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for gutter replacement i have 2 quotes at $2500 and one at $2800 this is due to extra work with moving up the first row of tiles to enable gutter replacement and capping removal and re-fit on the fascia's etc which i acknowledge and do not dispute.
With the chippie quote i am still waiting on the break down to be sent. Was told verbally materials are expensive and the job will take a week to complete. At bunnings i quoted $1000 for buying fascia and eaves with fascia pre-primed. This leaves me wondering that it will cost $13000 for a weeks labour, Once again, seems very pricey to me.
congrats go out to Jamie (Pass Go home loans) who assisted me in obtaining refinancing through AMP Bank ltd. Settlement occured in the last week.
Personally I'm back on my financial track although 7 months late. This allows me to now work on subdividing my rental property, sell existing house, cash up, then really make tracks with my investment portfolio.
Yes, I learned lessons where I though I had all the boxes ticked over the last three years how my financial plan and timeline were on track and covered. I learned that credit card limits significantly reduce your borrowing capacity calculation. Although I intentionally applied for credit cards for specific reasons in December 2009 with the view to refinance two years later I was naive to how their limits reduce borrowing capacity. If I was aware back then I would have made better choices to balance what I required then to its implications when I was refinancing. This wont occur again.
secondly, although I have a dedicated direct debit account for all my bills with regular fortnightly payments where I have this created as a set and forget approach because my deposit from pay exceeds the bills going out, some payments can stop depending on how you set them up and if your keycard expires (ANZ at least). Not being aware this happens and my thoughts that I was really on top of my finances one direct debit stopped and this caused after a few months my credit report default. A side note, make sure wen you move address, bills from the old address have your current address / contact details.
I really made sure I had perfect preparation, but hey, some things we just forget, don't know, don't progressively check etc. I've increased my due diligence so when I move into incfreasing my investment portfolio I'm more prepared. And no doubt, I'll learn more things then that I don't know today.
cheers everyone.
