Good job! I have some friends who are carless, however we live too far out of the city for it to work for us (given the level of convenience I want and am willing to pay for). However we did move from 2 cars down to 1 car, or 50% of a car each?

The battery went flat from lack of use and that seemed a sign I didn’t actually need it.

Oh… unfortunately I defiantly cant agree with that one! Always cheaper, but (at least in my case) not always healthier :(. Although that is why one of my new year goals for 2017 is to lose some weight.

Indeed – an offset account is a fantastic place to park money if you have a mortgage. It will defiantly save you more than a high interest savings account. I never actually had one as I just put the money straight into the loan, and had a loan with unlimited instant redraws. It looked just like another bank account (just with a negative sign).

Totally! I hate to think how much people spend on bottled water each year. The only times I have been on the bottled water train was when in places where the water was not safe to drink. An expense that I think was very much worth it (after hearing other people – thin walls in the bathroom).

Well man the thing people love paying for is convenience & I’m sure you could come up with something unique and creative 🙂

Agreed on the 2 months being too low although as you say it can be adjusted.. Keep posting & I’ll keep reading!

Currently good variable rates seem to be under 4% (3.79% to 3.99%). Mine (would have been) sitting on 3.98% at the moment. Unfortunately investment loans seem to all now be notably higher (about 0.5%) thanks you your friend and mine, APRA. http://www.smh.com.au/business/banking-and-finance/interest-rate-gap-between-investors-and-owneroccupiers-to-widen-20150803-giqfet.html