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  1. #451
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    Quote Originally Posted by LoveLivesHere View Post
    In the ball park of 250k

    Large regional city.

    7 bedroom house on 1 acre.
    (We are building it ourselves.)
    Wow, sounds lovely. You might get a bedsit for that in Sydney.

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    Quote Originally Posted by ScubaGal View Post
    Wow, sounds lovely. You might get a bedsit for that in Sydney.
    No the house worth between 600 and 650 k maybe higher now, that's just how much we still have left to pay.

  3. #453
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    Quote Originally Posted by LoveLivesHere View Post
    No the house worth between 600 and 650 k maybe higher now, that's just how much we still have left to pay.
    Well, I give up. I don't understand how you've paid down $400k on a $55k salary with several kids in tow, unless you've had some kind of inheritance or extra input there.

    Either way I think for a great number of people, their income tends to match their living expenses. Sadly it's not always an option for everyone to move to somewhere regional to live more cheaply...

  4. #454
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    Last edited by LoveLivesHere; 14-05-2015 at 22:13.

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    Last edited by LoveLivesHere; 14-05-2015 at 22:13.

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    People that would live on an earned income of $55k or $60k would that include ftb payments and or rent assistance from Centre link ? Cause i know on an income of $50,151 you would be on full ftb with one child plus rent assistance which is like over $12,000! So obviously that would help. Not that im knocking that but with more than one child that would mean more ftb payments

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  10. #458
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    Quote Originally Posted by ScubaGal View Post
    Serious question - where in the country are you to be surviving with 5 people on 55k? That's an annual budget of $11,000 per person.

    Can you start a thread with budget tips on how you afford that? -- not being facetious I'm really curious. Do you own your home already and not have a mortgage?
    We live in a mid-range southern suburb of adelaide - not expensive, but not boganville either. We have a mortgage of 320k. We live in a perfectly sized 3brm house - i love it, we fit really well, &could live here for years before we have to upgrade. When we had our 3rd, we had people say "oh, now youll have to move", because the concept of kids sharing bedrooms is going out the window. The bedrooms are huge though. We dont have any other debt - i have a 3k 15 year old car that i bought outright, i refuse to get a car loan. I get a lot of clothes given to me from relatives with older kids, and toys too. We really dont buy much stuff at all, we dont keep up with the joneses and are content and happy with what we have. I thibk its about being content in any financial situation. I honestly cant say the last time i worried about money - i am a very conservative spender,& if we need anything, i look to 2nd hand first, depending on what it is. I really feel for those for whom money is a huge burden, & i have so much trouble relating to threads like this one, because i just find it so hard to get why people worry so much about money. I see two options for every financial hurdle - you can choose to either earn more, or spend less. I know not everyone can live this way, and it is a very simplistic way of looking at things, but i am so free of money worries - i am blessed with more than i need.

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  12. #459
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    Quote Originally Posted by cheeeeesecake View Post
    We live in a mid-range southern suburb of adelaide - not expensive, but not boganville either. We have a mortgage of 320k. We live in a perfectly sized 3brm house - i love it, we fit really well, &could live here for years before we have to upgrade. When we had our 3rd, we had people say "oh, now youll have to move", because the concept of kids sharing bedrooms is going out the window. The bedrooms are huge though. We dont have any other debt - i have a 3k 15 year old car that i bought outright, i refuse to get a car loan. I get a lot of clothes given to me from relatives with older kids, and toys too. We really dont buy much stuff at all, we dont keep up with the joneses and are content and happy with what we have. I thibk its about being content in any financial situation. I honestly cant say the last time i worried about money - i am a very conservative spender,& if we need anything, i look to 2nd hand first, depending on what it is. I really feel for those for whom money is a huge burden, & i have so much trouble relating to threads like this one, because i just find it so hard to get why people worry so much about money. I see two options for every financial hurdle - you can choose to either earn more, or spend less. I know not everyone can live this way, and it is a very simplistic way of looking at things, but i am so free of money worries - i am blessed with more than i need.
    I'm in a 3br in Sydney and my mortgage is 700k+ and believe it or not that's considered a bargain.

    I'm with you on the bunk beds and reusing / minimising expenditure but for me to get to a budget situation approaching yours id have to move somewhere like Adelaide which is lovely, but there are risks in that too - my DH likely wouldn't get the same work and would need to totally retrain, and I'd have to hope for a job there.

    Either way I still think the original argument stands: PPL is about encouraging mothers to spend closer to the recommended time with bubs; the scheme was designed to have employers top up the govt amount and now that's been wound back.

    And I'm not a fan of policy that moves backwards. especially not when the rest of the budget is equally lame - rollbacks in the arts, climate change, foreign aid, the list goes on.

    Meanwhile we've got $100m for a new overseas war memorial that most average Aussies are never going to afford to visit because it's in France(!!), more money for metadata retention so the govt can monitor how often I'm on Bubhub, and $60m for school chaplains because kids need forced religion instead of mental health counselling like a fish needs a bicycle.

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  14. #460
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    Quote Originally Posted by ScubaGal View Post
    I'm in a 3br in Sydney and my mortgage is 700k+ and believe it or not that's considered a bargain.

    I'm with you on the bunk beds and reusing / minimising expenditure but for me to get to a budget situation approaching yours id have to move somewhere like Adelaide which is lovely, but there are risks in that too - my DH likely wouldn't get the same work and would need to totally retrain, and I'd have to hope for a job there.

    Either way I still think the original argument stands: PPL is about encouraging mothers to spend closer to the recommended time with bubs; the scheme was designed to have employers top up the govt amount and now that's been wound back.

    And I'm not a fan of policy that moves backwards. especially not when the rest of the budget is equally lame - rollbacks in the arts, climate change, foreign aid, the list goes on.

    Meanwhile we've got $100m for a new overseas war memorial that most average Aussies are never going to afford to visit because it's in France(!!), more money for metadata retention so the govt can monitor how often I'm on Bubhub, and $60m for school chaplains because kids need forced religion instead of mental health counselling like a fish needs a bicycle.
    Yep, the values of this govt are so at odds with my own :-/


 

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