Should I keep all my pay in an offset account or move it as needed?

drakalixcascar

New Member
Hello, I am seeking advice. I recently purchased my first home with my partner; the mortgage is approximately $585,000. I am still trying to understand how it all works. At present, I am depositing most of my pay directly into my offset account each pay cycle. Should I deposit it all and withdraw as needed? Do you run separate accounts for bills and similar expenses? Any advice would be greatly appreciated.

I am also interested in investing spare income, as I am on a very good salary at work, earning $300,000 to $320,000 a year. I would not mind setting some aside each week to invest, though I have no idea where to start. Thank you all.
 
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