@MidnightPanda12 said:
@PeanutButter said:
190 / 189 Visa Tips kung kakadating mo pa lang or kakagrant pa lang.
Ito ang mga listahan na need mong gawin.
- Kumuha ng mobile number para sakin Telstra kasi anywhere sa Australia merong signal lalo na sa regional. Wag kalimutan na ipaactivate sa airport ang sim card.
- Need nyo ng bank account Commonwealth bank yung samin kaya through online lang magkakaron ka ng bank account pero need nyo pa din pumunta sa branch para sa verification
- TFN or tax file number, need nyo yan para sa tax return at hinahanap yan yan sa work
- Pagdating nyo mag apply agad kayo ng Medicare kasi 1 month ang iintayin nyo jan.
- Yung Centrelink nyo need nyo din asikasuhin agad yan
- Drivers license para makapagdrive ka na / Photocard or Photo ID (kung sa NSW ka) isa ding ID yan
- HANAP NA NG WORK!
491 Visa Tips naman siguro remove nyo lang yung number 5.
Eto pa ang mga tips ko, magdownload and register kayo ng Afterpay/Paypal kasi pag nag online shopping ka ppwede mong gamitin ang Afterpay/Paypal. Ang nagagawa ng Afterpay/Paypal yung pinurchase divided into 4 example bumili ka ng relos na worth $100 ididivide mo into 4 yan so first payment mo is $25 then every fortnight or 2 weeks $25 lang.
Tapos magdownload and register ka din ng Rewards/Flybuys eto naman ay parang SM Advantage card, so ginagamit ko xa sa Woolsworth at Coles pag nag ggrocery kayo so points system yan hangang sa dumami ang points nyo.
Tips naman para makakuha ng Phone Plan (Telstra)
Kunwari gusto mo ng iPhone 16 Pro Max 256gb, punta ka sa Telstra store or magpa appointment ka then sabihin mo lang na gusto mo magplan ng iPhone 16 Pro Max 256gb then sila nag aayos nun at xempre ang need lang nila is ID which is drivers license/photo ID. Dito meron silang tinatawag na credit check pagpumasa kayo makakakuha kayo ng phone pag hindi naman lower phone ang makukuha nyo. (Siguro after 3 months na fulltime work ok tong gawin)
Tips naman para makakuha ng USED/NEW car sa mga dealer.
Punta ka sa car dealer then check mo kung ano gusto mong sasakyan after nun iready mo ang drivers license (yung saming PH license lang gamit ko), passport, visa at pay slips na 3 months. Then ipa-estimate mo kung magkano per month ang babayaran mo yung samin nasa $800 per month Audi Q2 na yun at naka 491 visa kaya mejo maiksi ang duration ng bayaran. Tapos nyan ipa-car finance mo, samin naka Angle Car Finance kami.
LASTLY Remitly eto download nyo kung gusto nyo magpadala sa pinas.
Sana nakatulong ako. Kung may tanong kayo ppwede nyo ako iPM para sa mga konting tips 😂
Super helpful. And agree with the splurging a bit. I think we deserve it kasi naman apakahirap mag migrate.
On that regard may 2nd hand po ba na Jimny. Lol. Yun ang dream car ko dito sa Pinas and to do outdoorsy stuff. Pero might change depende sa available na within range syempre po sa AU.
Thank you for also mentioning something about discrimination against LGBT and POC, good to know that you can turn sa gov’t for support regarding this. Sa Pinas kasi kibi’t balikat lang talaga. Haha
Just want to add car loan (if it helps). Once you have determined the drive away price, check with different financial entities for better rates.
When I migrated to Sydney, I lived for a few years in the northern beaches area. When I decided to get my own car I thought that I might get better in-house financing rates at dealerships at western suburbs (mura kasi around that area), I contacted 3 dealerships. The 3 gave me a rate of 6.5-9% for a b-new car which was a newly released model that time. I almost went with the dealership who gave me the lowest rate which was 6.5%. But before I did, I just tried to contact a dealership around northern beaches area and made an enquiry. Initially they gave me a rate around 7%, but I told them that I got a lower rate from another. To my surprise, after asking me what rate was given to me by the other dealer (at western sub), they reduced their rate to around 5%. So, always try to check and compare.
Additionally, When you have agreed with the rate and the financing entity shows you your repayment value (I chose monthly), try to do a quick check if it is correct or acceptable. If you know someone who knows how to calculate repayments, ask them. I only used MS Excel (PMT fuction) as I did not trust the calculations from the online calculators. Good thing I did check as the repayment cost shown to me by the financing company was around $50 (monthly) over what I have calculated. I asked them nicely how they got the repayment value because I was getting a lower value (dala ko laptop ko nun. lol). They checked again and made adjustments which and got very close to my calculation. Might not be a big deal but, it was $3k savings for me =P