jaydot1989
For me, the best thing to do first is to save for the big move. This way you'll have enough resource to eat, pay the bills, or do whatever you need to. This subsequently will get you into building a nice credit score--important here. Kasi wala ka masyado liabilities and better interest rates in the future. Personally, I refrained from car loan and/or any installments in my first half year. I just bought in cash what I can afford and what I think will serve its purpose.
On top of my medicare, I got an insurance within my super. So far, couldn't complain with medicare. Have used it once though.
I just secured 1 credit card for emergency. Haven't used yet. Sinesave ko yung credit score if and when I'm ready for a home loan. Hindi pa rin ako dito sure. Step by the step ba haha. Ayaw ko magtrabaho hanggang 65yo para magbayad lang loans kasi. (Personal preference)
I use IBKR for etf. Pero may mga brokerage or sec na tied with local banks na din naman dito. I just haven't explored yet. Maganda daw commsec (the one with commbank).
I havent opened a high-interest savings account pero madami din ditong neobanks. Nag iiba din sila interest rates and terms so better check theor websites.
Iba iba naman tayo ng situations pero my experience was--naramdaman ko yung bilis maubos ng ipon ko dito in the first few months. Insurance for self and car, bills, my telco is prepaid (cheapest and underutilized din), gym membership. Groceries super mahal but if you got time to compare prices between stores, may makikita kang nakasale na di hamak mas mura for the same item. Mga ganyan naka-note na sakin saan mas mura yung ganitong item haha. Minsan kasi $10 difference din.
Dito sa au, well at least in the area i currently live, aussie way talaga ang life. Wake up early, nice coffee/tea, work out, couple of quick interactions, wellbeing ganyan. Less hustle unlike sydney. So di masyadong flashy ang buhay. Hindi ko nilalahat but yes mas okay sa regional for me, mas payak ang buhay pero fulfilled. Ayun lamang.