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Also, learn the termimology and the rules. It's tax deductible, noy delectible, and it always worries me when people mention the tax deductible amount and the amount of tax they pay in the same sentence. A deduction of $10 and tax payable of $10 do NOT offset each other.

On that sort of income, it shouldn't be hard for you to just save for deposits. You savings and super seem very low. Unless you're young and/or got to this income level recently. How much are you saving at the moment? Those tax figures look low. 30k tax on 180k combined income? Also, if you...