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AU Migrants: Pls share your weekly/monthly budget...

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Comments

  • stolich18stolich18 Sydney
    Posts: 993Member
    Joined: Feb 15, 2012
    Folks, di nyo po sinasma sa weekly computation nyo ang pambayad sa tax? hehhehe :)

    261313 (Software Engineer)

    Feb.15.2012 - started working on ACS requirements
    Mar.02.2012 - submitted online ACS application and sent documents to ACS via Fedex
    Mar.05.2012 - ACS acknowledged actual documents
    Mar.21.2012 - ACS finalised assessment: Suitable
    Mar.31.2012 - IELTS exam with BC
    Apr.13.2012 - IELTS Results (L:8.5 R:7 W: 7 S: 8 OB: 7.5) Thank you LORD!
    Apr.14.2012 - Lodged 175 Online Application
    Apr.20.2012 - Completed Online Attachments
    May.24.2012 - "Application being processed further"
    May.29.2012 - CO Assigned :-)
    Jun.07.2012 - Uploaded NBI Clearance
    Jun.13.2012 - Medical/Health Requirements Finalised
    Jun.14.2012 - VISA GRANT! Thank you, LORD! :-)
    Jun.07.2013 - Initial Entry Date Deadline
    Apr.28.2013 - Initial Entry (Sydney)
    Jun.28.2013 - Verbal Job Offer (Melbourne)
    Jul.08.2013 - First day of Work and first day of child care for my son (Melbourne)
    Aug.21.2013 - First day of Work in Sydney

    "Great is the LORD and most worthy of praise; his greatness no one can fathom." Psalm 145:3

  • wolfeyezwolfeyez Sydney
    Posts: 8Member
    Joined: Nov 24, 2011
    @lock_code2004 no downpayment yan..basta mgpakita k lng ng payslip madali n kumuha ng sskyan d2
  • NadineNadine Brisbane
    Posts: 481Member
    Joined: Dec 15, 2012
    edited February 2013
    @wolfeyez: Wala pa po ako payslip, pero payag na mga agents na NO downpayment for a new car! Madali nga, sa totoo lang. Lalo ngayon they are clearing 2012 stocks.

    @lock_code2004: parang free po ang initial 12 month registration yata on buying a car, pero you have to pay for the Monthy insurance. Sa pagkakaintindi ko ha. Correct me guys if I'm wrong. Anyway, the dealer lets you decide what you want based on your needs. Posible po to drive away with no downpayment or $1000 or kahit ano. Kayo po bahala. :)

    Ang pansin ko lang dito ngayon sa Brisbane, ang mamahal ng rental property at pagkain!!! ~X(

    21 Dec 2012 - 457 lodged
    7 Jan 2013 - medical finalised
    8 Jan 2013 - visa approved

  • Davidx23Davidx23 Brisbane
    Posts: 229Member
    Joined: Nov 08, 2011
    @stolich18
    Hindi na kailangan kasi kung maalam ka refund ang mangyayari dyan. :)
  • stolich18stolich18 Sydney
    Posts: 993Member
    Joined: Feb 15, 2012
    @davidx23 haha interesting! pano un nagwwork? hehhe feeling ko ma-detalye yan makabisado hehe

    261313 (Software Engineer)

    Feb.15.2012 - started working on ACS requirements
    Mar.02.2012 - submitted online ACS application and sent documents to ACS via Fedex
    Mar.05.2012 - ACS acknowledged actual documents
    Mar.21.2012 - ACS finalised assessment: Suitable
    Mar.31.2012 - IELTS exam with BC
    Apr.13.2012 - IELTS Results (L:8.5 R:7 W: 7 S: 8 OB: 7.5) Thank you LORD!
    Apr.14.2012 - Lodged 175 Online Application
    Apr.20.2012 - Completed Online Attachments
    May.24.2012 - "Application being processed further"
    May.29.2012 - CO Assigned :-)
    Jun.07.2012 - Uploaded NBI Clearance
    Jun.13.2012 - Medical/Health Requirements Finalised
    Jun.14.2012 - VISA GRANT! Thank you, LORD! :-)
    Jun.07.2013 - Initial Entry Date Deadline
    Apr.28.2013 - Initial Entry (Sydney)
    Jun.28.2013 - Verbal Job Offer (Melbourne)
    Jul.08.2013 - First day of Work and first day of child care for my son (Melbourne)
    Aug.21.2013 - First day of Work in Sydney

    "Great is the LORD and most worthy of praise; his greatness no one can fathom." Psalm 145:3

  • stolich18stolich18 Sydney
    Posts: 993Member
    Joined: Feb 15, 2012
    @nadine wow ok un, walang downpayment. ehhehe Bkt sa kanila allowed na ganon? heheh

    261313 (Software Engineer)

    Feb.15.2012 - started working on ACS requirements
    Mar.02.2012 - submitted online ACS application and sent documents to ACS via Fedex
    Mar.05.2012 - ACS acknowledged actual documents
    Mar.21.2012 - ACS finalised assessment: Suitable
    Mar.31.2012 - IELTS exam with BC
    Apr.13.2012 - IELTS Results (L:8.5 R:7 W: 7 S: 8 OB: 7.5) Thank you LORD!
    Apr.14.2012 - Lodged 175 Online Application
    Apr.20.2012 - Completed Online Attachments
    May.24.2012 - "Application being processed further"
    May.29.2012 - CO Assigned :-)
    Jun.07.2012 - Uploaded NBI Clearance
    Jun.13.2012 - Medical/Health Requirements Finalised
    Jun.14.2012 - VISA GRANT! Thank you, LORD! :-)
    Jun.07.2013 - Initial Entry Date Deadline
    Apr.28.2013 - Initial Entry (Sydney)
    Jun.28.2013 - Verbal Job Offer (Melbourne)
    Jul.08.2013 - First day of Work and first day of child care for my son (Melbourne)
    Aug.21.2013 - First day of Work in Sydney

    "Great is the LORD and most worthy of praise; his greatness no one can fathom." Psalm 145:3

  • NadineNadine Brisbane
    Posts: 481Member
    Joined: Dec 15, 2012
    edited February 2013
    @nadine wow ok un, walang downpayment. ehhehe Bkt sa kanila allowed na ganon? heheh
    2012 po kasi na stock ang tiningnan ko, not 2013. Paubos na rin, they are clearing out kaya madami na concession. 2013 stocks are available na din kasi. Low monthly rates, no downpayment etc. No payslips din kailangan kasi kakarating ko lang last week. Bank account lang kailangan na wala namang laman :D. No need money din to open bank account. Pinapadali nila buhay mo hehe!

    21 Dec 2012 - 457 lodged
    7 Jan 2013 - medical finalised
    8 Jan 2013 - visa approved

  • Davidx23Davidx23 Brisbane
    Posts: 229Member
    Joined: Nov 08, 2011
    edited February 2013
    @stolich18
    Mag-download ka ng free tax software ng ATO, naka-lagay dun lahat ng pwde mung i-deduct. Tapos some filipinos here classify their money remittances to their family as 'donation' and use that as claimable deduction. Mautak, pag na-audit, better think of a good excuse :)
  • stolich18stolich18 Sydney
    Posts: 993Member
    Joined: Feb 15, 2012
    ^ ehehhe thanks! does this mean na almost 0 na ang babayarang tax??? hahhaha! Pero seriously, pano yun, one time big time kase magbayad ng tax sa au, di ata ako sanay sa ganon kase dito sa pinas deducted na agad sa sweldo hehhehe medyo malaking amount pa rin I suppose? hehhehe

    261313 (Software Engineer)

    Feb.15.2012 - started working on ACS requirements
    Mar.02.2012 - submitted online ACS application and sent documents to ACS via Fedex
    Mar.05.2012 - ACS acknowledged actual documents
    Mar.21.2012 - ACS finalised assessment: Suitable
    Mar.31.2012 - IELTS exam with BC
    Apr.13.2012 - IELTS Results (L:8.5 R:7 W: 7 S: 8 OB: 7.5) Thank you LORD!
    Apr.14.2012 - Lodged 175 Online Application
    Apr.20.2012 - Completed Online Attachments
    May.24.2012 - "Application being processed further"
    May.29.2012 - CO Assigned :-)
    Jun.07.2012 - Uploaded NBI Clearance
    Jun.13.2012 - Medical/Health Requirements Finalised
    Jun.14.2012 - VISA GRANT! Thank you, LORD! :-)
    Jun.07.2013 - Initial Entry Date Deadline
    Apr.28.2013 - Initial Entry (Sydney)
    Jun.28.2013 - Verbal Job Offer (Melbourne)
    Jul.08.2013 - First day of Work and first day of child care for my son (Melbourne)
    Aug.21.2013 - First day of Work in Sydney

    "Great is the LORD and most worthy of praise; his greatness no one can fathom." Psalm 145:3

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    ^ ehehhe thanks! does this mean na almost 0 na ang babayarang tax??? hahhaha! Pero seriously, pano yun, one time big time kase magbayad ng tax sa au, di ata ako sanay sa ganon kase dito sa pinas deducted na agad sa sweldo hehhehe medyo malaking amount pa rin I suppose? hehhehe
    Similar sa Pinas ang tax sa Australia... You get deducted as you earn! :)

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

  • stolich18stolich18 Sydney
    Posts: 993Member
    Joined: Feb 15, 2012
    @psychoboy hahha di ko alam to! Akala ko parang magssubmit every June or July ba un? ehehehhe tska dito sa Pinas blessing lang din na may tax shield ako hehhehe :)
    So meaning to say, di ko na kailangan magset aside ng money for taxes? hehe Pag ganon kase parang wala na matitira hahaha

    261313 (Software Engineer)

    Feb.15.2012 - started working on ACS requirements
    Mar.02.2012 - submitted online ACS application and sent documents to ACS via Fedex
    Mar.05.2012 - ACS acknowledged actual documents
    Mar.21.2012 - ACS finalised assessment: Suitable
    Mar.31.2012 - IELTS exam with BC
    Apr.13.2012 - IELTS Results (L:8.5 R:7 W: 7 S: 8 OB: 7.5) Thank you LORD!
    Apr.14.2012 - Lodged 175 Online Application
    Apr.20.2012 - Completed Online Attachments
    May.24.2012 - "Application being processed further"
    May.29.2012 - CO Assigned :-)
    Jun.07.2012 - Uploaded NBI Clearance
    Jun.13.2012 - Medical/Health Requirements Finalised
    Jun.14.2012 - VISA GRANT! Thank you, LORD! :-)
    Jun.07.2013 - Initial Entry Date Deadline
    Apr.28.2013 - Initial Entry (Sydney)
    Jun.28.2013 - Verbal Job Offer (Melbourne)
    Jul.08.2013 - First day of Work and first day of child care for my son (Melbourne)
    Aug.21.2013 - First day of Work in Sydney

    "Great is the LORD and most worthy of praise; his greatness no one can fathom." Psalm 145:3

  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    @psychoboy hahha di ko alam to! Akala ko parang magssubmit every June or July ba un? ehehehhe tska dito sa Pinas blessing lang din na may tax shield ako hehhehe :)
    So meaning to say, di ko na kailangan magset aside ng money for taxes? hehe Pag ganon kase parang wala na matitira hahaha
    You submit your return every after June of each year... Kumbaga, you report your income; dito malalaman if kulang ba binayad mo or may sobra - hence more often than not, may kaunting adjustment...

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

  • stolich18stolich18 Sydney
    Posts: 993Member
    Joined: Feb 15, 2012
    heheeh thanks @psychoboy! :)

    261313 (Software Engineer)

    Feb.15.2012 - started working on ACS requirements
    Mar.02.2012 - submitted online ACS application and sent documents to ACS via Fedex
    Mar.05.2012 - ACS acknowledged actual documents
    Mar.21.2012 - ACS finalised assessment: Suitable
    Mar.31.2012 - IELTS exam with BC
    Apr.13.2012 - IELTS Results (L:8.5 R:7 W: 7 S: 8 OB: 7.5) Thank you LORD!
    Apr.14.2012 - Lodged 175 Online Application
    Apr.20.2012 - Completed Online Attachments
    May.24.2012 - "Application being processed further"
    May.29.2012 - CO Assigned :-)
    Jun.07.2012 - Uploaded NBI Clearance
    Jun.13.2012 - Medical/Health Requirements Finalised
    Jun.14.2012 - VISA GRANT! Thank you, LORD! :-)
    Jun.07.2013 - Initial Entry Date Deadline
    Apr.28.2013 - Initial Entry (Sydney)
    Jun.28.2013 - Verbal Job Offer (Melbourne)
    Jul.08.2013 - First day of Work and first day of child care for my son (Melbourne)
    Aug.21.2013 - First day of Work in Sydney

    "Great is the LORD and most worthy of praise; his greatness no one can fathom." Psalm 145:3

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    general question lang po..baka kasi meron na sa inyong nakabili ng bahay sa Australia, how much po normally ang range ng ammortization ngayon?
  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    general question lang po..baka kasi meron na sa inyong nakabili ng bahay sa Australia, how much po normally ang range ng ammortization ngayon?
    I don't have a house but I reckon I can answer your question:

    This really depends on the ff:

    (1) Your loan amount
    (2) Your interest
    (3) Your tenure of loan

    From what I gather, it is generally heavier on the pocket to service your mortgage than to rent a house. BUT, you are building equity naman dito sa bahay unless renting wherein it will all be expense.

    Hope this helps!!

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    @psychoboy ah ok hehe..makes sense :)
    the reason I asked is I'm hearing a lot about mortgage offset accounts in Australia...parang efficient na paraan para paikutin yung pera.
  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    @psychoboy ah ok hehe..makes sense :)
    the reason I asked is I'm hearing a lot about mortgage offset accounts in Australia...parang efficient na paraan para paikutin yung pera.
    You seem to know a lot about all these financial jargons - tax offset, mortgage offset, etc so it just makes me wonder why you were asking about mortgage payment computation... :)

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

  • icebreaker1928icebreaker1928 Sydney
    Posts: 1,455Member
    Joined: Apr 26, 2011
    edited February 2013
    @psychoboy accountant yan si fafa loki e... Australian Accounting pa alam nyan :)
  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    @icebreaker1928 - eheheeh!! am still struggling to understand the complex australian taxation, superannuation, etc and I don't have a slight idea about mortgage offset account... :)

    Cheers!!

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

  • vangievcvangievc Sydney
    Posts: 90Member
    Joined: Oct 21, 2012
    @akino
    Sir, hindi po advisable na every fortnight kau mag grocery kasi mabilis mapanis ang food dito lalo na summer ngayon. Yung mga tinapay usually 5 day expiry, pero sa init ngaun 3-4days pa lang may molds na. Ok yan kung nasa Canada kayo. Ako araw araw nasa grocery para sariwa yung meat at seafood.
    Lagay nyo po sa freezer bread nyo para Hindi masira tapos toast n lng. OT advertisement Lang.

    Learning with you guys...kahit matagal nko ditto.he he he..natututo kong mag tipid. I salute you guys on how you handle things here...God Bless
  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    @akino
    Sir, hindi po advisable na every fortnight kau mag grocery kasi mabilis mapanis ang food dito lalo na summer ngayon. Yung mga tinapay usually 5 day expiry, pero sa init ngaun 3-4days pa lang may molds na. Ok yan kung nasa Canada kayo. Ako araw araw nasa grocery para sariwa yung meat at seafood.
    Lagay nyo po sa freezer bread nyo para Hindi masira tapos toast n lng. OT advertisement Lang.

    Learning with you guys...kahit matagal nko ditto.he he he..natututo kong mag tipid. I salute you guys on how you handle things here...God Bless
    I have created a separate thread for tipid tips ms @vangievc! :) Hopefully we can generate lots of tips/responses there...

    http://pinoyau.info/discussion/1068/tipid-tips-in-australia

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

  • sweet_toothsweet_tooth Canberra
    Posts: 51Member
    Joined: Nov 26, 2012
    anyone from sydney who can share their weekly/monthly expenses? thanks

    VISA SUBCLASSS 189 APPLICATION AS DENTIST

    14 JUN 2012- Skill Assessment
    28 Jul 2012- EOI lodged
    01 Sep 2012- Invitation to lodge visa 189
    03 Sep 2012- Application lodged
    14 Sep 2012- Medical Examination
    19 Sep 2012- Case Officer assigned - Team 2 adelaide
    27 Sep 2012- Futher documents submitted; NBI and form 80 submitted
    08 Nov 2012- advised by CO that application pending health assessment from MOC
    04 Dec 2012- further Medical testing advised
    26 Jan 2013 - medical finalised
    01 Feb 2013 - VISA Grant (IED July 26, 2013)
    March 2013- off to sydney ?

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    @psychoboy I don't really compute for the mortgage payment kasi...in my work, we do debt management of some sort, but we're not licensed to provide computations for morgages (so hindi ko na rin inaral hehe)
  • TasBurrfootTasBurrfoot Osaka
    Posts: 4,336Member
    Joined: Feb 24, 2011
    @psychoboy I don't really compute for the mortgage payment kasi...in my work, we do debt management of some sort, but we're not licensed to provide computations for morgages (so hindi ko na rin inaral hehe)
    Ahahaha!! :) Cool, I will pm you with any debt related query in the future...

    Cheers

    Primary Applicant: Wife
    Accountant (General): 221111

    04 Aug 2012 - IELTS (Academic Module)
    07 Aug 2012 - IELTS (Academic Module) Speaking Part
    17 Aug 2012 - IELTS Results (L: 8.5 R: 8.5 W: 7.0 S: 7.5 OBS: 8.0)
    24 Aug 2012 - CPAA Submitted (docs mailed same day via SG EMS)
    25 Sep 2012 - Received +Skills Assessment from CPAA
    25 Sep 2012 - Lodged EOI Application with 70pts
    30 Sep 2012 - Invited by DIAC to apply for 189 Visa
    01 Oct 2012 - Submitted 189 Visa Application
    20 Oct 2012 - Medical Examinations
    23 Oct 2012 - CO Assigned; Team 7 - SA
    05 Nov 2012 - Submitted SG PCC and NBI Clearance
    06 Nov 2012 - Visa Granted (IED: 23/10/2013)
    03 Apr 2013 - Flight to MEL
    03 Jun 2013 - started work
    12 Jun 2013 - wife started work
    15 Jun 2016 - applied for citizenship
    29 Jul 2016 - citizenship examination
    20 Oct 2016 - Aussie, Aussie, Aussie Oi Oi Oi!!

  • wolfeyezwolfeyez Sydney
    Posts: 8Member
    Joined: Nov 24, 2011
    @stolich18 di na kelangan mag-allot para s tax, usually yung mga may 2nd job lng ang ngbbyad ng tax..and mas madalas may narerefund k p.. s unang taxation mo dito malaki nkukuha n tax refund basta di ka nakakumpleto ng 1 year n nagwowork.. like what we get last June..lahat ng binayad nmen n tax nakuha nmen..
  • stolich18stolich18 Sydney
    Posts: 993Member
    Joined: Feb 15, 2012
    @wolfeyez thanks! Akala ko kase di pa niddeduct yung tax bago makuha ng employee ung sweldo heehe :)

    261313 (Software Engineer)

    Feb.15.2012 - started working on ACS requirements
    Mar.02.2012 - submitted online ACS application and sent documents to ACS via Fedex
    Mar.05.2012 - ACS acknowledged actual documents
    Mar.21.2012 - ACS finalised assessment: Suitable
    Mar.31.2012 - IELTS exam with BC
    Apr.13.2012 - IELTS Results (L:8.5 R:7 W: 7 S: 8 OB: 7.5) Thank you LORD!
    Apr.14.2012 - Lodged 175 Online Application
    Apr.20.2012 - Completed Online Attachments
    May.24.2012 - "Application being processed further"
    May.29.2012 - CO Assigned :-)
    Jun.07.2012 - Uploaded NBI Clearance
    Jun.13.2012 - Medical/Health Requirements Finalised
    Jun.14.2012 - VISA GRANT! Thank you, LORD! :-)
    Jun.07.2013 - Initial Entry Date Deadline
    Apr.28.2013 - Initial Entry (Sydney)
    Jun.28.2013 - Verbal Job Offer (Melbourne)
    Jul.08.2013 - First day of Work and first day of child care for my son (Melbourne)
    Aug.21.2013 - First day of Work in Sydney

    "Great is the LORD and most worthy of praise; his greatness no one can fathom." Psalm 145:3

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    pero sarili ka magffile ng itr diba? so income excluding employment salary?

    @stolich18 mukhang may trabaho nang naghihintay sayo a hehe
  • stolich18stolich18 Sydney
    Posts: 993Member
    Joined: Feb 15, 2012
    @LokiJr oo nalilito nga rin ako sa part na yan! hahhaha Wala pa akong work, sana nga magkatotoo yang sinabi mo! hehehe lahat ng recruiters na nakakausap ko, preferred tlga nila na andon na sa Au ung mga ihhire kase raw too many risks come into play pero they understand daw na marami din daw ang playing safe hehe anyway sorry nag-digress na sa topic hehe

    Matagal ko na kase iniisip pano ibbudget weekly un especially if tayo ung magffile ng ITR... Eh pag ganon pa naman, gusto ko kase ibawas na agad sa budget ung pambayad ng tax para no surprises come June :)

    261313 (Software Engineer)

    Feb.15.2012 - started working on ACS requirements
    Mar.02.2012 - submitted online ACS application and sent documents to ACS via Fedex
    Mar.05.2012 - ACS acknowledged actual documents
    Mar.21.2012 - ACS finalised assessment: Suitable
    Mar.31.2012 - IELTS exam with BC
    Apr.13.2012 - IELTS Results (L:8.5 R:7 W: 7 S: 8 OB: 7.5) Thank you LORD!
    Apr.14.2012 - Lodged 175 Online Application
    Apr.20.2012 - Completed Online Attachments
    May.24.2012 - "Application being processed further"
    May.29.2012 - CO Assigned :-)
    Jun.07.2012 - Uploaded NBI Clearance
    Jun.13.2012 - Medical/Health Requirements Finalised
    Jun.14.2012 - VISA GRANT! Thank you, LORD! :-)
    Jun.07.2013 - Initial Entry Date Deadline
    Apr.28.2013 - Initial Entry (Sydney)
    Jun.28.2013 - Verbal Job Offer (Melbourne)
    Jul.08.2013 - First day of Work and first day of child care for my son (Melbourne)
    Aug.21.2013 - First day of Work in Sydney

    "Great is the LORD and most worthy of praise; his greatness no one can fathom." Psalm 145:3

  • LokiJrLokiJr Quezon City
    Posts: 2,616Member, Moderator
    Joined: Jan 13, 2011
    @stolich18 pagpunta mo Australia kumuha ka na ng accreditation (tax accounting kung gusto mo, dami kita dun :D)

    Actually you brought up a good way of saving in Australia --which is to be diligent with your ITR....taon taon may nilalabas ang Australian government na pauso tapos pag ginawa mo yun, may corresponding tax breaks / offsets...Last financial year, it had something to do with disability insurances, dental care and green technology hehe :)
  • icebreaker1928icebreaker1928 Sydney
    Posts: 1,455Member
    Joined: Apr 26, 2011
    @LokiJr puros green energy nga nababasa ko sa humanservices ngayon e... explain mo nga pafs loki... ano ba yun? hehehe
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