Packing a lunch

 Here are some yearly figures for what lunch is costing you .

$10 lunch a day over 5 days. = 50    50x48=$ 2,400 a year on a small lunch 

$20 lunch a day over 5 days. $100 .. 100X48= $4,800 per year on a medium lunch

BIG $30 lunch a day over 5 days. $150 a week x 48 weeks... 150X48= $7,200 !! A YEAR ON LUNCH 

((ASSUMING YOU WORK FULL TIME AND WORK 48 WEEKS OF A 52 WEEK YEAR))

1 in 4,034,712

NEW FUTURE BALL LOTTO IN AUSTRALIA

Courtesy of google AI the BELOW details the new easier to win lotto that is in Australia now called Future Ball !!!

The new, 1 million dollar reward lottery in Australia is called FutureBall. [1]

Launched in April 2026 by The Lottery Office, it has been dubbed Australia's “most winnable” million-dollar draw. The lottery is specifically built so that the $1 million Division 1 prize is never split or shared among multiple winners. [, 2, 3]

How It Works & Why It's Unique

• Unique Number Combinations: The system ensures every possible ticket combination can only be sold once per draw. Because no two players can hold the exact same numbers, you are guaranteed to keep the full $1 million if you win Division 1.
• The Gameplay: To play, you must select 6 main numbers from a pool of 1 to 34, and 1 "FutureBall" number from a pool of 1 to 3.
• Better Odds: The odds of hitting the top prize are 1 in 4,034,712. This makes it roughly twice as easy to win as traditional domestic equivalents (like the Weekday/Saturday Windfall games) and 33 times more winnable than Powerball.
• Draw Schedule: Draws take place twice a week on Tuesday and Friday nights.
• Cost: Individual games cost 95 cents, though there is a minimum entry rule requiring a purchase of 5 games ($4.75 total) per ticket.
• Online Only: Unlike traditional lotteries, FutureBall is a purely digital game and cannot be bought at local newsagencies or retail stores; it must be played via The Lottery Office website. [1, 2, 3, 5, 6]

The lottery recently crowned its very first Division 1 winner—a university data science student from New South Wales who scored the flat $1 million prize

I think it is absolutely brilliant that you win the top prize no matter what as in you dont have to split or share. More than anything I am fond of the fact that a million dollars is enough for me... I would get a nice house either up here or in Tasmania... and put solar panels and a water tank on it... I would even find vacant land somewhere remote either up here or in TAS and build. It would be such a godsend to own my own nice house.... and have the water and electricity bills low.... and be able to live life like a middle class person. I could be not stressed out or worried about money or my kids future. 

SAVE THE MOMENT YOU CAN SAVE YOUNG AND SAVE EARLY

 I wish i had saved $100 dollars every pay since the age of 15?.(my first job) up till now the ripe old age of 36.

I had a job as a storehand at a removalist company over school  holidays in my mid early teens only over the school holidays.

I did have a job working at Mc Donalds too. 

I did receive a small amount of student study money from the goverment. 

I had a big mix mash of jobs after that... from gas station attendant, retail storehand,.,.., to motorcycle accessories and parts salesperson,... to gas station attendant,.. to postie,... to junk mail deliverer and owner-operator of Matthew's Mowing. 

In my teens I could of saved $400 or $800. I probably did. and tried not to spend it. 

I did work at Mc Donalds and could of put $100 away every pay. ( I might of spent it on food !! ) haha

All the other jobs.... with living in rentals with other people... (maybe $100 rent $150 at most )...... I should of saved ALOT .

I saved 0 .

I have always lived a YOLO ... You only live once mentality. 

After my parents divorce,.. my cousin passing away,... and being knocked unconscious by some thugs in a McDonalds carpark. I lived every day like it was my last. I had almost died so I had no care or hope for the future. My family had fell apart. which ripped my heart out. My cousin passing made me really sad. And almost dieing from a coward punch,... and hitting head on concrete really rattled me. 

SAVE SAVE SAVE SAVE. $$$$$$$$$

I AM NOW WITH KIDS AND A WIFE I CANT AFFORD TO MARRY IN A RENTAL PROPERTY IN THE (ONE OF) THE WORST AREAS IN BRISBANE... WELL MORETON BAY.... DECEPTION BAY.

(Loud,... burnouts.... fireworks.... kids banging on garage doors,.. we have extremely young kids one with chronic asthma and respiratory problems,... every time we go near a grocery shop or any shop there is someone fagging away on a cigarette and the wind blows our way everytime - it is beyond excruciating - if jesus was nailed on a cross or plank,.. he didnt have kids that had cigarette smoke stalked and blown into his kids faces ) a real life living hell. 

HERES SOME MATH.......

16 - save at least $500.

17- save at least $1000.  ( there was a hire scooter crash at schoolies... all this money disapeared. I let a drunk jock associate from high school ride around the carpark near slingshot ride and he crashed it and broke the forks .... ))).,,,,,

18 -save at least $2600 (put aside 100 a week for 26 weeks... ) ( i didnt get heaps and heaps of shifts.)

19 - save at least $2600 ( Because i was getting older I didnt get many shifts..  or I am delusional and I spend it all on food haha)

20 - save at least $2600 ( I soon quit because of almost dieing in the drive thru ) 

21 to 30 - saving $5200 a week over 9 years .... $5200x9=$46,800.00  !!!

So 46800+2600+2600+2600=54,600 

Then from 30 to 33 I could of put aside $500 a week if I tried. 

52x500=26,000  So at age 30 31,... and 33 I could of saved 26000x3=78,000 

So at age 34 I would have 54600+78000=132,600... 

Because of the rental crisis and cost of living crisis and the fuel being high and the rent being high and the bills being high. everyone now in Australia if not I assume the whole western world is struggling. Unless they had their shit together prior..... 

So at age 34 it would be nice to of had 132,600 in the bank, I could of tapped into the covid super release to bump it up 20,000 to 152600... I could have this sitting in the bank earning interest with ING.

(I knew nothing about investments or investing or IPOs or the stock market or ETFS or Mutual funds ,.. or shorts and puts and options etc etc etc )

Lets now assume I left the Commonwealth bank to join ING bank . I did actually leave because Commonwealth Bank couldn't tell me who "sandra K Griffin" was... it was the home ice cream lady... I thought someone was stealing my money and Commonwealth bank couldnt tell me who it was so I left them. I said "what would happen if somone was taking millions and billiions and you couldn't tell me who ?? And the guy ummd and ahhd on the phone. 

Here is what GOOGLE AI TELLS ME about having a decent amount of money in a bank account

With a balance of $152,600 in an ING Savings Maximiser account, you would earn approximately $458.77 in your first month and a total of $5,505.51 over the course of a year (assuming monthly compounding).[1]

The critical detail to watch out for is that ING caps its bonus interest rate at a maximum balance of $100,000. Any amount over that threshold reverts to their standard base rate. [1, 2]

How the Interest is Split

As of May 2026, the calculations break down as follows:

• First $100,000 (Bonus Tier): Earns the full 5.50% p.a. variable bonus rate.
• Remaining $52,600 (Standard Tier): Earns the standard 0.01% p.a. base rate. [1, 2, 3, 4]

Interest Breakdown

Period	First $100k (at 5.50%)	Excess $52.6k (at 0.01%)	Total Estimated Interest
Per Month	~$458.33	~$0.44	~$458.77
Per Year (Simple)	$5,500.00	$5.26	$5,505.26
Per Year (Compounded)	$5,500.00	$5.51	$5,505.51

Note: Because the $100,000 bonus limit is strictly capped, any monthly interest you earn will automatically be paid into the standard tier, meaning your compounded interest only accumulates at the 0.01% rate. [1]

💡 A Better Strategy: ING Savings Accelerator

Because you have more than $100,000, you are losing out on significant interest by keeping the overflow in the Savings Maximiser. [1]

If you move your funds into the ING Savings Accelerator (Tier 1 for balances up to $250,000), you earn an ongoing variable rate of 4.80% p.a. on the entire balance with no monthly deposit or transaction hoops to jump through. [1, 2]

• Monthly Earnings: ~$610.40
• Annual Compounded Earnings: ~$7,488.11 [1]

By switching to the Accelerator account for a balance of this size, you would make an extra ~$1,982.60 per year.

Would you like me to calculate how much you could earn if you split the money (keeping exactly $100,000 in the Maximiser and the rest in the Accelerator), or look up other banks that offer high interest on the full $152,600?

I think thats yuck it doesnt apply to over 100k.... 

I do have a Macquarie bank account too and with that here we go .... 

cenario B: If you are an EXISTING Macquarie Customer

If you already hold an account, you will receive the ongoing unconditional rate of 5.00% p.a. on the full amount. [1]

• Per Month: ~$635.83
• Total Year 1 Earnings (with compounding): ~$7,799.30

---

Direct Comparison: ING vs. Macquarie (On $152,600 AUD)

Bank Account [1, 2]	Interest Rate	Estimated Monthly Earnings	Estimated Year 1 Total
ING Savings Maximiser	5.50% capped at $100k 0.01% on the rest	~$458.77	$5,505.51
Macquarie Bank (Existing)	5.00% on entire balance	~$635.83	$7,799.30
Macquarie Bank (New)	5.35% (4 mths) then 5.00%	~$680.50 / ~$635.80	$7,842.14

Key Takeaway

Even though ING boasts a higher headline rate (5.50% vs 5.00%), their strict $100,000 cap severely penalizes larger balances. Moving your $152,600 to Macquarie will earn you an extra $2,293.79 to $2,336.63 in the first year alone—all while giving you the freedom of zero monthly conditions. [1, 2, 3]

If you would like to maximize your money even further, I can show you how a "multi-bank" split strategywould look (keeping $100k at ING for the 5.50% rate, and the remainder at Macquarie). Would you like me to map out those numbers for you? [1, 2]

ME LIVING MY LIFE....... LIKE EVERY DAY WAS MY LAST ...... HAS COST ME EARNING INTEREST POTENTIALLY OF .... LOTS 

BUT WAITS THERE MORE

Scenario 2: Split Strategy as an EXISTING Macquarie Customer

If you already hold a Macquarie account, you will receive their ongoing unconditional rate of 5.00% p.a. on your $52,600 overflow. [1, 2]

• Per Month Earnings: ~$677.66 per month (~$458.33 from ING + ~$219.33 from Macquarie).
• Total Year 1 Earnings (Compounded): ~$8,154.51

---

The Ultimate Comparison: Which Strategy Wins?

By splitting your cash across both banks, you maximize your yield significantly compared to leaving it in just one place.

YOLO HAS COST ME $677 A MONTH

ME LIVING MY LIFE LIKE EVERY DAY WAS ITS LAST ..... NOT BANKING MONEY HAS COST ME 677 A MONTH... ( IN MY ACCOUNT FOR DOING ABSOLUTELY NOTHING)

That is huuuuge to me...

With that money because I am so sore and fat and old and tired at 36,,, and the misses is doing okay hahaha.. 

We would have a cleaner come in once a week to tidy up ..... We would have a nanny or baby sitter once a week just for an hour or two to give us some sanity. 

I could maybe even every second month invest the interest in the stock market.... Or buy a ride on mower !!!! or a boat !!  I could race my a motorbike on the track properly before I die. ! 

SAVE WHEN YOUR YOUNG SAVE MONEY SAVE SAVE

DO NOT BE AN OLD WORN OUT WOE IS ME PERSON LIKE ME

SAVE YOUR MONEY

DONT BUY POWERADES AND SMOKES

DONT BUY STEAK AT THE PUB

DONT GAMBLE

DONT HAVE FUN

DONT DO ANYTHING THAT COSTS TOO MUCH MONEY SAVE YOUR MONEY 

SAVE IT DONT SQUANDER IT ON USELESS SHIT 

MONEY IS A FINITE RESOURCE JUST LIKE TIME. 

YOU CAN ONLY EARN SO MUCH OF IT IN YOUR LIFE

BE VERY VERY VERY FUCKING CAREFUL WITH MONEY IT WILL HAUNT YOU LATER IN LIFE.