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Mugabetown - Whoretownin' At It's Worst.

t5iv

By t5iv,
in Queensland

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Ants Grand Master

Ants

Posted
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My goals at the moment are a fully paid off house in 10 years time...

And if it's not paid off, It's because I've bought a second one.

if u are able to achieve that Marie, I will somehow find a way to marry u and become your trophy hubby
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MBS206 Grand Master

MBS206

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if u are able to achieve that Marie, I will somehow find a way to marry u and become your trophy hubby

If my requests that I made at work are met in some way, it's actually 100% possible on my own to pay off my debt, save a deposit, and pay off a house all in a 8 year window.

Please note, I'm not aiming like so many of my friends to borrow to my absolute maximum and live in the most ritsy suburb like most of the people I know, who are all up struggle street and causing endless arguments with their partners. I'm looking to do it the smart way.

Buy a house in the $350K or less bracket, with a 20% deposit.

Yes, it will take some hard yards, yes it will mean not being able to mod my cars left right and centre, but 10 years from now, I'll have a disposable income.

But then again, my goal set may drastically change. LOL, but this is the current goal I'm currently working to, and I'm already clearing my debts with a higher repayment than what it will cost me to pay off a $500 000 loan in 30 years ;)

TiTAN Grand Master

TiTAN

Posted
Posted

Please note, I'm not aiming like so many of my friends to borrow to my absolute maximum and live in the most ritsy suburb like most of the people I know, who are all up struggle street and causing endless arguments with their partners. I'm looking to do it the smart way.

Buy a house in the $350K or less bracket, with a 20% deposit.

Yes, it will take some hard yards, yes it will mean not being able to mod my cars left right and centre, but 10 years from now, I'll have a disposable income.

But then again, my goal set may drastically change. LOL, but this is the current goal I'm currently working to, and I'm already clearing my debts with a higher repayment than what it will cost me to pay off a $500 000 loan in 30 years ;)

im looking to do it differently.

similar price bracket, but near on 50% deposit, because smaller loan means less interest to the bank.

RandomHero83 Veteran

RandomHero83

Posted
Posted

im looking to do it differently.

similar price bracket, but near on 50% deposit, because smaller loan means less interest to the bank.

Offset account also does this while leaving you with liquid funds in case of emergency or unicor being purchasable at the right price

Ants Grand Master

Ants

Posted
Posted

If my requests that I made at work are met in some way, it's actually 100% possible on my own to pay off my debt, save a deposit, and pay off a house all in a 8 year window.

Please note, I'm not aiming like so many of my friends to borrow to my absolute maximum and live in the most ritsy suburb like most of the people I know, who are all up struggle street and causing endless arguments with their partners. I'm looking to do it the smart way.

Buy a house in the $350K or less bracket, with a 20% deposit.

Yes, it will take some hard yards, yes it will mean not being able to mod my cars left right and centre, but 10 years from now, I'll have a disposable income.

But then again, my goal set may drastically change. LOL, but this is the current goal I'm currently working to, and I'm already clearing my debts with a higher repayment than what it will cost me to pay off a $500 000 loan in 30 years ;)

sounds very positive mate. Theses days if u are able to be disciplined and save / make greater repayments towards existing loans, you can extinguish home loans within half the normal time.

Your last paragraph is probably the most realistic one as things will always change with some causing goals to also be changed. Whether they are positive or adverse in nature.......only you will know

TiTAN Grand Master

TiTAN

Posted
Posted

Offset account also does this while leaving you with liquid funds in case of emergency or unicor being purchasable at the right price

but if the money is easily spendable, i may just spend it. easier if i cant touch it as easily.

Ants Grand Master

Ants

Posted
Posted

It had flecks of what seems to be black tyre rubber/compound all over it and was pretty dirty. I am convinced its last outing involved two rear shredded tyres lol

by whom ;) ?
TREGTR Grand Master

TREGTR

Posted
Posted

If my requests that I made at work are met in some way, it's actually 100% possible on my own to pay off my debt, save a deposit, and pay off a house all in a 8 year window.

Please note, I'm not aiming like so many of my friends to borrow to my absolute maximum and live in the most ritsy suburb like most of the people I know, who are all up struggle street and causing endless arguments with their partners. I'm looking to do it the smart way.

Buy a house in the $350K or less bracket, with a 20% deposit.

Yes, it will take some hard yards, yes it will mean not being able to mod my cars left right and centre, but 10 years from now, I'll have a disposable income.

But then again, my goal set may drastically change. LOL, but this is the current goal I'm currently working to, and I'm already clearing my debts with a higher repayment than what it will cost me to pay off a $500 000 loan in 30 years ;)

Debt shop. Move money around to lowest possible repayment figures. 0% credit cards and don't borrow anymore for a while. It reduces debt levels and increases good repayment history. Serviceable debt isn't the enemy, it's just people never plan for things like: what if I lost my job tomorrow.

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