Bpay view and autopay from CBA NetBank from an offset for all investment property bills. Takes care of itself!
Yep - but still gotta know the payments out are coming, so you've got enough in the operating account. Our everyday account is not offset against our PPOR mortgage (different bank) ... so I usually move the $$ back and forth as required
Yes I do similar thing, make automatic payments to various accounts (which are all offsets too), some for spend or bills, some for savings, some for investing, etc...! I basically work out each year what each will be paid too, just helps out a bit being self-employed too. I do not do budgets...too hard for me, instead each money coming in is divided into %, part paid to myself and automatically transferred there! I think I used the concept from "The Automatic Millionaire", where you pay yourself first concept, you make it automatic, and you invest long for compound growth. Just those 3 strategies regularly applied over many years will do wonders!
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