Depression

The more I think about it I reckon you have to change banks.
Our bank has never asked us about kids. In fact the last time I dropped into the bank with the wife was the first time anyone has asked us in my entire lending history......and that was more of a "how do you do?" than anything probing.......
I get that in theory with kids now you have less cash to service a loan but the banks actuaries should have factored that in on day one when assessing the original finance......a young couple+home loan = kids generally at some point......

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Originally Posted by Cuppa

Thirdly, things may get to a point where you decide that it is better to cut your losses & leave rather than to continue living in a situation which constantly drives you down. Accepting such loss would be painful, but staying in the situation feeling helpless is likely to be more painful. Once out of the situation, you would likely feel angry about the loss you had to take, but it wouldn’t be long before you were once again feeling in control of your lives, albeit having to ‘start again’. It’s not fair, but it might be your best option. Continuing to live in this situation which affects all of you clearly isn’t doing you or your family any favours, so if other strategies don’t help, then an early rather than late decision for you & your wife to do what’s best for your kids may be the best thing.

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This really would have to be the last option 2 take, I feel for you as I have great neighbours now, we did go through a 6 month stage when we first moved in that one of our neighbours was abusive to his dog which was hard to listen 2. Lucky for us he moved out 6 months after we go here.

Up and moving may also not solve your problems either sorry to say, there is no guarantee your new neighbours won't be neighbours from hell also.

Maybe you should move down 2 VIC and buy cuppa's place, I here its going cheap and there is no close neighbours :)

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Originally Posted by NissanGQ4.2

This really would have to be the last option 2 take, I feel for you as I have great neighbours now, we did go through a 6 month stage when we first moved in that one of our neighbours was abusive to his dog which was hard to listen 2. Lucky for us he moved out 6 months after we go here.

Up and moving may also not solve your problems either sorry to say, there is no guarantee your new neighbours won't be neighbours from hell also.

Maybe you should move down 2 VIC and buy cuppa's place, I here its going cheap and there is no close neighbours :)

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And the neighbours we do have are top shelf.

If you think negative gearing is an option, get advise 1st.
You may not be able to transfer the property to an investment. Your bank might not accept the change to the type of loan, interest rates may change as well.
Also I was told you can only claim a tax deduction if the interest and outgoings exceeds the income.
It has to cost you more than you make, the principle is not in the equation.
I am in no way sure about this, but be informed before setting your mind on that type of solution.

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Originally Posted by macca

Also I was told you can only claim a tax deduction if the interest and outgoings exceeds the income.
It has to cost you more than you make, the principle is not in the equation.
I am in no way sure about this, but be informed before setting your mind on that type of solution.

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That is pretty much right and absolutely, you should always get advice on such things from your accountant.
Just chucking ideas out there to show there is more than one way to skin the cat.

Rang a mate today , been a while but just chatting in general and noticed his tone was different.
So said SUP bro and yes he is a plumber self employed and lately seems with all the work etc he cant see the rewards what with taxs, etc'
So I've reminded him of our previous VENT sessions up Tallarook. what we do is light a fire and vent till the esky is empty. Get it all off your chest.
Seems to work, the hangover is extra

I am so sick of people.......... f%$king fed up and sometimes it is bloody hard to stay chipper when the world is full of selfish lying cheating scum!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!

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Originally Posted by Bloodyaussie

I am so sick of people.......... f%$king fed up and sometimes it is bloody hard to stay chipper when the world is full of selfish lying cheating scum!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! !!!!!!!

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You alright mate?

As long as everyone gets what THEY want!!!!

Tell me people are you the type of person that steals ,cheats, parks in handicap spacers, drives up the left side and jams in in front of traffic.............. dont let people in at blocked intersections, dumps all your rubbish in that vacant block, speeds up to block someone from changing lanes, is your pal when they want something........ fark I could go on and on.. yeah I know " Harden the f$%k up".

I think I am tired???

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Originally Posted by Bloodyaussie

As long as everyone gets what THEY want!!!!

Tell me people are you the type of person that steals ,cheats, parks in handicap spacers, drives up the left side and jams in in front of traffic.............. dont let people in at blocked intersections, dumps all your rubbish in that vacant block, speeds up to block someone from changing lanes, is your pal when they want something........ fark I could go on and on.. yeah I know " Harden the f$%k up".

I think I am tired???

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And for some reason breaking peoples legs is frowned upon by authorities