’d just focus on getting it removed from all three credit bureaus. And hey, I can help you with that too!

I'm so glad I did a PFD on them back in December. Hope it gets all fixed up for y'all real soon!

Hey there! If you've got a card with a really high interest rate compared to the others, I'd say start with that one first. Throw as much as you can at it until it's all paid off. If you have another one that's pretty high up there, move on to that next. For the smaller ones left, you can switch...

We've got an emergency fund tucked away. Once bills are covered, the rest goes toward the Avalanche Method I just don't feel like I'm really saving if I'm carrying debt. Oh, and I've been adding the interest to my next payment too. It's been making a real difference!

Alright, now that I've got a good look at everything you owe, here’s what I’d do. I’d star with the snowball method tackle that car loan first to get a quick win. Once that’s done, we’d switch to the avalanche approach and really go after those credit cards. Oh, and here’s a tip: you can always...

You might wanna chip away at some of those smaller balances, maybe even knock one out entirely. Get that overall debt ratio down and then you could have a real shot. Credit unions can be a bit stricter sometimes. Maybe try going to your own bank and having a chat. They can take a look and tell...

Oh, absolutely I only grab stuff I really need. Sticking to a budget honestly makes such a big difference!

Debt payoff planner app, I also love google sheets to track basically everything

Oh, my husband and I were both on the loan and the title for my car. It actually worked out perfectly and wasn’t strange at all. And get this my name on everything was still my maiden name.

I've got to go against the grain here and say I've totally loved them. They gave me a rate that was a quarter of what I was paying on my credit cards, they make managing my account super easy, and I've always had awesome, friendly help from their customer service team whenever I had any questions.

Oh, I'd totally pay off that 401k loan first, no question about it. That's your retirement we're talking about, and you're missing out on any growth for the money that's not there anymore. Honestly, dipping into retirement funds is always the very last thing I'd ever consider and only if there...

Hey, so I'm dealing with this too. They're spreading my deficit across the whole year, and I'm throwing in an extra $50 each month just to give myself a bit more breathing room. That way, next year I should be all set, and hopefully, my payment will drop a bit.

I dabble in a little couponing, mostly to resell and save some cash for myself. I also love picking up things at auctions, giving them a good clean, and selling them on. Plus, I grow plants and sell those, too. Sure, it all eats up time and the profit isn't huge, but it's enough to cover a bill...

Oh, I remember this one time we were at Best Buy, and this employee came up and asked if we'd like to sign up for a credit card. We just said, Nah, we try to steer clear of debt. And you know what they said back? They told us that debt is just a normal part of life! Can you believe that?

Hey there, just a friendly piece of advice: I wouldn’t borrow money from a pal. That kind of thing can get messy. Instead, toss every bit you have at that debt, like you’re rolling a snowball and adding to it. You’ll see it melt away before you know it!

Hey there! If it's showing up fine on Equifax and Experian but not on TransUnion, you'll wanna reach out to both the bureau and the furnisher about that. You should take a peek at the full tradeline and compare what's being reported across all three. Just make sure you're checking the right...

First off, you really need to get a clear picture of your rights here. If you never officially got that lawsuit notice, that judgment might actually be voidable so there's a good chance it could be overturned. An improper service is a really strong point to challenge it on. What your husband...

I would be happy to answer any questions.

Hey there, just a friendly heads up: third party companies are totally allowed to buy your debt and then ask you to pay up. If anyone tells you, They have to prove they owned the original debt, they're kind of going by old rules from before 2001. And if your debt's past that statute of...

Well, if it's accurate, you really can't get it taken off. If there's a negative mark on your credit report that's correct, the law says you can't make a creditor take it down.

It’ll come back up that’s usually what happens after paying off a debt.

Hey, I grab takeout lunches to keep my sanity intact so I can keep raking in the dough. Trust me, it’s totally worth it not a waste at all!

Hey there, it sounds like this account was opened without your permission, which could mean identity theft or a case of mistaken identity and the good news is, you actually have some pretty strong protections under laws like the Fair Credit Reporting Act and the Fair Debt Collection Practices...

Hey there, no one really knows for sure, buddy. But chances are it'll keep going strong. Silver mines aren't all that common it's usually dug up alongside gold.

Yep. Although you'll need to ensure the accountant calculated the base cost correctly

Snowball method is if you have multiple cards/ loans. Doesn't work with 1 card.

Put everything in gold and silver and wait a few years

Probably not even worth paying for insurance if the policy is based on a lie

Hey, just reach out to some local businesses and real estate agents you’ll find they aren't too fussed if your team’s winning as long as they’re getting noticed, whether it's through signs or having their logo on the jersey. Try putting together a few sponsorship packages starting at around a grand.

FI & wealth is worth looking at, it might be helpful.

I’d be chatting with an accountant and a solicitor, you know. I’d also start by really getting a handle on what a trust is, what it’s all about, and how you can actually use one. And hey, that might totally shift your thinking like, what you thought a trust was for, or how you’d want to use...