• SaneMartigan@aussie.zone
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    19 days ago

    Ohh. Just got an invite to a low key winter solstice bush doof next weekend. It’ll both be really cold and I’ll still be in my post-surgical light-duties window. I’ve also got a get together wake on for a guy I use to work with and it’d be great to catch up with the old workmates. I could also stay inside and continue being a warm winter goblin.

  • Gibsonhasafluffybutt@aussie.zone
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    19 days ago

    Uber driver gave me a crash course in mortgages and how to buy a place before the end of the year. Gave me some recommended builders as well.

    And that’s why I talk to pretty much everyone lol

    Also…

    I failed miserably but! It’s an early birthday present.

    • SituationCake@aussie.zone
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      19 days ago

      Thornbury Witch has given some very good advice. Also be aware, that if you don’t currently meet the deposit/income criteria for a mortgage from a regular bank, you will certainly not be getting a better deal elsewhere. Because of the high risk to the lender they will charge higher interest, fees etc. It will cost you a lot more. Best to save more deposit. There is nothing wrong with renting if means you can live comfortably and not be mortgaged to the eyeballs stressing over every dollar. I’ve never built new so I don’t know anything about finance + build schemes, but I would be too uncomfortable. Are there kickbacks to the builder? What’s the fine print? What recourse do you have if there’s problems with the build? I would feel much safer with a regular bank loan.

      • Gibsonhasafluffybutt@aussie.zone
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        19 days ago

        I appreciate your advice :)

        I wouldn’t borrow if the bank wasn’t going to lend on my current salary.

        That’s a convo with the bank this week.

      • Gibsonhasafluffybutt@aussie.zone
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        19 days ago

        I can already play drums to a degree, so it’ll be nice to play drums to my own songs, which I can then use as a backing track when performing by myself

      • Gibsonhasafluffybutt@aussie.zone
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        19 days ago

        Well a couple of things:

        I didn’t know I could get enough from the bank on my current salary to buy or build a place by the 3nd of the year

        You can reserve land in new builds and not have to pay for it (through a loan) for a couple of years, during which the price would increase, but you’d still pay the same amount.

        The 2 builders he gave me the details of can do the mortgage broking as well, kind of an all in one deal.

        Explained that it’s possible to pay to have your credit record scrubbed of defaults

        I’ve basically had to learn to do almost everything in life by myself, from a young age. so this was good to advice to get.

        • TheWitchofThornbury@aussie.zone
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          19 days ago

          Please be very careful of those all-in-one build/finance packages - they don’t have a good success record. Please check out the quality of their previous builds too. And any past bankruptcy/business failures too for the builders. Phoenixing a building company to cover up past defaults is all too common. Get some advice from your accountant BEFORE you sign anything, and be very clear about your rights if the builders go broke or otherwise default before completion. Or vanish after completion leaving serious structural repairs that need to be done to make the place liveable. Please.

          Too many people get caught out by an industry that for a very long time now has depended on a kind of reverse ponzi scheme. It works fine for a bit, but any tiny change in for example materials supply can bring the whole thing crashing down. And with the world in such turmoil and supply chains in such chaos, it seems very difficult to predict what will happen over the next few years.

  • tone212_@aussie.zone
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    20 days ago

    I really should go to bed earlier but I am a night owl through and through. It’s in my blood.

    • SaneMartigan@aussie.zone
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      20 days ago

      You do you. I was a night owl for years. These days I’m wondering how to stay up until at least 9pm so I don’t wake up at 3am well rested.

    • Duenan@aussie.zone
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      20 days ago

      If it wasn’t for work I’d be a night owl myself.

      Well also not withstanding shops not being open at night.

  • SituationCake@aussie.zone
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    19 days ago

    I have brunched, I have shopped, I have put on a load of washing, and I have bought Whitlams tickets. So far so good today.

  • TheWitchofThornbury@aussie.zone
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    20 days ago

    Fukkit. The sun is shining, the wind has dropped. The washing is done and the house clean. There’s a new caff in Miller St where TickledPink used to be. I’m going out for brunch. I may have a wine or two with it then doze the afternoon away.

  • Bottom_racer@aussie.zone
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    20 days ago

    Here’s a little birdo that comes to visit. Not often but did today.

    No idea what it is but it hovers ever so gracefully for the nectar. Loves the red flowers.

  • Gibsonhasafluffybutt@aussie.zone
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    20 days ago

    Been craving a novelty purchase. Felt off the last few days.

    Increased my adhd meds by a quarter of a tablet.

    Feel normal and not about to waste a few hundred bucks on bullshit I don’t need.

    The power of DOPAMINE!!!

    Hello warn bed, cat, studio and video games.

  • SpinMeAround@aussie.zone
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    20 days ago

    Out for dinner with friends and it was… fine. Come midnight and I’m in the kitchen devouring half a bag of chips, so maybe it could have been better/more filling as I’m generally not a late night snacker - especially with boyo is already asleep!

    Expedition 33 adventures continue, I’m not sure I want this game to ever end.

  • melbaboutown@aussie.zone
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    20 days ago

    Melbourne is cold and depressing

    Melbcat was served a warm breakfast in bed (as she often is) and is now washing herself

  • StudSpud The Starchy@aussie.zone
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    20 days ago

    Meant to have Sunday lunch with the grandparents but I just bailed because my crimson horror is here. Ugh!

    Be gone, foul organ, you and your ruinous ways!

  • SaneMartigan@aussie.zone
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    19 days ago

    I woke in sweats last night. Odd for a cold night. Less odd now that my throat has been getting progressively worse since about midday. Aside from vitamin C, garlic and a hot toddy, anyone got any pre-cold advice?