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Yep. I had a double charge too. I was curiously waiting to see what they'd do but they fixed it up today about two days after charging me. All is forgiven.
Hi All,
I'm currently a MISA user and was hoping to switch over to the everyday offset. But before I do, I was wondering what's the best way to structure my offset accounts.
Currently my setup is like this:
- Complete Access (Personal) - Salary Direct Credit which I sweep into MISA on pay day. I put all expenses on Credit Card.
- Complete Access (Investment) - I get all IP rents deposited into this account which I sweep into MISA. I have all loan repayments (PPOR+IPs) debited from this account.
- MISA (Joint) - All savings go into this offsetting the PPOR. I setup scheduled internal transfers for credit card payments and loan repayments.
If I convert the two complete access accounts into everyday offset accounts I'm thinking of doing this:
- New Joint Complete Access w/ EDO w/o Card Access - Transfer MISA balance and have both salaries deposited into this account. Have PPOR repayments deducted from this account. Continue to schedule transfer on Credit Card due date.
- Complete Access (Personal) w/ EDO - Use for cash withdrawals / EFTPOS purchases from Aldi
- Complete Access (Investment) w/ EDO - Continue to have IP rents deposited, except don't bother sweeping into MISA and top-up shortfall for IP loan repayments peridocially.
Cheers
This is how I have setup;
- INV LOAN
- MISA ACC
- Everyday Offset Account
- Personal Savings Account
I try to keep the ins and outs for each INV PROPERTY separate to everything.
So my salary and personal spending is in and out of the personal savings account
Also, would it be possible to use the everyday offset in place of MISA for dedicated savings so that loan repayments for the PPOR can be deducted from the same account.
At the moment I am transferring PPOR loan repayment money from MISA to a transactional account for the direct debit to deduct from.